It makes sense to plan ahead. Thatís why itís a good idea to put money into a pension, so you can have a better level of regular income during retirement...

Have you thought about where your regular income will come from after you retire?  Even though your regular expenses may decrease (things like mortgage payments, for example), you’d probably like to have some regular money coming in, to help you make the most of those ‘golden years’. It’s important to have money coming in that you can rely on.

That’s why it’s a good idea to invest in a pension and start a retirement fund as soon as possible. The Government encourages us to do this by making pension savings tax-efficient. This means that, for every bit of money you put in, you’ll receive an amount from the Government on top, up to an annual limit.

There are several types of pensions on the market and you’ll need to decide how and where your money is invested (it’s important to remember that you can’t take it out until you retire!). Start saving as soon as possible though, because any delay could have a huge impact on the value of your pension pot at retirement. It’s a good idea to get some advice on how to best manage your pension plans from an independent financial adviser (IFA).



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YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE
Depending on the adviser you are referred to a fee may be charged for mortgage advice. The precise amount may depend on your circumstances or you may be charged a set fee.