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BEAT THE PENSIONS CRISIS: WHAT YOU NEED TO DO NOE TO IMPROVE YOURWOOD B. BRINN C. / FINANCIAL FUTUREwydawnictwo: PEARSON ED, 2009, wydanie Icena netto: What is the pensions crisis and how does it affect you? Put simply it’s the gap between the amount of money that you need in retirement, compared with the amount of money that you’re likely to receive from your pensions. At first glance, this gap can look large and it’s tempting to think that the situation is hopeless. But it’s not! Beat the Pensions Crisis shows you that you have a lot more control over your pension than you may have thought, and by taking the right action, at the right time, you can do a lot to increase your income in retirement. Providing for a secure retirement is simple, and step-by-step you’ll learn how to:
Brian Wood is chief executive of Telos Solutions, a leading management consultancy that specialises in delivering practical and workable solutions to complex and difficult problems in the financial services industry. He is a qualified actuary and has previously served as chief executive of Windsor Life, PPP Lifetime (the life and pensions arm of PPP Healthcare) and Winchester White management consultants. During his career, he has worked on a broad range of assignments in the life and pensions industry, many of which have involved working with industry bodies, government and the regulators. Claire Brinn is a director of Telos Solutions and chief executive of Wealth Squared, a business that provides advice to women having to make major financial decisions for the first time, usually after a death or divorce. Claire is an experienced manager and executive in financial services, having worked with Chemical Bank, Prudential and Britannic Assurance before becoming one of the founders of Telos Solutions. Table of Contents What crisis? The nature of the crisis Why you must take responsibility Private pensions Company pensions State pensions The costs of retirement Myths and delusions · Including a Flow chart pointing from each false belief to relevant sections in the book Tackling the problem What can I do if I am near retirement? (Primary audience for chapter: ages 50s, early 60s) · Work out how much you will get State pension Company pensions § Sample letter Private pensions § Sample letter Other assets · How to convert this into real worth in the future (ready-reckoners) · Flowchart(s) summarising all the above · Work out how much you will need Current lifestyle expectations § Ready-reckoner based on current lifestyle How these may change § Lifestyle choices Other things to think about · Flowcharts(s) summarising all the above The ‘gap’ you need to close How that gap might change over time · Actions you can take Choices relating to State pensions Choices relating to Company pensions Choices relating to Private pensions and all your other assets § Choices about your type of pension at retirement Choices relating to lifestyle · How these actions affect the ‘gap’ What can I do if I am already retired? (Primary audience for chapter: late 60s onwards) · Assessing your likely sources of income Pensions from various sources § Searching for ‘lost’ pensions State benefits and concessions Other assets § Property, investments, endowments etc § Ready-reckoner for value as a pension · Assessing your needs What you have learnt in the transition to retirement Taking benefits into account Other things to consider (eg how to fund your next car purchase) · Actions/options Working and taking pension Effect of, and mechanisms for, deferring pension Funding for long-term care Planning for inheritance Equity release etc What can I do to make provision for a future pension? (Primary audience for chapter: 40s and below) · The state pension will be insufficient Example calculations Taxes will have to support huge numbers of pensioners § Baby Boomer effect § Lower birth rates It’s up to you · Company pension Join it! Increase contributions Additional Voluntary Contributions (AVCs) Take into account when changing jobs Maximise pension from previous employers · Private pensions Advantages and disadvantages Stakeholder pensions Pensions products Self-administered pensions · Other savings and investment Advantages and disadvantages Other forms of tax relief Endowment maturities Reference to other Pearson publications for greater detail) Options and issues for everyone (Audience: everyone) · Looking at all your assets, not just pensions How much equivalent pension could they buy? Include your current income Ready-reckoners · The best investment of all Eliminate consumer debt High, guaranteed, tax-free returns · Pensions and unexpected events Job loss Divorce Death 216 pagges, Paperback
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