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Wednesday March 17 2010

Pensions   

Planning for retirement is a cornerstone of financial planning and a very complicated and complex area. FM2 Financial Consultants has a dedicated team of Pension Specialists who can provide access to the following vehicles:

Saving for retirement is something that most of us put off for as long as we can, but the reality is that the sooner you start paying into a pension the higher your income in retirement is likely to be.

If you’re working you’re usually building up the right to a basic State Pension – and possibly an additional State Pension – but these may not be enough to give you the standard of living you want.

If you are thinking of starting a pension, do so now. The first 5 years of contributions make all the difference. E.g. a 25 yr old paying just £50 per month would have over 38% more in their fund than someone who started at 30. Put another way, if they had paid 3 times the amount in the first 5 years and stopped they would have a bigger pension than the person who paid for 40 years.

Let FM2 Financial Consultants discuss your future retirement needs and advise you of what you need to do to achieve your income target.

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