Retirement Planning

Taking Gains off the Table

The recent bull market has been an attractive place for investors looking to generate sizable returns on their investment. Ongoing speculation of a potential market downturn in 2018 is now leaving investors with the challenge of finding a way to protect their recent gains.

Pensions

5 Ways To Increase Your Pension Check

To maximize your retirement, you should try to maximize guaranteed income available to you. Here are 5 ways to increase your pension check.

The Personal Pension

Employer Pension Vs. Private Pension

If you don't have an employer pension plan, you can use a private pension (Personal Pension) to create one for yourself. Every dollar you put in buys you insurer-guaranteed income.

The Personal Pension

Insurance for Retirement with Private Pensions

If you bought life insurance to protect your family from the loss of your income should you pass away early, you might also want to buy insurance for retirement through a Personal Pension to protect them against the opposite risk: that you live a long time and run out of money.

The Personal Pension

Private Pensions to Supplement Your 401(k)

The Personal Pension provides guarantees and protection that the 401(k) does not, namely from longevity and market risks. Use a Personal Pension to supplement your 401(k), making sure to always take advantage of the 401(k) employer match.

The Personal Pension

Flexible Private Pension

With the flexible private pension (the Personal Pension), you have full flexibility around your contributions. You could contribute annually, monthly, on an irregular schedule, or just once.

The Personal Pension

Pension Guarantee in Private Pensions

The private pension (Personal Pension) provides a pension guarantee, which is a guarantee of steady retirement income backed by top-rated insurers. It's made up of annuities, which can be thought of as the opposite of life insurance.