Pension Optimiser

Putting you more in control of your future income and lifestyle and optimise being a member of your workplace pension scheme.

‘Why ... what is your motivation? Why do you care about this?’

‘It is important to me to plan for my future income and lifestyle and take some positive next steps to achieve this.’

The workshop is designed to help you make the most of being a member of your workplace pension scheme, and benefits can include:

Improvement in Financial Wellbeing
Clarity on your Target Income and if on track or not, then decide on your % Pension Contribution
Significant savings in time and energy – through a structured, step by step approach
Reduced stress levels through a feeling of being more in control of your financial planning
Aligning your Risk Profile to your Capital Growth potential – instead of just remaining in the Default Fund without reviewing your Investment Strategy
Empowered to make decisions, take next steps and achieve positive outcomes

Here is an example of monthly contributions, based on a Basic Salary of £24,000:

Pension Contribution

Net of Tax (20%) & National Insurance (8%)

James Cowper Kreston

Pension Contribution

5%

100.00 n/a

Employee

Pension Contribution

3%

60.00

43.20 Total monthly investment

£160.00

Therefore, in the above example, for a net reduction in salary of £43.20, the amount invested each month is £160.00. This shows how valuable it is to be a member of the scheme and also the benefits of Salary Sacrifice.

Accessing your Aegon plan on-line

Please click here access your plan on-line. You will need to register if you have not already done so.

You may wish to access the site to:

Review / amend your Retirement Date
Obtain your Current Fund Value
Check the fund that you were automatically invested in (Default Fund)
Switch your Investment Fund/ Portfolio
Amend your Nominated Beneficiaries

Programme Dates and Registration

Please click here to register for the event.

The workshop will focus on:

How ... can you gather the relevant information and assess your options?

The three key discussion points:

How the pension scheme works
Creating a Financial Plan
How to assess your Attitude to Risk and Investment options

Please click on ‘Pension Optimiser Workshop‘ for the Three Key Messages of the session.

What ... next steps can you take?

Please refer to your ‘My Financial Plan’ document.

Please click on the various Aegon links below:

Here for the Aviva modeller ( not Aegon as discussed in the workshop) to access the Risk Profiler Questionnaire – to assess your Attitude to Risk

Here to access the full fund range

Here – Guide Me Option to access the Workplace Targeted funds (Cash / Annuity / Flexible)

You can also access free impartial pensions guidance from the Pension Wise Website.

Links from this website exist for information only and we accept no responsibility or liability for the information contained on any such sites. The existence of a link to another website does not imply or express endorsement of its provider, products or services by us or St. James’s Place. Please note that clicking a link will open the external website in a new window or tab.

The value of a Defined Contribution pension will be directly linked to the performance of the funds selected and may fall as well as rise. You may get back less than the amount invested.

James Cowper Kreston LLP