Our Pension Guide

Whether it's only a few years away or still over the horizon, your retirement needs careful planning. If you do not have your own pension you'll have to rely solely on the State and your own savings to support you. To enjoy a comfortable retirement you will probably need a yearly income of at least 2/3rds of your salary at retirement. So, if you leave it too late to review your pension arrangements, you may not be able to enjoy the retirement you want.

What pensions can I choose from?

A Stakeholder Pension Plan is a personal pension. We offer a Stakeholder Pension Plan suitable for all ages.

On 6th April 2001, the Government introduced stakeholder pensions to provide a low cost pension, designed to encourage more people to invest for their retirement.

With the real value of the State pension decreasing each year, when measured against the average rise in earnings, it's unlikely that the State pension will provide you with enough pension benefit to enjoy the lifestyle you want in retirement.

The main benefit of a Pension Plan is that for every £80 you invest the Government adds £20. Currently if you are a higher rate taxpayer you will benefit from even more tax relief, at an extra 20% that you can claim back through your tax return.

Read more about our Stakeholder Pensions

If you feel you need pension advice, book an appointment with a Financial Adviser