Pensions and Retirement Planning

Over recent years there has been growing concern regarding the level of the State Retirement Pension. A great many of us believe that we will need more than the state pension can offer us during our retirement years in order to sustain a reasonable standard of living and to ensure financial security. The Government has actively encouraged people to set up their own personal pensions via the introduction of Stakeholder and the changes to contracting out of SERPS (State Earnings Related Pensions) or the incoming S2P (State Second Pension).

Making provision through your working life for your retirement will afford you peace of mind. But, the pensions market is complex with a vast array of options available.
Some of these are listed below:

 Personal pensions
 Stakeholder pensions
 Annuities
 Income drawdown plans
 Phased retirement
 Occupational pension schemes

Retirement planning encompasses more than just pension provision. It is important to tally your plans with other areas such as health cover or long-term care and consideration of provision to dependents. For those with large estates to bequeath it is prudent to think ahead in terms of inheritance tax mitigation and the preparation of Wills.

Rouse Limited will help guide you through the labyrinth of products and build you a constructive and comprehensive solution to your retirement concerns and objectives.

Pensions Warning:
Pension and tax legislation can change at any time and the value of the tax concessions you receive will depend on your individual circumstances. The investments in a fund portfolio are subject to normal stock market fluctuation and other risks inherent in all investments. Changes in exchange rates between currencies may cause the value of your investments to increase or diminish.
The charges that will be levied in respect of the investments must be covered by investment growth before a profit is achievable.
By careful product selection we endeavour to minimise these costs for your benefit. Quoted yields are for illustrative purposes only and are not guaranteed - they do not represent either the minimum or maximum that you may actually receive.
Past performance gives no guarantee to future performance. The value of investments may go down as well as up so you could get back less capital than originally invested, should you vest your plan early or at a time when markets have fallen.