Pensions

The value of pensions and the income they produce can fall as well as rise. You may get back less than you invested.

Retirement

One of the biggest goals in life is a happy, comfortable retirement. At whatever age you plan to stop working, you will want to ensure you have enough money to go with your new-found freedom. Perhaps your aim is to have paid off your mortgage, go travelling, or buy a cottage by the sea, but it’s worth knowing that even the small financial decisions you make between now and then could affect your ability to retire when and how you want. A regularly-reviewed financial plan, starting now, will keep you on track to achieve whatever aims you set yourself.

Your future starts now

With all the publicity in recent years, it’s easy to think that finding enough to live on when you retire will be a struggle. While it’s true that a badly-planned retirement can lead to difficulties, the quality of your future life can be greatly improved by your actions now, and you can take complete control of the outcome. A properly structured financial plan, with the right pension or investment in place, can set you on the road to a fruitful and happy retirement.

Our products include Managed Funds from Intrinsic Asset Management. These funds are regularly monitored by our chosen fund manager Hendersons, who have an excellent reputation in the Fund Management world. Continuous monitoring ensures that poorly performing assets or funds are quickly replaced and returns meet the expectations set by our investment committee. These particular funds are know as the Cirilium Funds. Please find here a link to Hendersons Cirilium Fund Information.

Types of Pensions

Annuities

Wherever your pension is, whether or not you are about to retire or just planning ahead, you’ll need to know about annuities as they’re important when it comes to thinking about your future. You’ll find all the information you need on them through us.

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Equity Release

The ‘equity’ in your home is the difference between its value and any outstanding loans, such as a mortgage, secured on it.

Equity release is a way of unlocking a proportion of the value – or equity – you have in your home in exchange for a tax free lump sum.

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Group Schemes/NEST

For all businesses, large or small, AIC Financial can help organise your pension requirements for you and your staff. From arranging Group Schemes to more personal bespoke arrangements.

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Income Drawdown

You control where you invest your fund, how much income you take, how much tax-free cash you take and when you take it – and you could leave something behind for your dependants. Please be aware that any inncome or tax-free cash you take from your pension fund must be within limits set by the government. You also need to be age 55 or over to take your tax-free cash or any income.

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Personal Pensions

You’re not the same as your colleague, your neighbour or even your best friend. You don’t have the same needs, the same financial circumstances or the same aspirations. And today you may have different needs than you will have tomorrow.

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Self Invested Personal Pensions

Self Invested Personal Pensions ( SIPP ) open up a wide range of choices. So how do you choose the right plan for you?

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Stakeholder Pensions

Stakeholder pensions are a low-cost personal pension plan that have been designed to help people save for their retirement. By law, stakeholder pensions must meet a minimum number of standards to make sure they offer value for money, flexibility and security.

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Reviews

One of the keys to successful retirement planning is to regularly review all your pensions, regardless of whether you are still contributing. Thousands of pension customers have preserved benefits that do not get reviewed for years which can be extremely detremental …

At AIC Financial we offer regular reviews to ensure your current  pensions are suitable to your needs and are performing to your expectations. We annually check your attitude to risk to ensure this has not changed along with your capacity for loss and retirement purpose. We could also save you money! Please contact us for your free, no obligation Retirement review using the link below.

The value of pensions can fall as well as rise. You may get back less than you invested.

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