Retirement

If Retirement is the longest holiday of your life, then some peoples’ holidays are going to be more fun than others! Retirement needs funding!  The following is an overview of the areas that we can provide guidance, information and advice on.

State benefits that may be available to you in retirement: 

• BasicState Pension
• Pension Credit ‘Top-Up
• Additional State Pension / State second Pension (Formerly the State Earnings Related Pension Scheme (SERPS)

Retirement Investing & Saving Methods; how best to save for the longest holiday of your lifetime: 

• Occupational/company pension schemes
• Stakeholder pensions
• Final Salary Pension Schemes
• Retirement Annuity Contracts (RAC)
• Executive Pensions
• Additional Voluntary Contributions (AVC)
• Free Standing Voluntary Contributions (FSAVC)
• Self Invested Personal Pension (SIPP)
• Buy Out Bonds
• Section 32
• Charges on Plans
• Pension savings for children
• Leaving pension fund to beneficiaries
• Individual Retirement Accounts
• Investments to save for retirement
• Buy to let to save for retirement
• Pension Simplification / A-Day

Options at Retirement, Retirement Advice; how to maximise pension benefits when you come to retire:

• Open Market Options
• How to get the best Annuity rates and terms
• Enhanced Annuities
• Income Drawdown
• Phased Retirement
• Releasing Equity to provide income or a cash lump sum in retirement
• Low Cost retirement property

We hope you find this section informative. If you require further information on the items relating to retirement or have any queries please use our contact page or e-mail: enquiries@langtons.co.uk

Langtons offer truely Independent personal finance advice within the Southwest with advisers throughout Dorset, Devon, Cornwall and Somerset.

The value of your investments and any income from them can fall as well as rise and investors may not get back the amount invested.