How to get pension advice in Glasgow
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Transcript of How to get pension advice in Glasgow
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PENSIONUNIQUELY BUILT AROUND YOU
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UK pensions are in crisis Many people need help to avoid retiring poor
WHY IPI?
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THE UK PENSION CRISIS IS ALARMING
THE EXTENT OF THE CRISIS?
£935billion
The total UK pension deficit as of
July 2016
16million
People who have never reviewed their
pensions
£46billion
How little we are saving for
retirement every year
(Up £20 billion from only a year
ago)
11 million frozen pensions
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THE EXTENT OF THE CRISIS?
77%of
Brits
Will retire on
2ka year
= £38 per week
WHAT DOES THIS MEAN FOR PEOPLE?
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THE CHALLENGE WE ALL FACE…
THE CHALLENGE
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UK pensions and the UK pension market are toocomplex for the average person to make sense of.
FINDING OUR WAY THROUGH PENSIONS
Andy HaldaneChief EconomistBank of England
“I consider myself moderately financially
literate, yet I confess to not being able to make the
remotest sense of pensions.
Things need to change now”.
May 2016Speech on trust in the financial sector.
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THE QUESTION WE FACE
Listed stocks
Derivatives
Property
Bonds
Commodities
Commodities
UK & Europe
North America
PhysicalAssets
Governments
Emerging Markets
Companies
Qualifyign Assets
Stock Markets
& Such complex Fund choices?
This complexService choice
DefinedContribution
FinalSalary
SSASs
iSSASs
OccupationalPensions
Personal Pensions
SIPPs
IFA.s
DiscretionaryFundManagers
Financial planners
Pensionfunds
HOW DO YOU FIND YOUR WAY IN …
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THAT’S WHERE IPI COMES IN
CHANGING THE GAME
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WE MAKE YOUR LIFE SIMPLE
A FOCUSED UNIVERSE
By bringing together some of the:1) Best IFAs/financial planners
&
2) Best performing funds on the IPI platform
to help you access the very best investment for your pension
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A COMPLEX UNIVERSE
Listed stocks
Derivatives
Property
Bonds
Commodities
Commodities
UK & Europe
North America
PhysicalAssets
Governments
Emerging Markets
Companies
Qualifyign Assets
Stock Markets
& Such complex Fund choices?
Such a complexService choice
DefinedContribution
FinalSalary
SSASs
iSSASs
OccupationalPensions
Personal Pensions
SIPPs
IFA.s
DiscretionaryFundManagers
Financial planners
Pensionfunds
INSTEAD OF THIS….
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& Performance Fund options
Funds
Technology
Services
Financial planners
IFAs
Professional Trustees
WE MAKE PENSIONS SIMPLE
A FOCUSED UNIVERSE
Exceptionalservice providers
Clarity & Protection
All the support& expertise…
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WHAT WE ARE ABOUT…
THE OBJECTIVE
…helping people plan adequately fortheir retirement
&
supporting them to make the right investment decisions
for their future.
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OUR COMMITMENTS
ETHOS
CAREWe protect our customers’ interest
whilst maintaining a strong business ethics
COMPLIANCEWe always work within the rules and
regulations set by the Financial Conduct Authority
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WHAT HAPPENS NEXT?
THE IPI PROCESS
Calculator
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THE PROCESS
From here
HOW DOES IT WORK?
LOA
Allow your IFA to obtain information on your pension
from your provider
Get advice
Your IFA will assess your needs, review your pension and
suggest alternatives
Decide
Choose how you want to proceed with
your pension investment decisions
Invest
Authorise your IFA to execute your
chosen investments on your behalf
Stay in control
Get 24/7 access to your investments
and manage future decisions
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THE PROCESS
From here LOA Get advice Decide Invest Stay in control
Check the investments& performance
of thefunds
Check the registrationand credentials
of your IFA
Exerciseyour right notto act on the advice you
havereceived
Monitor the performance
of your investmentsand stay involved
with future decisions
YOU ARE ALWAYS IN CONTROL
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IN A NUTSHELL
CONCLUSION
IPI DOES NOTmanage pension
funds or investments
INSTEADWe bring the best funds and
Advisers together to serve you