Pensions

Whether you have a company pension and wish for more control over your funds, or you’re looking to set up financial plans for retirement, the importance of a good pension can not be overstated. Whilst many in the country will receive a state pension, new changes to the scheme have further pushed back the age of retirement for men and women. For those hoping to retire earlier, a decent saving plan is vital.

Having a financial advisor can ensure that you receive sound advice from independent experts. Mamucium Capital have decades of experience with pensions and will work with you to provide the best possible pension for your personal needs. In 2015, there is an increase in flexibility, so a decent plan could be the difference between early retirement or another ten years of work.

Whether you wish for a higher level of autonomy or a more tax efficient investment, we will explain your options in a straightforward, down-to-earth way that breaks down the industry jargon to provide you with solid, impartial advice.

Choose the Best Pension Plan

With the introduction of auto enrolment, by 2017 it will be the law for everybody in the country to have access to a pension scheme. As well as providing company-wide schemes, Mamucium Capital can also search for personal pension plan to best suit your needs. Whereas within a company pension you will often have little or no control over investment decisions, a personal plan puts you in the driving seat of your financial future.

A personal plan such as Self-Invested Personal Pensions (or SIPPs) can start from a little as £50 a month, and can allow for varying monthly contributions, or payment holidays should you need a financial break. However, with this extra freedom comes additional charges. Exit fees, fund fees and annual charges can all chip away at your nest egg, but a financial advisor can help minimise these charges and find a tailored scheme for your needs.

It may be that a traditional pension scheme is not the best method for you, in which case we can also explore other options including:

  • Individual Savings Accounts (ISAs)
  • Unit Trusts
  • Bonds

By considering  the above and pension contracts, we can offer a wide range of provisions to ensure that you are financially supported when you retire.

Our Services

Mamucium Capital’s independent status allows us to provide an impartial view of the current and future pension market to give you unbiased and honest advice over your finances. We will work with you by assessing your personal needs and financial standing to establish the best type of pension plan for you.

Searching the market, we can source the best options for your personal position, offering a plan that takes into account the following:

  • Tax efficiency
  • A pension’s strength now and in the future
  • Forthcoming changes to government legislation

As well as helping you to choose your pension, we will proactively review the state of your current plan, taking into account state, ex-company and benefits of your current pension fund. Once you’ve chosen the best solution for you, we will be on hand to offer regular reviews, ensuring that you’re constantly in control of your finance and up to date with the latest developments.

If you have any questions about our pension planning services, or pensions in general, call us on 01613125830. You can also fill in the contact us box to the right, and we’ll get in touch for a free, no-obligation chat.