NOW IS THE TIME ... Take control over your PENSION ...
It sound's crazy but many people are completely unaware of the following:
• The VALUE of their pension
• The GROWTH of their pension
• If it's really growing or performing at all?
• WHERE their pension is invested
• What INCOME they will receive in retirement
Is your pension underperforming? the chances are it is {FACT}
You know something? ... It is your pension - and now is the time to take control.
NOW IS THE TIME ... to consider a Self Invested Personal Pension also know as a SIPP
• UNLOCK the potential of your pension(s)
• Give exposure to potentially better investments
• Tidy up schemes from various (sometimes forgotten) pension policies
• Provide a wider choice for Alternative Investment opportunities
• Have FULL CONTROL, TOTAL CHOICE and COMPLETE FLEXIBILITY in your pension investments.
Find out whether a Self-Invested Personal Pension is for you with a no-cost, no-obligation Pension Review, carried out by one of our specialist pension advisor partners. As leading experts in Self Invested Personal Pensions, they will review your pension provisions and your goals and show you what is possible.
Contact us on free phone 0800 335 7626 or +44 1780 729287 and start to charge up! your retirement income.
Further useful reading on Pensions, Sipps and Retirement planning ...
Pension - SIPP Investment ... Is your pension under performing? It's time to move into a SIPP
A recently published report identified over £18 billion of pension funds languishing in funds that simply were not performing. Obviously, the performance of stock markets is largely to blame.
Over 5 and 10 year periods some of these funds had failed to produce returns that would have rivalled the returns one could have achieved by leaving the money in cash on deposit with a normal high street bank.
So why do we keep using them? And when was the last time you reviewed the performance of your pension?
Assets International investors can use their personal pension funds to invest within our 5 star hotel resorts using a Self Invested Personal Pension (SIPP).
SIPP Pensions
A SIPP is a personal pension where the person or persons investing for retirement decides what their pension fund is invested in. Traditionally pensions are managed by a pension provider or fund management team who can invest in volatile products like stocks and shares. The investor has no control or influence on the decision whatsoever. Any type of pension can be transferred into a SIPP ... We have found that many people have several 'frozen' pensions from previous employment or businesses / personal pensions that they can transfer.
SIPP Investments
An investor using a SIPP pension is entitled to full tax relief, meaning that if a 40% tax payer paid in £100,000 it could only cost him £60,000. It is also possible to increase the amount of funds available in a SIPP pension by borrowing up to a further 50% of the value of the SIPP. Example if a SIPP has funds of £300,000, it can borrow another £150,000 making £450,000 available to invest.
Conrad A. Bedford 'Assets International CEO' add's ... "We are seeing more and more clients are moving away from the traditional pensions, as SIPP's are easier and far more controllable for them, we have amazing products available offering great returns ..."
Recent Pension Investment Article: 19th June 2011
Pension Investments ... the way forward
We’re still not saving enough for our retirement ... Recent articles and survey’s suggest that not only is one in five of us not saving at all, but the rest of us are not saving anything like enough to enjoy the retirement we think and deserve!
Question So just how much cash should we be putting away?
Let’s say that you are hoping to retire at 65 on an annual income of just over £24,000. The state pension should (hopefully) take care of the first £7,000 of that when it eventually kicks in (check at what age you’re likely to qualify for it, as it is on the rise as per the parliament updates) but that means you still need to come up with another £17,000 a year yourself.
Assets International have teamed up with various professionals and have worked out the sums …
They say that to buy an annuity paying out £17,000 - you need a pension pot of £425,000. To get that, a 25-year-old needs to start saving £420 a month; a 35-year-old £690; and a 45-year-old £1,250 per month.
For most that sounds frightening! and it is … These figures also assume that the inflation is 2.5% (which is isn’t) and that your savings growth is at 6% a year (which looks unlikely). So the chances are that you will need to save even more than the figures stated.
Help is at hand, Pension Investments are becoming more and more popular, due to the above information lots of people need to make their pensions work harder. Taking control of your pension pot is getting very popular – Assets International offer various hotel room schemes in beach resorts that are managed with 8 - 12% returns per annum (excludes capital growth, add this in and you'll see why many people are taking control of the pension pot).
You will need to transfer your pension into a SIPP (Self Invested Personal Pension) to do this. Guidance is at hand for your Pension Investments … Contact the experts today to find out more.
*Information from Lansdown Hargreaves and Money Weekly June 2011
Benefits of a SIPP Property Purchase
• A SIPP pension can be syndicated so two or more people can pool pension funds to invest, perfect for husband and wife / group investment
• Most types of pension can be accepted into a SIPP
• A tax efficient way to invest for your retirement
• SIPP property purchase provides a unique opportunity to buy a hotel resort property using pension funds
• No requirement for cash investment ... There is tax relief on contributions up to 40% if you decide to invest using cash
• No dividends to be taxed on SIPP property investments
• ZERO Capital Gains Tax on SIPP property investments
• Possible inheritance tax benefits with SIPP investments
• Pre-agreed lending liability based on the property asset NOT the individual(s)
Setting up or transferring your SIPP is a complex area and it does need professional advice.
Assets International have teamed up with a leading independent wealth management company specialising in financial planning (listed with FSA). We can arrange for a no-obligation assessment of your existing pensions and retirement provision, free of charge for potential investors to assess whether their exsiting pension plans may be transferred into a SIPP pension. We guarantee at no time will you be committed to any scheme or transfer any funds, the pension reviews are completly unbiased and sometimes are not suitable for SIPP transfers.Call us on UK freephone 0800 335 7626 to organise a free pension review for you.
