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| Pensions |
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A combination of improved health care, longer life expectancy and for many people a younger retirement age, means that the golden years of retirement can extend well beyond 20 healthy years.
A review of your pension provision may show that this is not the case. |
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Face facts:
- If you’re 20 and put off your pension plans by 10
years, you’ll lose half of your eventual retirement
cash. The sooner you start, the better off you’ll
be.
- The average income for retired couples today is a fifth
below what is required. The state pension is forecast to
decline even more.
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| In many cases, people passively accept whatever
pension is available, being forced to cut back when they retire
as they adjust to the lower income level, which they have not
always anticipated. |
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| A more positive approach should be taken,
by working out the level of income you think you will need when
you retire and make this your target for the future. |
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| Whatever your circumstances, whether your employed
or self-employed, independent financial advice from Mardons
will help you determine the right pension for you. |
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| Establishing the premium level to suit
your finances, explaining tax benefits of pension investment,
discussing the annual contribution limits set by the Inland
Revenue, Mardons’ Advisers are suitably qualified to discuss
all the details with you. |
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