Pensions & Investments
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Pensions are financial tools whose purpose is the provision of money in old age. Because it is considered good public policy to try and get people to save for their own retirement (rather than rely on the State) pension funds are given special tax treatment. Over the years, however, governments have changed the system so much that it is all highly complex (much more complex than it should be). Because of this complexity it is essential that you get professional advice as you plan for your retirement..
It is our role as an IFA to help you choose the right investment in order to help you meet your objectives. What you need to give some thought to is what those objectives are. This is an area in which compromise and self understanding are essential.
Most people want investments which are safe, in the sense that they cannot fall, and which offer high returns. This ideal combination is not available. Beware anyone who claims otherwise.
Sensible investment planning revolves around understanding what your investment aims are.
Broadly speaking the longer that your investment is to be left alone, (e.g. for retirement), the higher level of short term risk that is acceptable. If however the money is needed in full in the near future (e.g. for a house deposit) then short-term safety is essential.
In short, we will help you determine an investment strategy appropriate for your needs, and using the investments best suited to your investment attitude and tax position.