Pensions education

1. five years from pension age
Brief overview of a direct contribution pension
• contributions
• investment performance
• tax relief
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C O N S U L T I N G

2. five years from pension age
What are the basic asset classes?
• cash
• fixed interest
• UK equities
• overseas equities
• property
• commodities
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C O N S U L T I N G

3. five years from pension age
Review current investment strategy
• five year plan for fund
• default/lifestyle fund
• DIY strategy
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C O N S U L T I N G

4. five years from pension age
providing a pension - Annuity
• what is an annuity?
• different types of annuity
• open market option
• how to purchase an annuity
• charges
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C O N S U L T I N G

5. five years from pension age
providing a pension - Income Drawdown
• Self Invested Personal Pension (SIPP)
• How does income drawdown work?
• who provides income drawdown products
• charges
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C O N S U L T I N G

6. five years from pension age
providing a pension - Capital Withdrawal
• small funds
• how much can be withdrawn?
• tax rules on withdrawal
• charges
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C O N S U L T I N G

7. five years from pension age
considering your options
• income & expenditure in retirement
• required income
• examples
APN
C O N S U L T I N G