By Anthony Vice
Is there a pensions challenge? definite! 16m humans (half the united kingdom team) are dealing with retirement poverty i.e. surviving on lower than forty in step with cent in their pre-retirement source of revenue. govt stories that 3m everyone is heavily under-saving, and as much as 10m should not saving sufficient. at the moment 2.75m pensioners (mainly girls) are already at poverty point. by means of 2050, seventy five consistent with cent of pensioners will face skill trying out for nation merits.
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Additional resources for 7 Ways to Build Your Pension
SIPPs also have the advantage of flexibility. Some people who own their own companies use a SIPP to buy their business premises. ) You can buy a new property and let the THE THIRD STEP - BOOST YOUR PENSION 35 property to your own business. In this way you can turn your office into a pension. The rent has to be set at a market level, but the money goes into your pension fund where it will grow free of tax. When the SIPP sells, the capital gain will be free of tax. If you invest in property, the benefit of tax relief means that you are buying at a 40% discount.
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. Using trusts You also need to be aware of the scope for trusts in dealing with a family situation - though Gordon Brown's 2006 Budget changed the rules for trusts.
You will, at all times, need to consider whether you take your own investment decisions, using the press and the Internet, or whether you need professional advice from an independent financial adviser (IFA). If you choose an IFA, then you will have to pay, through a fee or commission or possibly a combination of the two. FUNDS TO COMPLEMENT YOUR ISAs ISAs are a government creation, offering useful tax breaks, which can be low-risk or high-risk as you choose. Among the many funds that are on offer in the marketplace, three are worth considering to stand alongside your ISAs.