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What Pension is right for you? Advice right here

Home » Pensions - Personal and Auto-Enrolment » What Pension is right for you? Advice right here

What Pension is right for you?

Many people ask ‘what pension is right for me?’. As independent financial advisers we pride ourselfs on finding the right pension for your indevidual needs from the whole of market.

Please call us on 01323 734530 so you can know ‘what pension is right for you’.

Making sure that we have enough money for the end of our working days is the biggest financial challenge most of us ever face. As we live longer and retirement years increase, solid savings become ever more important.

Your money has more time to grow, and you will get more top-ups from the taxman. If you start a pension early, you can pay in less each month and still match the pension of someone who starts later – or pay in the same which means you’ll have more than they will, come retirement.

You can start which pension scheme at any time – whether you are employed, self-employed or not working. This type of pension is called a personal pension. Once you have set one up you can control how much money you pay into it.

You can save as much as you like into a personal pension. It won’t affect your entitlement to the basic State Pension but it may reduce the amount of additional State Pension you build up. You’ll be able to get tax relief on the amount you put in, up to an annual allowance. So, for each pound you put into your pension, the government tops it up using money it would otherwise have taken from you as tax.

Which pension is good for you?

Your decision will largely depend on how much you can afford to save for your pension and how much you will get from other pensions.

Personal pensions may be suitable for:

- people who are self-employed

- people who are not working but can afford to pay for a pension

- employees whose employer does not offer a company pension scheme

- employees who have the option to pay into a company pension, but choose not to

- employees on a moderate income who wish to top up the money they would get from a company pension

As independent financial advisers we pride ourselfs on finding the right pension for your indevidual needs from the whole of market.

Please call us on 01323 734530 so you can know ‘what pension is right for you’.

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Testimonials

I used 121 financial services due to a search I performed on the Internet. Mark was easy talk to when discussing personal financial matters and helped to give real examples of where certain services may be useful to me. They were both very approachable and friendly too which I believe is vital when dealing with sometimes sensitive subjects such as life insurance. I ended up buying a life insurance policy for myself and my husband and saved nearly £30 on the annual fee. I will use 121 in the future for any financial advice and support.

Nicola B

I was very happy with the service provided by Mark. Most importantly they saved me £50 per month on my insurance products. I found him extremely professional and completely focused on getting the best product for me at the best price.

Gemma E

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121 Financial Services
25 Hyde Gardens, Eastbourne, East Sussex, BN21 4PX
01323 734530 - info@121fs.com

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