39 High Street
Billericay
Essex
CM12 9BA
Call us today on
01277 630873
or
Authorised and Regulated by the Financial Services Authority
INDEPENDENT FINANCIAL ADVICE CENTRE
You should remember that past performance is not necessarily a guide to the future. Market and currency movements may cause the value of units, and the value derived from them, to fall as well as rise and you may get back less than you invested when you decide to sell your units. The tax treatment of investments and pensions is not guaranteed and may change in the future.
Your home is at risk if you do not keep up the payments on a mortgage
But Flexible Annuities, Drawdown and Investment annuities, can offer the chance of higher levels of income today or larger increases in future.
BUT, there are risks (see later) some years you may not get any income or it could fall in value so you must have alternative sources of funds or income to consider “flexible” annuities and understand about stockmarkets and investment.
GUARANTEED RATES
Now you know the Annuity you want you need to check whether or not your present insurance Company offers any Guaranteed Annuity rates and compare these to the open market on your chosen basis. Guaranteed rates can be much higher than available elsewhere but sometimes the choice of annuity is restricted. It pays to have an IFA check these out for you.
SIZE MATTERS
If you have a pension fund of more than £100,000 you should consider the Advantages and Drawbacks of a Drawdown Annuity and if you want flexibility should consider investment annuities, click here for more information.
If you want more information still or a guide as to rates visit the FSA website Annuity tables on www.fsa.gov.uk/tables and follow the annuity route, this will give you more information and sample rates on your chosen basis.
Or simply call us and arrange to meet, when we will consider all aspects of your retirement and advise on the most suitable annuity, find the highest income for you on that basis, check for any guaranteed rates from your own pension provider and attend to all of the extensive paperwork involved. We can work on a fee or commission basis but normally we can arrange these for no charge to you as the annuity providers pay us commission without any detrimental affect to your annuity. We reserve the right to make a charge (if previously agreed) should the commission not cover the work involved!
Enjoy your retirement; it should be the best time of your life if you have chosen the right annuity.
? Secure or flexible annuity
Annuity Purchase
