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What Can I Do with My Pension Fund?

At PFG Investments we want to ensure that all our clients, regardless of the size of their pension, either now or in the future, receive appropriate impartial advice on pension options and strategies. At all times you will be informed of the costs associated with the different options and what levels of service each option will deliver. This will allow us to agree the most appropriate solution for you.

Whether you want to change funds often or want to build a steady consistent portfolio; we provide specialist advice to create or modify pension portfolios according to your income requirements, attitude to risk and taxation status.

Pension planning is such a complex and crucial area that few clients can hope to have an in-depth understanding of all topics. We believe engagement of a dedicated professional is the only effective way forward.

We deliver the same standard of care and attention whether our advice is sought on a small pension transfer, or a pension you have significantly accumulated over a longer period.

What Investment Advice do you Offer?

At PFG Investments we want to ensure that all our clients, regardless of the size of their investment, receive appropriate impartial advice on investment options and strategies. At all times you will be informed of the costs associated with the different options and what levels of services each option will deliver. This will allow us to agree the most appropriate solution for you.

Whether you trade frequently, already hold a large amount of assets or want to build your own investment portfolio, we provide specialist advice to create or modify investment portfolios according to your income requirements, attitude to risk and taxation status.

Investment planning is such a complex and crucial area that few clients can hope to have an in-depth understanding of all topics. We believe employment of dedicated professionals is the only effective way forward.

We deliver the same standard of care and attention whether our advice is sought on a small windfall such as the proceeds of a policy, an inheritance or maximising retirement benefits from lifelong saving.

There are many different ways to invest your money, all of which have different levels of risk and return. The riskier options are often the ones with the greater returns, but there are many ways to invest where the yield is steady and the risk is minimal.

 

Our investment specialists will speak to you regarding your requirements and make a recommendation of the best way for you to invest your money. Here are a few of the suggestions that they may make:

 

Stocks

When you invest your money in stocks, you are effectively buying a small share of a corporation. The value of companies can increase and decrease rapidly in a matter of hours and the performance of a company will affect the value of your stocks.

 

The stock market is probably the most common place for people to invest their money and if you invest wisely, the returns can be great, however it’s by no means a guaranteed money maker. They do sometimes offer a high return on your investment when the stock market moves in your favour.

 

Bonds

Bonds are loans provided by investors to companies, governments or other organisations in exchange for interest payments within a specific period and repayment on the maturity date of the bond. There are many types of bonds, of which our advisers can offer guidance. They are usually bought in multiples, although you can buy a single bond.

 

Bonds are not the type of investment to opt for if you want to gain any short-term returns on your money. The value of bonds may fluctuate and the risk will also vary depending on the type of bonds you hold.

 

Mutual Funds and ETFs

Mutual Funds and ETFs (Exchange Traded Funds) are both collections of stocks and bonds which are actively managed. The money is spread across a diverse portfolio, so if one stock or bond is doing poorly, there’s a chance that another is doing well. That could help reduce your risk and your overall losses.

 

They’re both handled by a portfolio manager which will save you the time and effort of managing it yourself. It’s an easy way to invest your money with medium risk, but you’ll also need to pay a percentage to your investment manager.

 

Annuities

An annuity is an investment which relates to your pension and can be bought from the age of 55 onwards. Annuities give you a guaranteed income which will be calculated using a number of factors, such as your age, the size of your investment and the state of your health.

 

An annuity is guaranteed to be paid for the rest of your life and you could get a higher income from an enhanced annuity if you have certain medical conditions or lifestyle factors when you buy. There are also tax-saving options with an annuity when you purchase an annuity using your pension. You can usually choose to have up to 25% of the amount paid to you as a tax-free cash lump sum, and use the rest to buy the annuity.

 

Cryptocurrency

Investing in cryptocurrency is a relatively new phenomenon, but people have made huge amounts of money from choosing the right currency to invest in. Bitcoin is one of thousands of cryptocurrencies (also referred to as ‘digital’ or ‘virtual’ currency) that aren’t controlled by any country, treasury or central bank. In 2010, one bitcoin was worth around £0.08, whereas today, one bitcoin will set you back an enormous £36,500. While we aren’t suggesting that it’s still possible to make this kind of income by investing in crypto, there are still currencies out there which will give you a tidy return on your investment.

 

Property

Property is one of the most common ways for people to invest large amounts of money and now is actually a surprisingly good time to invest in property. Experts are predicting that the UK could see prices grow by 21.5% by 2025, making property a reliable channel for maximising returns with low interest rates and high demand. The beauty of property investment is that you will also have somewhere to move to should you choose, rather than selling up if the market is unfavourable.

 

To discuss the options available to you please contact our team 

There are many ways to save your money for the future, whether you’re thinking as far ahead as your retirement or simply saving for a big purchase like a deposit on a home or upgrading your car. Most savings accounts are simply a pot which you can draw from at a later date and won’t increase in value with any great significance. They’re great if you’re going to need to access your money at short notice or want to save a relatively small amount in an ISA.

There are, however, a lot of reasons why investing your money is a much better plan; here’s a few of them:

 

Better Earning Potential

In order to grow your money, you need to put it in a place where it can earn a high rate of return. The higher the rate of return, the more money you will earn. Investment funds tend to offer the opportunity to earn higher rates of return than savings accounts. Therefore, if you want the chance to earn a higher return on your money, you will need to explore investing your money. This earning potential could be even greater if you invest your money in a number of different growth areas.

 

Tax

Here in the UK, we have one of the lowest rates of Corporation Tax. This means that any money you earn from your investments will be subject to lower taxation than any savings. Tax on savings income is paid at 20%, 40% or 45%, depending on how much other income you have, while tax on dividends from investments is paid at 7.5%, 32.5% or 38.1%. Based on the raw figures alone, it’s easy to see why investing is better than saving. And, there’s no questioning the fact that investing could see more money in your pocket and less in the tax person’s pocket over a period of time.

 

Diversity

Having money in investments is a good way to diversify your income, especially if you invest in shares which not only increase in value but also pay dividends. When the housing or employment markets are unstable, you may find one of your income streams becoming unreliable or disappearing altogether. Having investments may give you enough of a financial buffer to keep you in the black while your other income is interrupted.

 

Time

The best investments are the ones which are left for a long time and allowed to mature, giving you a greater return. If you’re thinking about saving for your retirement, it’s almost certain that investing at least some of your retirement money will give you a better return in the long run. Start thinking about your investments early, or better yet, give them to a portfolio manager and by the time you retire you’ll have a robust and sturdy selection of investments which will allow you to have financial security after you retire.

 

Inflation

If you place your money in a savings account for a long period of time, it’s likely that by the time you take the money out again, its value won’t stand up as well against inflation. For example, in 1990, the average UK house was valued at £57,683. By 2021, the average property was worth £231,000. Even when you take compound interest into the equation, basic savings simply cannot compete with inflation. Placing your money in an investment portfolio, however, can make that same amount of money work much harder for you. The risks are higher, but so is the potential return.

To discuss the options available to you please contact our team 

PFG Investments  is an appointed representative of Premier Financial Group, which is authorised and regulated by the Financial Conduct Authority

 

Investments

If you already have a portfolio of investments, they couldn’t be safer than in our hands. We can offer you specialist advice to create, manage or modify your investment portfolio in line with your income requirements, attitude to risk and taxation status. Want to start your own portfolio for investing your money? We can place your cash exactly where it will work the hardest for you, giving you the best returns and make your money work harder for you.

 

Pensions

Planning your pension can seem daunting. There are so many questions and so many things to consider. Premier Financial Group can help you to cut through all of the jargon and make the right decision for you that will make sure your finances are protected both now and when the time comes to retire. Our financial planners have the experience and knowledge to advise you and will take the guesswork out of your future finances, for peace of mind that you’ll be financially prepared and can enjoy your retirement – whether that’s travelling the world, enjoying the finer things in life or making the most of every day with your nearest and dearest.

Lifetime Mortgages / Equity Release

Equity Release is a way of releasing some of the capital you have worked hard to build up in your home so that you can continue to live in the home whilst benefiting financially from its value. You can elect to receive a regular income or a lump sum depending on your personal needs. As it’s already your money, it is also tax free! Read more…

 

To discuss the options available to you please contact our team

  • PFG Investments is an appointed representative of Premier Financial Group, which is authorised and regulated by the Financial Conduct Authority
  • We are upfront and will advise you openly with no hidden costs.
  • We will make sure you are 100% happy before choosing any investment plans and that you understand any risks.
  • Don’t just take our word for it, with over 240 5-star Google reviews.
  • We are independent and can advise on the whole the market
  • We are Norwich Based, No Call Centre
  • We are part of the Premier Financial Group, with access to a whole range of Financial Services just a phone call away.

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