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Retirement Planning

To enjoy a comfortable retirement you need to have saved enough money in either pension schemes, or other investment funds, to replace the income you lose when you stop working.

Financial Planning for your retirement involves considering all of your assets and how best to utilise these assets to provide a secure worthwhile income in retirement.

The days when people retired solely on state pension and company schemes are long gone. A diverse range of investments and solutions can now offer alternatives to pension funding which are listed below. All of these offer additional choice and carry their own advantages and disadvantages which will be dependent upon an individual’s personal circumstances.

Income Producing Investments

Some examples of assets that can produce an income when you retire are:

  • Occupational/Company Pension Schemes
  • Final Salary Schemes
  • Stakeholder Pensions
  • Self Invested Personal Pension (SIPPs)
  • Retirement Annuity Contracts (RAC)
  • General Investment policies/plans
  • Buy to Let or holiday home residential property

Retirement Planning is more important now than ever before as people are living longer and with medical science advancing this will only increase. Therefore a strategy to ensure your monies last longer is imperative. We at Condy Mathias with our experience and expertise in this important area can ensure that a comprehensive review of your situation is carried out and an appropriate retirement strategy put in place.

Condy Mathias Financial Planners are regulated and authorised by the Financial Services Authority