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NORTHAMPTON 01604 623770
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Allan Investment Management  >  Retirement Planning  >  Pension Options

Pension Options


There are many ways of viewing your pension, but believe me by the time you come to need it... it's too late. In today's world few pensions are gold plated, but whatever stage of life you are in there are a number of very serious options for you to consider.

We offer you an independent assessment of your options for both the present and the future. Annuity, Drawdown, Defined Company pension are all phrases that are readily used but when it comes to choices every person's circumstances may dictate a different choice.

Self Invested Pension Plan (SIPP)

A SIPP is a DIY pension, also known as Self Invested Pension Scheme (SIPS). Traditional personal pension providers can limit your investment choice to a shorter list of funds which are normally run by the pension company's own fund managers. With a SIPP you can invest in a wider range of investments and choose your own funds.

Be aware that with that flexibility comes a responsibility. A SIPP is for someone who understands investing, does the research and is happy to spend some time working at it. If you make the wrong investment choices, it could have a serious impact on your financial situation during retirement, so you must feel comfortable managing your own investment portfolio and picking your own investments.

Pension Drawdown

Pension drawdown has now hit centre stage after the chancellor's recent pension freedom changes. It isn't for everyone but it needs serious consideration versus the alternatives. We have a number of clients who have chosen this option and the majority of their funds remain invested for growth whilst they withdraw a monthly pension.
Income Drawdown

Annuity

An annuity is a secure, regular income which you purchase from an insurance company using your pension fund when you choose to retire. The insurance company is then responsible for paying you a secure income for at least the rest of your life. Recent planned changes to regulations are giving people more options outside of the traditional annuity route.
Best Annuity
Enhanced Annuity

Saving For Your Pension

Wherever you work, however you save... putting money into a long-term pension plan is a good investment in your future. You do not need to make all the choices now, but what is important is the fact that you have decided to make that saving.

Personal Pension Scheme

Personal pensions are a way of saving for your future so you don't have to rely solely on the State pension. We can help you choose a pension provider, contribution amount and select the funds to invest into.

Company Pension Schemes

If you want help or advice on setting up a company pension scheme we are ready to help and able to take some of the administrative burden away from you.

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Allan Investment Management Ltd is registered in England & Wales No. 5638232.
Allan Investment Management Ltd is authorised and regulated by the Financial Conduct Authority No 446801.
The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.
Allan Investment Management Ltd, 18 Castilian Street, Northampton, NN1 1JX
Telephone: 01604 623770
Email: [email protected]


 Registered Office: 18 Castilian Street, Northampton, NN1 1JX