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Retirement

Most people recognise that it is wise to plan for their retirement. This is especially true for those who are hoping to retire before the usual State Retirement ages.

Putting aside a regular amount of money during your working life is probably the most appropriate method to ensure that you will have sufficient income during your retirement. Investing into a Pension plan has historically been the most popular method of making these regular commitments. The tax advantages offered by the UK Government provide the opportunity for your Pension Fund to grow with virtually no tax. You are also currently allowed to draw a significant amount of your pension fund as a lump sum with no tax payable. (NB. The levels bases and relief's from taxation may be subject to change).

This section is designed to assist you in your choice of Pension Plan. Our helpful guides explain the differences between the various types of pension arrangement, whether you are employed, self employed or taking time away from day to day working perhaps as a carer or to raise your children.

It is becoming increasingly popular for people to use other methods of saving money for their retirement, such as ISA’s. If you would prefer to use arrangements other than Pensions please refer to the sections of this website dedicated to Savings or Investments.

The levels, bases and reliefs from taxation may be subject to change.

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The Spectrum Partnership LLP is a Limited Liability Partnership and is registered In England and Wales. No. C0303554
Registered Office: As above

The Spectrum Partnership LLP is authorised and regulated by The Financial Services Authority. The Financial Services Authority does not regulate personal finance, taxation and trust advice, will writing, school fees planning, offshore investments, advice on deposit accounts and some aspects of buy to let arrangements.

Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.

There may be a fee for mortgage advice. The precise amount will depend upon your circumstances but we estimate that it will be £300 for residential mortgages.

The tax reliefs referred to throughout this Internet site are those currently applying in the United Kingdom to UK Tax Residents. These tax reliefs are liable to change. The value of any tax relief available will depend upon the individual circumstances of the taxpayer.

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Website last changed: 05/05/2010