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is an inevitable part of our life! We all work towards having
a peaceful and enjoyable retirement where we can live out the
finer years of our lives using the savings we have amassed throughout
our working life. Choosing the right pension or annuity scheme
as early in your working life as possible is often vital to
ensuring you receive a decent-sized regular income upon retirement.
Leave it too late and your scheme may not meet your monthly
needs. Pension and annuity plans generally work by growing year-on-year
through compounding interest on a long-term basis, so the earlier
you start putting money into a plan, the greater it will compound
over your working life and the more it will be worth in the
future. Whilst starting a pension plan young is important, also
choosing the right plan can make a huge difference to the amount
you receive in the future. Using the Honest Johnny pensions
and annuities comparison service can help you find the best
plans for your requirements, ultimately giving you a better
insight into the highest returns available upon retirement.
Our comparisons are completely free and could make a great difference
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Information on Pensions, Pension Funds & Pension Schemes:
A pension is classed as a steady income given
to a person, usually after retirement. Pensions
are typically payments made in the form of a guaranteed annuity
to a retired or disabled employee. Some retirement plan designs
accumulate a cash balance through a selection of mechanisms
that a retiree can draw upon at retirement, rather than promising
annuity payments. These are often also called pensions.
In either case, a pension created by an employer for the benefit
of an employee is commonly referred to as an occupational or
employer pension. Unions, the government, or other organisations
may also fund pensions.
Occupational pensions are a form of deferred compensation, usually
advantageous to employee and employer for tax reasons. Many
pensions also contain an insurance aspect,
since they often will pay benefits to survivors or disabled
beneficiaries, while annuity income insures against the risk
While other vehicles (an annuity for example)
may provide a similar stream of payments, the common use of
the term pension is to describe the payments a person receives
upon retirement, usually under pre-determined legal and/or contractual
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The market for pension fund investments
is still centred around Anglo-Saxon economies. Originally back
in 2005 the United States was the largest market for pension fund
investments followed by the UK.
Pension reforms have gained significant pace worldwide in recent
years and funded arrangements are likely to play an increasingly
important role in delivering retirement income security and also
affect securities markets in future years.
is a Pension fund?
A Pension fund is a pool of assets forming an independent legal
entity that are bought with the contributions to a pension
plan for the exclusive purpose of financing pension plan
Pension funds are important shareholders of listed and private
companies. They are especially important to the stock market where
large institutional investors dominate. The Economist reported
that Morgan Stanley estimates that pension funds world-wide hold
over £10 trillion in assets, the largest for any category
of investor ahead of mutual funds, insurance companies, currency
reserves, sovereign-wealth funds, hedge funds, or private equity.
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Open versus closed pension funds
Open pension funds support at least one pension
plan with no restriction on membership while closed pension funds
support only pension plans that are limited to certain employees.
Closed pension funds are further sub-classified into:
- Single employer pension funds
- Multi-employer pension funds
- Related member pension funds
- Individual pension funds
versus private pension funds
A public pension fund is one that is regulated under public sector
law while a private pension fund is regulated under private sector
law. In certain countries the distinction between public or government
pension funds and private pension funds may be difficult to assess.
of Information: Wikipedia
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contained herein this website should not be construed or taken
as advice. Please consult your IFA for advice.