For Investment Advice UK, Consult an Independent Financial Adviser
In the UK, we are nothing if not spoiled for choice when it comes to ways to invest our funds. This is a fine thing of course, except for the fact that the sheer range of possibilities can make it difficult to choose, especially if the wrong choice is unnecessarily risking our funds. That is why, for investment advice UK, the sensible course is to consult an independent financial adviser before making any commitment to invest.
The tried and tested, most conventional means of investing in the...
In Search of Retirement Investment Advice?
As successive governments keep reminding us, too few people plan properly, if at all, for their retirement; too few people appreciate that an investment now is an investment in their future throughout retirement. So, if you are reading this, you have the edge over that particular group of people and are poised to do some serious planning for the day you can stop working for your living. It is then that you will want to rest easy in the knowledge that the retirement investment advice you were...
Is Pension Drawdown a Good Idea?
Before considering whether it is a good idea, it might be helpful to take a quick look at just what is pension drawdown.
Replace that "drawdown" with "withdraw" and it can perhaps be most readily understood as the ability to withdraw money from your pension fund and leave the balance invested, so that (hopefully) it continues to grow. This ability therefore gives the pension holder an additional option on retirement: instead of using the pension for the one-off purchase of a lifetime annuity,...
Need Investment Advice?
Everyone would like their money to be working as hard and as profitably for them as possible. The problem is that, with generally low rates of interest, hoarding any spare cash in the relative security of a bank or building society account is not going to achieve a very attractive return. There are other investment opportunities available, of course, but just where should you start to look? The safest and most reliable source is to turn to your independent financial adviser for investment...
Pension Transfers Should I be Thinking of One?
Despite the quite considerable contributions individuals are likely to be making to them and the accumulated value they are likely to have, it is surprising how few people keep an eye on how their pension fund investments are doing. The contributions are made on the same monthly basis, come what may, regardless of the investments comparative performance. It seems that many people give no thought to the possibility of pension transfers and whether such a move would make sense for them.
Whether...
The Attractions of a Self-invested Pension
One of the reasons for searching out the services of an independent financial adviser is that pension matters are awash with esoteric terms, labels and descriptions. The self-invested pension or Self-invested Personal Pension (Sipp) as youll often see it called is a good case in point. The underlying principle is relatively straight forward and attractive, but to make the most of the opportunities it represents, it really is essential to take expert advice especially if you are considering...
What is a Pension Annuity?
When the investment in your personal pension plan reaches maturity when you retire, you will need to transfer its accumulated value into a regular income for the remainder of your retirement. This is achieved through the purchase of a pension annuity a seemingly simple and straight forward transaction that exchanges the final value of the pension fund into which you have been paying into a regular income.
Whilst the principle of a pension annuity is seemingly very straight forward, however,...
What is an Independent Financial Adviser?
At the risk of sounding facetious, an independent financial adviser is someone who gives independent advice on financial matters. In fact, stating the rather obvious in this way put an important stress on the three vital components of the independent financial advisers role.
Independent
The independence of the adviser is critical. When an independent financial adviser is consulted, it is important to know that he or she has no vested interest and will not be influenced in any way by selling...
Where to Get Pension Transfer Advice
A brief scan of the financial pages of the national press might give you some idea of the number of employers these days why are eager to switch their employees from final salary pension schemes into other, personal pension, plans. Many employers are so keen to encourage such a switch that they are offering a lump sum cash inducement for those who elect to transfer their pension rights in this way. Despite such an apparently attractive inducement, however, where can the employee get pension...
Where to Get the Best Pension Advice
Everyone knows that the younger you are when you start paying into a pension, the more youll receive when its time to pay out on your retirement. Nevertheless, there are still many who delay making that start and a frightening number of people who believe that their entitlement to a basic State pension will be enough to see them comfortably through old age. While they might be right about the entitlement to a State pension, they are most unlikely to find that the State pension alone will...
Who Needs Independent Financial Advice?
Independent financial advice is needed by anyone wanting to ensure that their hard-won money works its hardest for them. There are good ways and there are not such good ways, there are efficient means and less efficient means of literally getting the best value for money and independent financial advice will point you in the direction of the best routes and the best financial products available.
Britain has one of the most developed and advanced financial services industries in the world....
Why Seek Financial Investment Advice?
If you know more or less all there is to know about investing directly in stocks and shares, or in collective forms of investment, or the management of your investments, or the tax implications, or the pros and cons of offshore investing, then you might not need much more in the way of financial investment advice. Unless you happen to be one of those very rare individuals, however, you will almost certainly benefit from the sound and impartial financial investment advice of a professional,...
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