BROWNING
FINANCIAL PLANNING
Are you on track for a comfortable retirement? TAKE THE TEST
Dominic Browning, Managing Director
Posted by Dominic Browning
04/04/24
News, Resources, Insight and Opinion from Browning Financial Planning

Company Pension planning options

Dominic Browning, Managing Director
Posted by Dominic Browning
04/04/24

We regularly look at the company pension funds of prospective and existing clients.

95% of the time our analysis shows they are in poorly performing funds which only seem to "get ahead" as there are both employer and employee contributions being made. Without these regular contributions, they would be little to no growth.

But no-one seems to notice or care....except us.

If this is you, you have 3 options:

1. Stay as you are, grateful for free money going into a stagnant pot.

2. Provide us with the full range of the funds available to you and we will advise you, for a one-off fee, what alternative funds might be better.

3. If there are not any serious alternative funds available, transfer 95% of your pension fund to a provider with better fund choices but keep 5% with your employer's scheme to keep receiving the free money.

Unless you are very wealthy or you require very low levels of income in retirement, you need to make all your pension funds work hard for you. You should NOT feel duty bound to stay in a poorly performing company pension fund, just because your employer is paying free money into it.

More News, Insight & Opinion
Inheritance Tax discounts for jointly-owned property

If you own property with someone else (for example your spouse) when you die, you can claim a reduction in the value of your share for Inheritance Tax purposes. Continue

WIdows/Widowers and Inheritance Tax

Did you know that if a a widow and widower get married, then on their deaths, they may be able to leave up to £2,000,000 to their families with paying Inheritance Tax (IHT)? How is this possible? Continue

The Importance of Regular Savings

The number one factor in building a retirement or investment pot is investing regularly over the long-term and keeping it going until the day when you need to draw down on your investments or pension pot. Continue

Is a Lifestyle Trust the right IHT solution for you?

It is getting harder and harder to shelter your assets from the Government when you die, as the Inheritance Tax (IHT) thresholds have not changed since 2009. Continue

Inheritance Tax Planning

Trying to pass on as much as your wealth as possible to your children is getting harder and harder, due to the freezing of the IHT (Inheritance Tax) thresholds since 2009.  Continue

Investment Bonds

An investment bond is a packaged investment offered by a life company as opposed to an investment company. They work differently to investment company package products (known as General Investment Accounts or GIAs). Continue