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Are you sitting comfortably?
Is it going to be enough? Play with the sliders to find out.
What retirement can I expect?It looks like you are on track to have about half the retirement fund that a nurse might expect to be comfortable with.
Not what you expected?
The great news
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The purpose of this illustration is to give you an idea of what your savings might look like when you retire;
it is not an accurate reﬂection of what will happen. Find out more about our assumptions2.
The best places for your savings are pensions and ISAs
A pension is just about the most efficient savings tool there is. Tax relief, compound interest and employer contributions are essentially free money for you.
And new regulations mean you have more freedom than ever before about how and when you access your savings.
Fantastic tax benefits and flexibility make ISAs a popular choice. There is no tax on savings and withdrawals, and with the right product you can access your money whenever you like.
Also, you can now choose an ISA that will give you a guaranteed income.
Which is best?
Generally it’s a good idea to have a mix. This way you can quickly access money if you need to while making sure that you make the most of tax relief, tax benefits and compound interest.
We can help you to get the right mix – talk to us today.
Do charges really matter?
Yes, a lot.
For a £50,000 pension pot just a 1% reduction in annual charges could mean an extra £25,000 for you over 20 years1.
That’s a lot of money and we can help fix this for you.
A refreshingly frank approach
We look after over £1/2 billion for our clients
Top 100 Financial Adviser
(FT Adviser 2018)
Mark's success story
3 easy steps,
from start to finish
2. Decision time
Good to know...
Pension switching: all you need to know
The new pension rules: all you need to know
What is a no obligation pension review?
Our initial investigation into your pension is free and in many cases we can continue to provide full advice with no obligation should you need it.
1Based on a £50,000 sum at outset, growing at 6% per year before charges of 0.5% and 1.5%.
2 We have assumed that your savings grow by 5% annually, you receive the current full state pension of £8,268 per year when you retire and that you purchase an annuity with a rate of 3.4%. Our assumptions do not take into account inflation or charges. The results are based on work by The Institute and Faculty of Actuaries which has calculated the suggested pension for more than 40 different professions.
On this page we talk about tax implications for your pension. Tax treatment depends on your individual circumstances and may be subject to change in the future.