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Pension advice

Pension Planning

Pension advice – When was the last time you reviewed your pensions? Do you know where they are invested, and how they are performing? The most important part of pension planning is to know where your monies are invested.  If you don’t carry out regular reviews on the performance of your pension you could be losing out. You could even find that your pension will not be enough to provide you with the comfortable retirement you had planned.

At Sterling North we can provide you with a full review of your current pensions and advise you in plain English, on how your current arrangements are performing.

Portfolio Management Service

FROM OUR EXPERIENCE, working with hundreds of clients, we have discovered that most people who invest their hard-earned money in a pension plan are frustrated by its performance. They are also worried that their pension plan will not generate enough income to fund their retirement.

Our research shows that investors have a right to be worried. Many pension plans under-perform because they are not given the attention they deserve. The danger is that if your pension plan is not managed properly, you may not achieve financial security in the future.

Unfortunately, many people do not address this problem because they are too busy, or do not understand the extent of this issue. They think their pension salesperson is taking care of their affairs, and would make changes to their plan if necessary.

That is why it is important for you to take charge of your pension plan now, before it is too late. Acting now could make a huge difference to your future financial security. It could enhance the performance of the investments in your pension, and lower your management fees. That is why we urge you to consider our managed portfolio service.

The Pension Performance Review

To manage your portfolio we use the pension performance review. This is a fee- based, objective analysis of your risk profile, your investment objectives, your expectations, and the performance of your pension investments. Simply put, we assess the current status of your pension plans, and make detailed recommendations to overhaul your investment performance.

We begin by helping you establish and put in writing your risk profile, your investment objectives, and expectations. Then we look at your pension plans and determine if the asset allocation is right for your situation. If the structure of your pension plan is appropriate, we will recommend not changing anything. But if analysis shows that you can optimise the investment returns of your pension plans, or lower your pension administration costs, we will say so.

The key is objectivity: because we charge for this service, we have no other vested interest other than to see your pension investments grow. We simply give our advice.

The Pension Performance Review offers multiple benefits to investors concerned about the investment climate, and their future.

You have the potential to:

• Enhance the performance of your assets;

• Build a portfolio that will empower your future; and

• Lower your pension administration charges.

Once you have completed the review, you will be in a position to make an informed choice therefore potentially giving you greater peace of mind. You will know what investments you hold and why. And, you will feel clearer about your goals, and have greater confidence about achieving them.

To speak to one of our advisers please phone 01494 614 636 or email admin@sterlingnorth.co.uk or  click the request a call back button and one of our advisors will get back to you at a time that is convenient with you.

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