ANNUITIES 

For current annuity rates go to our

Retirement sites page.

Anyone requiring a guaranteed

income; and when this is the main

source of retirement income.

If the annuity is not indexed inflation will erode the value of future income. The correct choice of annuity type is important as once bought, an annuity cannot be changed.

An annuity provides a stream of income but the capital used to purchase the annuity income will not be returned to the policyholder or their estate.

PENSION

FUND

DRAWDOWN

To view a suggested   pension fund investment split go to our

Retirement sites page.

For those with other sources

of income, therefore not reliant

on this income which can fluctuate.

Pension income and pension fund values can fall as well as rise. Short term performance is potentially volatile. Income should be limited to the current investment yield; otherwise there is a danger of eating into capital. Diversifying your pension investments can help to reduce volatility.