18 SENIOR LIFESTYLE 18 OCTOBER 2015 Retirement Planning & Property Downsize to find a home that fits
Nick Sanderson, CEO at Audley Retirement Villages, on planning and moving
their future. Their new choice of housing should ref lect their aspirations for exceptional design, minimal maintenance, and should have facilities on hand that support healthy living. Te baby-boomer generation has
D
lived very differently to the older generations that came before and in many ways they’re radically rethinking retirement and what it should represent.
De-stress by de-cluttering We all know that moving is one of the most stressful things you can do and moving to a smaller property can pile on the pressure. However, there are simple ways to make the process less scary.
De-cluttering your property can have a positive affect on your state of mind Image: Getty Start small by cleaning out that
desk drawer full of dust, string and keys to long-forgotten locks, and sort out the wardrobe in the spare room — do you really need that suit you haven’t worn since the 1980s? By slowly going through your
possessions you’ll see that you’re keeping lots of things you never even look at, let alone use. So if you get
on top of the clutter, when it comes to actually moving you’ll already be halfway there.
Perfect fit Downsizing is about getting a house that fits the life you want to live. So take time to figure out exactly what that means to you. It could be different things: a large kitchen
or a beautiful garden or simply something that’s easy to maintain and clean. It’s also important to plan ahead:
will it be able to age with you and adapt to any changes in your needs? Once you have the criteria, you can then start to really narrow down your options.
Continued on page 20 Would you like to pay less tax?
You could use money you’d otherwise pay in tax to build wealth by investing in profitable private companies.
With the HMRC-approved Enterprise Investment Scheme you could: • Reduce your income tax bill by 30% of your investment
• Reduce your CGT bill by 28% of your investment
• Save 40% inheritance tax without giving your assets away Tese powerful tax reliefs are new to many
investors, but are attracting more and more attention as pensions are trimmed back.
Use Rockpool to help build your tax-efficient private company portfolio Rockpool offers direct investment into quality private companies. Depending on the level of your experience in making investments, you can choose to build your portfolio through
either a self-select or managed service. Te minimum investment is £10,000 and there are no fees for you to pay.
About Rockpool Matt Taylor launched Rockpool Investments in 2011 to give investors a different route into tax-efficient investing in private companies, based on transparency and flexibility. Investors receive regular updates on the
businesses they’ve invested in; there’s the opportunity for as much engagement with the companies as an investor would like; plus, Rockpool will continue to look aſter the
investor’s
the investment. “It was really difficult for investors to put
their money into private companies and have any control over it,” Matt says. Rockpool’s approach is based on direct investment, and not via a fund, which gives greater choice and control over the timing of the investment.
Tese powerful tax reliefs are new to many investors, but are attracting more and more attention
Ask Rockpool about tax-efficient private company investing. Call 020 7015 2150, email
team@rockpool.uk.com or visit
www.rockpool.uk.com
This is a financial promotion and has been issued by Rockpool Investments LLP. Your capital will be at risk and you may get back less than you invest. Unquoted company investments aren’t readily realisable and may not be suitable for you. You shouldn’t rely on income or capital from such investments to meet your foreseeable needs.
Matt Taylor, founder of Rockpool “Te key to Rockpool is its transparency,”
says Edward Archer, senior financial planner, Argentis Financial Management.
Rockpool’s three principles:
Transparency • Regular updates • Engagement with management • Online investment portal
interests for the lifetime of
Professional support • Thorough preparation • Negotiation of favourable investor terms
• Support through life of the investment
Choice • Risk profile – asset-rich or growth • Diversity of portfolio • Self-select or managed service
ownsizing puts people in control of their lifestyle, their property wealth and
Senior Lifestyle recommends:
Independence and community Retirement Villages Group Te Polo Field is a new collection of private properties at Lime Tree Village, an award-winning community in the Retirement Villages Group Ltd portfolio. Te company, one of the leading pioneers of the retirement village concept, has 14 bespoke communities across the UK offering independence and support.
retirementvillages.co.uk
Invest when and where you want Rockpool As private companies find it hard to attract investment, highly attractive terms as well as tax savings can be secured for individual investors. Rockpool makes it easy to invest directly into private companies, doing all the work from investigating the business to negotiating the best terms.
rockpool.uk.com
High returns for investors Select Property Group Select Property Group is a global developer, retailer and operator of market-leading property investment brands, controlling every aspect of the investment lifecycle. Select is revolutionary in the market and is totally accountable to its community.
selectproperty.com
investor
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