Pension Income Advice
Pension Income Advice
Pension income advice is essential as you approach retirement. There are a myriad of options to consider when retiring and obtaining specialist pension income advice could make all the difference to your lifestyle during retirement.
A specialist retirement adviser will be able to analyse all the pensions that you have built up over your working life and set out your options in a clear and concise way, taking into account your circumstances in retirement, your overall objectives, any other income that you may receive and your attitude to investment risk.
By obtaining specialist pension income advice, you will potentially receive a higher pension income as your adviser will be able to look at your "open market option" and obtain the most competitive annuity rates for you. Alternatively, deferring the purchase your annuity may be a more appropriate option by going the "income drawdown" route.
In addition, by receiving pension income advice, your adviser will be able to look at structuring your pensions so as to provide the most beneficial death benefits for you and your family whilst minimising your liability to income tax and inheritance tax.
It is important when looking at retiring, you consult a suitably qualified and experienced adviser who is able to look at all your options and provide you with fully considered recommendations.
| Barclays Defined Returns Plan |  | Minimum Pension Investment £3,600 | |
| This capital protected plan has a choice of investment terms of 6 years offering a maximum return of 44%. Can be used for SIPP and SSAS pension investment. |
**Guaranteed gross income.
Disclaimer
Please bear in mind that:
- The above investment plans are designed as medium to long term investments.
- Past performance of the FTSE 100 should not be seen as an indication of future performance.
- The FTSE 100 Index measures only the capital value of the shares in the Index and no allowance is made for dividends paid by the companies in the Index.
- If you redeem a structured investment plan before the end of the term, you may get back less than the amount you originally invested. The value of the plan will be determined by the price at which the Investments can actually be sold on the relevant dealing date.
- The list of investment plans provided above should not be seen in any way as being a recommendation. No advice has been given and you should be aware that any investment which takes place will be transacted on an “execution only” basis.
- Full details of the funds, including investment performance statistics and risk profile will be provided in the documentation/brochure sent to you and it is up to you to ensure that you fully understand the nature of investment before proceeding. If you are at all unsure of the suitability of the type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
- The levels and bases of taxation and reliefs from taxation can change at any time and the value and availability of any tax reliefs depends on your individual circumstances. Any favourable tax treatment of SIPPs and SSASs may not be maintained in the future and is subject to changes in legislation.
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