Our Approach

Income Drawdown

"Income Drawdown enables you to retain investment choice and control. If investment growth is achieved on the residual funds, combined with rising annuity rates that increase with age, a higher pension may also be purchased than would otherwise have been secured from the outset."

Income Drawdown is the name given to the facility that enables you to continue to keep your retirement savings invested and take an income each year rather than buying an annuity. You decide when to purchase your pension, enabling you to time this for when annuity rates are at their most favourable.

Income Drawdown enables you to retain investment choice and control. If investment growth is achieved on the residual funds, combined with rising annuity rates that increase with age, a higher pension may also be purchased than would otherwise have been secured from the outset.

When considering Income Drawdown, you should seek professional advice. This is a complex area of retirement planning and there is no income guarantee. Regular reviews are required and the process can be expensive and may not be cost-effective for smaller funds.

High income withdrawals combined with poor investment performance could also reduce the fund and income, or deplete it altogether... Click Here to read further and to download 'A Guide to Income Drawdown'.

Contact Us: If you are approaching retirement, it is essential that you receive the best possible advice. To get the most out of your pension savings fund you should be confident that you are making the right decision about your retirement income. To discuss how we could help you, please contact us for further information.

A pension is a long term investment; the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future investment rates and tax legislation.

Annuities

"We'll set the scene to help you
secure a bigger retirement income."

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Pension Consolidation

"Keeping track of your pension portfolio
to get the best out of the contributions
you've made."

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Self-Invested
Personal Pensions

"Providing you with the investment choice to enable you to take greater control over your retirement planning."

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Get in touch

CFS Independent Financial Advisers Limited
Lower Blyth Suite, Kirkley Hall, Ponteland, Newcastle upon Tyne, NE20 0AQ

Telephone: 01661 821110
Fax: 01661 821120
Email: enquiries@cfs-ifa.co.uk

 

 

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