By Anthony Vice
Is there a pensions obstacle? definite! 16m humans (half the united kingdom group) are dealing with retirement poverty i.e. surviving on under forty in step with cent in their pre-retirement source of revenue. govt studies that 3m individuals are heavily under-saving, and as much as 10m aren't saving adequate. at present 2.75m pensioners (mainly girls) are already at poverty point. by way of 2050, seventy five in step with cent of pensioners will face skill trying out for nation advantages.
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Additional info for 7 Ways to Build Your Pension
Investing tax-free ISAs are the most popular way of investing so that income and capital gains are free from income tax - and do not even have to be notified to the Inland Revenue. ISAs, which are an important tool in building your pension assets, have become moderately 18 SEVEN WAYS TO BUILD YOUR PENSION complex - a detailed account appears in Chapter 4. Remember: an ISA is not an investment in its own right, but a wrapper or portfolio which brings freedom from tax to whatever it contains. National Savings, through premium bonds and certificates, are the other major tax-free route (see page 79) as are Friendly Societies, to a smaller extent.
There are still concerns that existing trusts could suffer, along with trusts set up for people who face losing the ability to run their own affairs through illness and the numerous trusts set up by grandparents for grandchildren. THE S E C O N D STEP - W O R K OUT A S T R A T E G Y 19 The practical advice has to be: if the assets in your trust have reached £250,000 or so - less than the value of an average house in south-east England - or if you think they are likely to get there, then you need to take professional advice.
Investors who want to choose when and how much money they draw down and when they pay tax on their income. Investors who are looking for income in the medium to longer term rather than the present. 48 SEVEN WAYS TO BUILD YOUR PENSION Some side-benefits The principal side-benefit of investing in a roll-up is that you access, indirectly, the wholesale finance market, which is usually open only to the investment institutions. You may also be able to take a currency position, which could be useful either as a speculation or if you are going to live abroad.