Having an enjoyable retirement takes a lot of planning and access to sound advice. Below is a selection of some of the most popular options people choose regarding their pensions and more specifically annuities.
If you wish to buy a pension annuity you must make an important one-off decision. Once you reach 55 years of age, you are allowed to start converting your pension into an income even if you decide not to stop working.
Presently, 25% of your pension fund can be withdrawn tax-free. You will therefore find yourself in the position of between 75 to 100% of your total pension coming in the form of an annuity. There are a variety of ways in which you can access annuities.
Open Market Option
As a pensioner you will be able to choose the provider of your annuity. Given both the spectrum of choice and the importance of the decision, it is crucial that you have the best possible advice.
A further option to consider is leaving a portion of your pension invested whilst accessing a different part of it. As long as it falls within the amount allowed by the government, you can change the amount you withdraw as your circumstances alter.
Debbie Day based in Felixstowe, Suffolk would love to hear from you with any Financial Services questions or queries that you may have.
Best way to get in touch is to telephone us on Felistowe 01394-775771 Mobile 07704 311021 or alternatively e-mail us on the contact from below.
But before you contact us why not checkout some of our customer testimonials below:
For more customer testimonials please visit our testimonials page.
“Very satisfied with the advice given and dealt with Debbie for many years and found her again via the internet and very pleased I have”
Mrs F – Ipswich, Suffolk.
“overall very happy with it and much more comfortable with the lower risk of my existing investment”
Mrs L – Trimley St Mary Felixstowe, Suffolk.
“We were both extremely happy with all the recommendations we received from Debbie and were more than happy to follow her advice on our investments”
Mr & Mrs H – Felixstowe, Suffolk.
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