• Retirement planning

    Whether it is in the distant future or just round the comer, planning for your retirement can help you to get the lifestyle you want after all those years of hard work. There are a number of factors to think about; what age you want to retire, how much money you may need and what you can afford to invest now. Most of us take a pragmatic approach in order to meet our retirement needs. However, planning for retirement is increasingly important- the cost of living continues to rise and the value of the state pension looks set to continue to dwindle in real terms.

    If your company offers a pension scheme, it's worth noting that few other investments can match them for tax efficiency.

    Getting started

    No time to lose. With numerous other demands on your finances, it's not always easy. However, even small amounts invested early can make a big difference over the longer term so the sooner you get started the better.

    If you're comfortable that stock market investments present a higher risk than cash savings accounts, it makes sense to see what opportunities are available for your retirement. While we all want to retire with as much as possible, it makes sense to be realistic in your expectations.

    At F&C, we have a range of investment trusts that can provide the potential for capital growth as well as income. You have the flexibility to switch between trusts quickly and easily to suit your changing requirements. So if you are many years from retirement you can create a portfolio of investment trusts focused on achieving growth and then switch to income focused trusts as you approach retirement.

    The value of shares and the income from them is not guaranteed and can fall as well as rise due to stock market movements. When you sell your shares, you might get back less than you originally invested. Changes in rates of exchange may have an adverse effect on the value, price or income of investments. If you have any doubts about which investment product is right for you please contact your financial adviser.

Past performance is not a guide to future results. The value of investments can go down as well as up.

Information in this section of the Website is directed solely at persons who are located in the UK and can be categorised as retail clients. Nothing on this website is, or is intended to be, an offer, advice, or an invitation, to buy or sell any investments. Please read our full terms and conditions before proceeding further with any investment product referred to on this website. This website is not suitable for everyone, and if you are at all unsure whether an investment product referenced on this website will meet your individual needs, please seek advice before proceeding further with such product.



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