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The biggest decision of your life?
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Three things you must do now
Key issues about you
Key issues about your choices
Two main options at retirement?
Your annuity choices
More on with profit annuities
Phased retirement
Income drawdown (unsecured pension)
What if you die? The "inheritability" issue
Tax free cash or not?
Investment issues
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Research Content
The biggest decision of your life?
**FASTQUOTE**
Will you need advice?
Three things you must do now
Key issues about you
Have you gathered all the facts about you?
Thinking through your objectives
Key issues about your choices
You must shop around
Are annuities bad value?
How long might you live, in theory?
Will you live long enough to make up lost ground?
No inflation, no problem?
Don't delay, waiting for annuity rates to improve
Don't delay, in expectation of reforms
Don't delay buying an annuity without a very good reason
Two main options at retirement?
Your annuity choices
Standard conventional annuity
Enhanced conventional annuity
Impaired Life conventional annuity
With profits annuity
Unit linked annuity
Flexible or open annuity
Optional extras, choices, and restrictions
More on with profit annuities
How it works
Example
Flexibility
Who should consider one?
How you might choose one
Phased retirement
How it works
Example
Flexibility in retirement
Is it right for you?
Product preference
Income drawdown (unsecured pension)
How it works
Drawdown Examples
Mortality drag and critical yield
Flexibility
Is it right for you?
Past experience
Product preferences
What if you die? The "inheritability" issue
Tax free cash or not?
Investment issues
Your other investments and savings
What level of risk are you comfortable with?
Our services
Useful facts
APPENDIX: 40+ questions to test your objectives
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