... Pension funds ...

Your Pension Fund

Traditionally investors choose growth as an objective for their pension funds, in order to maximise the funds available for buying an annuity. In the main, actuaries have used equity based investment to achieve this in the belief that stock markets always perform. However, we believe equities are now in a long-term bear market and are, therefore, far too risky for the time horizon of most pension funds. Safeguarding your pension is more important than gambling in markets. Investing your pension in Gilts and US Treasury bonds brings the certainty of compound interest.

There are two key dates for each pensioner to plan around.

• The expected retirement date, when contributions cease and tax-free cash will be drawn

• The date on which an annuity is to be purchased (if at all)

Between the two dates, it may be necessary to draw a pension from investment income. In all cases, a portfolio of Government securities will generate a substantial portion of the income needed to pay the pension.

Such strategies take much of the risk out of pension planning and drawdown arrangements.

Consult us for advice on whether your existing pension fund would benefit from our winning advice. Your pension fund matters.

See also the notice on the homepage.