Investing at Retirement

Are you aware that you have important choices to make at retirement age that can significantly affect your financial future? Reaching retirement age is an exciting, with new horizons and opportunities. It also can be a financially rewarding time.

You’ve hopefully worked hard accumulating wealth to see you through your retirement years. However now you no longer are forced to hand this money over to an annuity provider (usually a life assurance company or a bank), for them to pay you an agreed amount for the remainder of your days.

With an Approved Retirement Fund (ARF), you can take control of your retirement income. ARFs provide a number of important benefits;

  • You decide how to invest your accumulated wealth during your retirement
  • You decide how much and when to withdraw from your fund (subject to a minimum withdrawal amount each year)
  • Your fund does not die with you. In the event of death, your ARF fund passes directly to your estate in a tax efficient manner.

However ARFs are a complex area. We seek to understand your retirement objectives and your attitude to risk before deciding whether this is the right course for you. If it is, on your behalf we then research the Qualifying Fund Managers (QFMs) to identify the right provider, charging structure and investment fund strategy for you. It’s our role to remove the complexity and deliver the right solution in an easily understood way for you. We then agree a review schedule with you, to ensure your objectives remain on track.

If you would like to find out more about how we can get your money working harder for you in retirement, please give us a call.

Retirement Planning

Retirement Planning

Investing at Retirement

Investing at Retirement

Financial Planning

Financial Planning