Female Focus
Page 11
Jane would still have a pot of £99,725.14 at her estimated life expectancy of 88, which could be passed onto her spouse or children. This contrasts with her scheme pension of £8,500 per annum, available from 65, which offers only a 50% spouses pension and nothing for her children. Clearly, for a client in the right circumstances, a transfer could offer substantial benefits.
Over 1000 distribution points! Please note that past performance is no indication of
future performance, and values can go down as well as up. Illustrations of growth are not guaranteed and returns may be lower than those shown. An important factor to consider is that transferring a pension from a final salary scheme means sacrificing effectively guaranteed benefits for non-guaranteed benefits and a full review of your circumstances must be undertaken before a recommendation to transfer can be given. Figures given in the example show you what can be achieved, however the level of return cannot be guaranteed; your personal appetite for risk and the length of time you invest for will affect your potential returns or losses; it is important to remember that
the value of your investments can go down as well as up. Chorus Financial offer pension solutions from some of the biggest financial institutions in the World including Old Mutual and The Prudential, with the option to have your pension funds held by them and managed in the UK by FCA regulated fund managers. Where this option is taken, members would be entitled to protection under the UK FSCS (Financial Services Compensation Scheme). This is for information purposes only, and should not be taken as advice or an invitation to apply. Due to both the recently implemented changes in the pension legislation and the looming Brexit negotiations it is a prudent time to speak with an IFA to discuss the options that are pertinent to your individual circumstances. Expats in Spain can have their UK Private and Company pensions fully analysed free of charge, without obligation, simply by filling out a 2-minute form. This way you can be aware of your pension options, and in a better position to plan for your retirement. The pension form can be emailed or posted to you or you can visit our office to complete it. If you would like a copy of the form or more information, please either call me direct on 664 398 702 or email
s.kelly@
chorusfinancial.es. If you have any questions about these products or their suitability for you then please contact us for more information. Investment contracts are intended as medium to long term investments, and all investments have some level of risk. Sam Kelly is a regulated Financial Planner and Financial Commentator based on the Costa Blanca, with over 15 years’ experience of financial markets and portfolio management in both the UK and Spain. Chorus Financial is a trading style of Tourbillon Limited, authorised and regulated by the Financial Services Commission (Gibraltar), Licence Number FSC1118B and registered with the UK FCA as an EEA Authorised firm, reference 539348.
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