"I was keen to understand how my personal pension plan would work when I got to retirement. Barry drew a picture of a 'doughnut' and at last I could see, and remember, how the 'cake' gets distributed and the combinations of distribution available to me."
John Forsaith
Seer Green

Paragon Independent Financial Solutions Ltd is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Services Authority. Sesame is entered on the FSA register www.fsa.gov.uk/register/ under reference 150427.

The FSA do not regulate some forms of mortgage and Inheritance Tax Planning.

Pensions

How good are your pension arrangements?

  • Do you know how much your pension arrangements will provide when you retire?
  • Do you understand the tax benefits of pensions?
  • Have you taken advantage of the 'A day' legislation ( effective from April 2006)?
  • How did you choose your pension funds?
  • How often do you review your fund selection?

Too many people fail to realise that they can change pension funds.- and it is easy to assume that they are all much the same anyway. However, this is clearly not true; over the 5 years up to 30th September 2007, the best performing fund provided an average annual return of over 46%, while the worst performer showed an average gain of just 0.5%. (Source: O&M).

Past performance is not a guide to future performance.