Flexible low cost drawdown products

This website is for Financial Advisers. If you are a retail client, please click here

 

Our aim is to provide low risk, flexible retirement choices at the lowest possible cost

The old alternatives for retirees

A ball and chain on a white background. Very high resolution 3D render.Lifetime Annuities have historically been the only choice for the majority of retirees – they offer the benefit of a guaranteed income for life but the disadvantage of being inflexible.

 

street-sign-663366_1280Pension Drawdown has historically only been an option for wealthier retirees – it offers the benefit of high levels of flexibility but normally has investment risk and can attract high charges.

 

Our new drawdown alternatives for retirees

 

balance-716342_1280The Cash Retirement Account offers an alternative because it balances the best of both worlds – the flexibility offered by Pension Drawdown with the certainty offered by only investing your money in cash deposits.
 

The Select Retirement Account offers an alternative because it offers you the ability to combine the certainty of cash investments with the long term growth potential of asset backed investments within the same SIPP.

 

Why might this appeal to your clients


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Certainty – because the cash element of our plans only invest in cash deposits with banks covered by the FSCS and with National Savings and Investments so you know at outset exactly what benefits will be provided.

 


Your client’s cash is protected
because all of the banks that Assured Retirement invest with are participants in the Financial Services Compensation Scheme (FSCS) and we only invest your client’s cash up to the maximum FSCS limit with any single bank. NS&I are not participants in the FSCS but your money is 100% secure as they are backed by HM Treasury.


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High flexibility – because our products have been designed to offer the broadest range of options and benefits possible so they can be tailored to suit your client’s needs.

 


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Low Cost – because we have modern on-line systems which eliminate many of the costly paper processes normally associated with pensions. We disclose our annual charge on every personal quotation. It’s typically around 0.5% per annum, depending on your investment amount, account term and income specified.

 


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Optimised return on your client’s cash – because we operate a panel of Institutions and the mixture of accounts will be selected so that the interest earned is maximised.

 


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Tax saving opportunities – because the phasing of pension payments over a period enables every individual to make the most of their personal and basic rate income tax allowances.

 

How can I find out more?

A comprehensive range of information and documents are available to view or download from our Adviser Zone. These include a wide range of product details, case studies and technical documents. We have attached a selection of these below:

 


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Please click here to obtain an estimate of your client’s State Pension entitlement.

 


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Please click here to find out more about Assured Retirement, the Institutions we work with and how your cash is protected.

 


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Please click here to find out why you should consider the certainty of a cash based investment.

 
 
 


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Please click here if you would like to view our Cash Retirement Account client brochure.

 
 
 


Please click here if you would like to view our Select Retirement Account client brochure.

 
 
 


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Please click here to find out what makes our Cash Retirement Account different.

 
 
 


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Please click here to see how the Cash Retirement Account compares to alternative types of retirement plans.

 


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Please click here to see how the Cash Retirement Account compares to competitors, based on an investment of £85,000 and an annual income of £3,825.

 


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Please click here to see how the Cash Retirement Account compares to competitors, based on an investment of £150,000 and an annual income of £6,750.

 


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Please click here to see our current Institutional panel. All of the Institutions we invest with are participants in the Financial Services Compensation Scheme or in the case of NS&I, are backed by HM Treasury.

 
 
 


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Please click here to find out how 100% of your client’s cash is protected at all times.

 
 
 


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Please click here to see an example quotation based on a typical client.

 
 
 

What to do next?


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Please click here to register for personalised quotations available 24/7 to suit you.

 
 
 

Assured Retirement is authorised and regulated by the Financial Conduct Authority. Firm reference number 651421.