RETIREMENT & INVESTMENT

Why am I here?

Agenda

What type of pension do you have?

How is it doing?

Could it be better?

Nerdy Calculations

Are you on track?

Net Asset Value @Retirement

Property

Pensions

Financial Investments

Pensions – how they work

StateCorporatePrivate

State Pension

• Mandatory

• 2016 = 9,35%

• Capped at €5,400 pm

• Investment choice

• Portability

• Qualification

• Drawdown outside EU – 30% reduction

• Example

Corporate Pension

• Voluntary

• Represent 3/5 working population

• Contributions vary

• Sector driven

• Benefit reduction – DB vs DC

• Inheritance

• Thank Sugar

Global Pension Crisis

Problems facing Pensions

European Interest Rates 1998 - 2015

Not only European Issue

Healthier people living longer

Private Pension

3rd Tier

Migration to Personal Wealth Management

Tailored for modern population

Bridging the Gap

Shortfall

How much do I need for retirement?

1 mill Euro retirement fund

= 50,000 Euros per annum @ 5% return

Private Pension Benefits

Investment choice

Currency

Portability

Flexibility

Protection

Inheritance

Access

Control

The Stock Market

Everyone's situation is different

Nationality

Budget

Time line

Attitude to risk

Purpose for investment

How much do you need?

Diversification

A Well-diversified

portfolio; the cornerstone of

a successful investment

strategy

A range of asset classes,

Equities, Bonds,

Commodities, Property,

Mutual Funds

Conclusion

Wealth Management

Retirement Planning

Estate Planning

Education Planning

Life Insurance Strategies

Your position at Sugar

Follow-up form for free consultation

Finally…