Monthly Archives: December 2011
31
2011
The future for your retirement income isn’t looking good if you’re considering retiring in the next few months or so. Many experts are suggesting a that a 3 pronged attack on pensions will have the effect of drastically cutting retirement income. The effect …
30
2011
Do you want flexibility with your retirement planning? If you do, income drawdown could be the right solution for you. Normally, pension holders can take a regular income from their pension fund between the ages of 55 and 74, as long as they …
29
2011
The future is looking bright for fixed-term annuities for 2012. Today’s annuity market is somewhat different from what is was just five years ago. We have seen significant growth in the enhanced annuity market and a great deal of development in other at-retirement …
28
2011
Combining pension funds at retirement makes a lot of sense. Very few of us remain in the same occupation from school to retirement, and that can result in some cases in several different pension funds. Combining them all together can make financial sense …
27
2011
Independent financial advisers (IFAs) will walk away from providing annuity advice with certain annuity sales as “it’s not worth their while”, meaning that the growth of non-advised annuity sales will accelerate. It does look like the growth in non-advised sales of …
26
2011
Taking retirement advice is important. You cannot fail to be drawn into the very public concerns about both retirement and pensions which are raging constantly at the present time. It used to be the case that approaching your retirement was something to be …
25
2011
Annuity rates for 2012 don’t look good. Annuity rates are falling, and have been for around ten years now. On the basis what goes down usually goes back up at some point, just what is the prospect for a rate rise any …
24
2011
Pension scheme closures are continuing, says the National Association of Pension Funds (NAPF). The pensions landscape has changed considerably in recent years. Yes, more final-salary pension schemes have been closed to existing staff in the private sector during this year, a report …
23
2011
There are now more retirement options than ever, making retirement quite a complex business. There are frequently changing rules and regulations, and longer-term trends, which together make the choice of retirement product a much more complicated process these days – it …
23
2011
Even with the recent 10% fall in annuity rates you can get a higher pension income - if you shop around to find the best provider. While earlier generations might have gained from higher annuity rates, those retiring today generally have higher levels of personal wealth; and using that …
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