Ways to resist risky temptations

Article Abstract:

Investors may wish to keep their pension fund invested in stocks for as long as possible, in order to see maximum capital growth, but this involves risk, since stock prices can fall suddenly. UK stock prices took five years to recover to levels seen at a peak in Jul 1987. Investors should not wait longer than three years prior to retirement before moving the fund into fixed-interest investments. Income drawdown is one way of drawing an income while investing funds. Phased retirement is another option, with the fund moved into a number of pension contracts, some of which are used to provide an income.

Personal Investing, Personal finance, Investments, Retirement planning

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Strength in numbers?

Article Abstract:

Group personal pensions (GPPs) were launched in 1988 but only became popular later, in the 1990s. They have increasingly been taken up by smaller companies, and new providers are entering this market, such as Marks and Spencer Financial Services. The 1995 Pensions Act increased costs for occupational pension schemes and this has helped boost GPPs. Economies of scale mean that charges tend to be lower for GPPs than for conventional personal pensions.

Management, Employee benefits

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