PruFund – Risk Managed Funds
When choosing how to invest your money, the choices are huge. There are literally thousands of funds available to you, investing in different geographical areas and asset types.
Many people I meet require a managed fund. They want the security of knowing that an’ expert’ is looking after their money and making all the day to day decisions. Managed funds have been around for many years. Increasingly, these days they tend to be risk rated, enabling an investor to be matched with a suitable fund. In recent years, there has been much innovation in this area. A good example of this is the Prudential’s PruFund, which was launched on 25th November 2004.
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Do you qualify for an enhanced annuity?
Do you know that if you are a smoker or have a medical condition such as diabetes, high blood pressure, heart disease or cancer, then you could receive a higher retirement income?
Depending on your medical situation, an enhanced annuity could give you up to 40% higher income than a standard annuity, guaranteed for life.
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The importance of tax relief
When discussing retirement planning with our clients, a great deal of attention is always given to fund choice and the corresponding past performance figures.
However, it is important to remember one of the fundamental reasons why pensions should be the investment of choice for retirement planning.
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A Bleak Future
Against a background of political wrangling about pension reform, a growing number of UK individuals face an uncertain – and uncomfortable – retirement.
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Some Harsh Words on Retirement Planning
The following article is quite abrupt and to the point. It is difficult to write about some of the basic, yet important issues surrounding retirement planning without perhaps touching some nerves. So if you’re easily offended, please move on. My objective here is to help people to understand retirement and to successfully plan ahead for later life. This involves waking up to some serious issues. So please read this in the spirit it is meant and please don’t shoot the messenger.
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How to Build an Investment Portfolio
When make an investment (whether it be a lump sum, regular savings or a pension contribution), you have some important decisions to make and fund selection will be high on your decision list. If your investment is small, you may decide to use a single fund. However, for most, it is important to build a suitable portfolio of funds because:
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Portfolio Rebalancing
If you have a pension or investment plan, you will often invest in a selection of different funds, often referred to as a ‘Portfolio’.
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Do you have a large Pension fund?
Whatever the size of your pension fund, it is very important that your investment is looked after. However, the harsh reality is that with larger funds, the level of care can usually be improved on.
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What is your tolerance to risk?
If you are a saver or an investor, have you ever really considered the amount of risk you are taking with your money?
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Important News About Your Pension
It is important to ensure that pension arrangements are reviewed periodically. Changes in product design and legislation have had a dramatic effect on the options available for pension policyholders.
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