It is a fact that due to breakthroughs
in medical science and a much reduced birth rate, the human race
is rapidly greying. It is also a fact that in the majority of
countries, state retirement plans will be cut to the bone within
the next 10 to 15 years. Sadly, it is now all too commonplace
for companies to cut costs by reducing pension benefits.
It gets worse for the expatriate. Even
if you are tax equalised in your home country, you still may not
qualify for corporate retirement benefits. If you are on a foreign
contract, then you are probably not going to have any corporate
pension cover whatsoever, other than the local national welfare
system and that is in a crisis from which it will never recover.
In days gone, we could work a lifetime
safe in the knowledge that we will be rewarded by our employer
and our government with a pension for our labours. Those days
have gone. It is now our responsibility to invest in ourselves,
to ensure that we can retire worry free.
The Worlds Leading Financial Institutions
At Pinnacle we recognise that choosing the correct
pension plan is amongst the most important financial decisions
of your life. We also welcome the responsibility of helping to
plan your retirement correctly. Our pension providers are amongst
the largest, best known and secure in the world. They include
Friends Provident International, Royal Skandia, Generali, Hansard
and Scottish Life.
Amongst the fund managers selected to provide mutual funds are
Black Rock, JP Morgan Fleming, Fidelity and Invesco GT. The portfolio
choices range from bonds to equities which touch upon every continent
in the world, as well as sectors such as biotechnology, gold,
energy and telecoms.
Experience
However, the wider the choice, the more difficult
it can be to find the right portfolio mix. This is where our pension
advisory comes in. Our experienced wealth managers will assess
your investment profile and aspirations. We will analyse and research
particular investment markets, their conditions and also consider
where you will be living and where the money will be landed. Only
then, will we recommend a solution to you.
Peace of Mind
There is no more serious undertaking than pension
planning. Your retirement is your reward to yourself for a lifetime
of hard work. It is the final judge and the all too acid test
of whether your working life has been a financial success.
The first step on that journey to a quality retirement
is to choose Pinnacle.
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