It is vital with financial products that they match your circumstances, being updated as those circumstances change. We have extensive experience in building low risk portfolios for cautious investors who nonetheless want to see their pension funds placed in a position to continue to grow.
Pensions

It is vital with financial products that they match your circumstances, being updated as those circumstances change. We have extensive experience in building low risk portfolios for cautious investors who nonetheless want to see their pension funds placed in a position to continue to grow.

Personal Pension Platform
We use a simple personal pension platform that can work for you whether you are contributing to your pension, waiting to retire or drawing income from it. We build the right portfolio of funds for you based on your long term financial goals, and coordinate this portfolio with the other investments we manage for you.

Although part of the pension benefits on retirement is taxable, you nevertheless get tax relief on the premiums you pay into the Plan, plus 25% of whatever you draw at the ‘back end’ will be tax free.

This platform can accept transfers from any other personal pension and we then manage all the money as one, bringing you the benefits of scale, oversight and simplified administration. We keep fully up to speed with the changing regulatory landscape such as ‘pensions freedom’ and make sure that you can take best advantage of these ongoing changes.

When the time comes to start to take an income – from age 55 – we can use the sophisticated tools the platform provides for you to draw the best and most tax efficient income to fund you through your retirement. When you die, the pension fund does not die with you. You choose who you want to benefit following your death.

SIPPs and SSASs
We manage fund portfolios on behalf of SIPPs and SSASs. We normally hold these investments on an onshore platform that will allow your pension administrator to reclaim internal taxes on funds where appropriate. Money from your SIPP or SSAS can also be transferred into the personal pension platform – this is often more cost effective than a SIPP or a SSAS if you just invest in funds.

See our commentary on Budget 2018 as it affects pensions

OUR OTHER PRODUCTS

Collective Investment Accounts

Take full advantage of your annual Capital Gains Tax Allowance.

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ISAs

Make the most of this handy tax-free investment vehicle.

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International Portfolio Bonds

A flexible vehicle for offshore investing.

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Discounted Gift And Loan Trusts

Be guided by us to minimise your estate’s Inheritance Tax liability.

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Protection Insurance

Protect yourself/your family/your estate.

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Sycamore Wealth