Investment Planning

Transferring out of a final salary pension is unlikely to be in the best interests of most people.

Pension Advice

Putting a little bit aside each month can have huge benefits for your future retirement plans. A pension pot can provide you with a channel of income to live on once you have retired, allowing you to slow down and enjoy the finer things in life.

There are various personal pension and retirement schemes available, suited to people of all ages and employment status, including self-employed. These can include products which will provide a regular income, or alternatively, a flexi-access product which enables lump sums to be taken as a one-off payment, or over a number of years.

Pension schemes can be complex and given the choice of products available, it is important to seek pension advice before deciding on the appropriate choice for you.

Pensions are a long-term investment and you may get back less than you put in. Pensions are subject to tax and regulatory change therefore, the tax treatment of pension benefits can and may change in the future.
Barfield Financial Advisors | Mortgage, Investment & Insurance Advice
Barfield Financial Advisors | Mortgage, Investment & Insurance Advice

Investments

In accordance with your risk attitude and goals, we will review the investments best suited to your needs. Investments are usually held for a longer period of time, roughly 5 years and more, to give your capital the greatest potential for a higher return.

However, with all investments, you are not guaranteed to make more money than you invested, nor have your original capital returned in full, should the markets drop. You should consider carefully whether you are comfortable with a large sum of money being tied up over a longer term, have sufficient funds available to invest, and the level of risk and volatility you would prefer to ensure your investment fund is the right one for you.

Your circumstances and goals will influence your choices and your advisor will be able to offer guidance as to the most suitable funds available to achieve your investment goals. 

The value of pension and investments can rise and fall. You may get back less than you invested.

Speak to us today to find out how we can assist you with your investment or pension planning.

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