This document discusses introducing private third-party pension sponsorship to help address issues with the UK pension system. It notes widening savings gaps and lost consumer confidence in pensions. It analyzes past schemes and concludes more innovation is needed rather than repeating past approaches. A potential third-party pension sponsorship model is outlined that could improve outcomes by providing extra funding support, focusing on consumers, and offering financial education alongside retirement solutions. Benefits could include reducing the savings gap and shifting liability away from the public sector.
The document discusses studies that have shown a high percentage of active fund managers underperforming benchmarks over periods of 1, 3, 5, and 10 years. However, it notes that simply looking at these statistics in isolation can be misleading, as funds have different time frames and start periods for outperforming benchmarks. Considering the effects of probability, it may not be reasonable to expect a high percentage of funds to outperform at any given time period. The document encourages further exploration of alternatives to passive funds rather than automatically ignoring active managers.
This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses:
1) The introduction of new pension freedom rules in the UK, which were well-received as they provide more flexibility in how pension benefits can be taken. The firm has acquired a new planning tool to help clients understand their options.
2) Continued global market volatility in 2015 and the importance of reducing investment risk. The firm's wealth management service addresses this.
3) The impact of auto-enrollment legislation on small employers and the firm's development of a low-cost workplace pension scheme for clients who own businesses.
4) Introductions for the financial advisors at the firm and
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
Senior Financial Resources wants our clients to be informed about the world of retirement finances, and the many factors that can affect their retirement, IRAs, and the financial world in general.
Cornerstone Wealth Management's July 2017 "Investment Insights" newsletter, focusing on the Dept. of Labor's Fiduciary Rule, which should reduce conflicts of interest and protect the interests of all investors.
This document discusses factors that drive stock market returns and provides a framework for forecasting future returns. It identifies three main factors: dividend yield, earnings growth, and the price-to-earnings ratio. Historical data on these factors is presented. A formula is provided that incorporates earnings growth, P/E ratios, and dividends to forecast potential returns over 10 years. A matrix shows projected returns under different assumptions about earnings growth and P/E ratios.
Blake Lapthorn, Barings, Shilling and Barnett Waddingham's Southern Pensions ...Blake Morgan
'Blake Lapthorn solicitors Pensions team, along with Barings, Shilling and Barnett Waddingham held a Pensions conference in Blake Lapthorn's Southampton office on 22 November 2012. The conference was titled: Pensions - are we (anywhere near) there yet?
The document discusses studies that have shown a high percentage of active fund managers underperforming benchmarks over periods of 1, 3, 5, and 10 years. However, it notes that simply looking at these statistics in isolation can be misleading, as funds have different time frames and start periods for outperforming benchmarks. Considering the effects of probability, it may not be reasonable to expect a high percentage of funds to outperform at any given time period. The document encourages further exploration of alternatives to passive funds rather than automatically ignoring active managers.
This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses:
1) The introduction of new pension freedom rules in the UK, which were well-received as they provide more flexibility in how pension benefits can be taken. The firm has acquired a new planning tool to help clients understand their options.
2) Continued global market volatility in 2015 and the importance of reducing investment risk. The firm's wealth management service addresses this.
3) The impact of auto-enrollment legislation on small employers and the firm's development of a low-cost workplace pension scheme for clients who own businesses.
4) Introductions for the financial advisors at the firm and
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
the choice of financial professionals
Print
Digital
Websites
Creative
Marketing
Personalised Client Marketing Factsheets
You may also be interested in
Financial adviser newsletters
Financial adviser client magazines
Personalised marketing factsheets
Financial adviser Corporate brochures
Personalised 2014/15 Tax Data card
Bespoke publishing services
Financial adviser client marketing factsheets
Goldmine Media's professional financial adviser factsheets will enable your business to extend client communication, raise brand awareness, improve marketing efficiency, enhance client retention and increase sales.
Generate further repeat business opportunities
This service has been designed to generate further repeat business opportunities and referrals from your clients. Besides educating and informing clients, you're also achieving greater brand and name recognition, which is a very beneficial way to build lasting relationships.
Nurture relationships as part of your ongoing service proposition
In a post-RDR environment, there has never been a more important time to communicate with your clients on a regular basis, and each factsheet will ensure that you're able to nurture relationships as part of your ongoing client service proposition.
Each factsheet used as part of a direct mail campaign provides an unrivalled way of maintaining client contact and providing information that your clients know to be impartial, relevant and timely.
Senior Financial Resources wants our clients to be informed about the world of retirement finances, and the many factors that can affect their retirement, IRAs, and the financial world in general.
Cornerstone Wealth Management's July 2017 "Investment Insights" newsletter, focusing on the Dept. of Labor's Fiduciary Rule, which should reduce conflicts of interest and protect the interests of all investors.
This document discusses factors that drive stock market returns and provides a framework for forecasting future returns. It identifies three main factors: dividend yield, earnings growth, and the price-to-earnings ratio. Historical data on these factors is presented. A formula is provided that incorporates earnings growth, P/E ratios, and dividends to forecast potential returns over 10 years. A matrix shows projected returns under different assumptions about earnings growth and P/E ratios.
Blake Lapthorn, Barings, Shilling and Barnett Waddingham's Southern Pensions ...Blake Morgan
'Blake Lapthorn solicitors Pensions team, along with Barings, Shilling and Barnett Waddingham held a Pensions conference in Blake Lapthorn's Southampton office on 22 November 2012. The conference was titled: Pensions - are we (anywhere near) there yet?
Leveraged Planning Solutions are financial strategies designed for business owners. They allow business owners to use funds from a commercial loan to invest large sums tax-deferred through an insurance or annuity product. This leverages the business owner's funds to grow tax-deferred over time. A case study examines how a $1 million loan at competitive rates could provide a physician business owner over $3 million in tax-free retirement income starting at age 65 through an indexed universal life policy. Leveraged Planning Solutions offer business owners flexible financing options to fund tax-advantaged retirement plans.
Netwealth educational webinar - Unlocking the value in your financial plann...netwealthInvest
During our February 2017 webinar, Rob Jones from Peloton Partners shared his research and insights into how to successfully grow your financial planning business.
The document summarizes recent awards and growth at Lawler Partners accounting firm. It discusses the firm winning two national awards for best accounting and professional services firm. It highlights the firm's commitment to exceeding client expectations and understanding their businesses. It also notes the firm's continued growth in the Sydney market and transition from a regional to mid-tier national firm.
Working to deliver better member outcomesHenry Tapper
This document provides an overview of AgeWage, an independent financial advisory firm, and Retirement Line, the UK's largest annuity intermediary.
AgeWage aims to provide clear and simple scoring and guidance on retirement options through an algorithm assessing pension funds. It advocates for thought leadership in advising clients and proposes a delegated model for ongoing oversight of appointed independent financial advisors.
Retirement Line arranges annuities through an automated online and telephone service. It specializes in enhanced annuities that provide higher payouts based on health factors. Retirement Line has achieved significant growth and high customer satisfaction ratings. It aims to secure the best retirement outcomes for clients through expert, contented staff.
The document contains a collection of questions and answers on various business and finance topics such as capital structure theory, financial ratios, accounting concepts, investment analysis, and more. It provides links to additional resources and discusses measurements used to evaluate airline and company performance. The document serves as a study guide or practice questions for students or professionals.
Advocates Letter Format Shor Tpresentation PrintableThomas Tysl
Partner with Advocates For Savings to cut costs through analyzing expenses like worker's compensation insurance, taxes, credit card processing fees, and more. Their experts can find savings opportunities across various business areas and connect you with relevant subsidy and stimulus programs. Their services aim to improve your bottom line at no risk, as clients only pay a percentage of recovered savings or overpayments.
The document summarizes a presentation by Retirement Solution Group (RSG) about the state of the retirement plan industry. RSG is an independent retirement plan consulting firm that administers over 300 plans. The presentation discusses case studies of plans RSG has worked with, industry news and market updates, 401(k) trends for 2010 and beyond, and options for plan sponsors to maximize their plans while ensuring fiduciary compliance. The presentation encourages attendees to have RSG evaluate their plans to check funding levels, address any issues, and advise on strategic options.
This document provides an overview of the holistic wealth management and financial planning services offered by Financial Synergies. They take a comprehensive approach to serving clients' financial needs, including growing and protecting investments, planning for retirement, reducing taxes, and designing company retirement plans. Their process involves discovery meetings, financial planning, developing an investment strategy, and ongoing review meetings. They provide unlimited support through emails, calls, and online resources. Financial Synergies acts as a fiduciary and aims to simplify clients' financial lives through coordinated wealth management.
Managing distressed private equity and credit investmentsSteven Rosenblum
Many family offices, pensions, endowments and other investors that have historically allocated capital to private equity and credit funds (“Investors”) are increasingly investing in transactions directly. To achieve similar returns, Investors must replicate the capabilities of institutional asset managers in sourcing opportunities, structuring transactions and investment oversight. When unexpected problems occur post-investment, Investors often lack the resources and internal expertise to optimally manage the position, especially in distressed situations. These include risk management practices to help prevent investments from becoming distressed, activist expertise to manage distressed situations and strategies to recover investments after they have become impaired. This article discusses best practices in each of these areas that help Investors maximize the value of problematic investments.
A common perception is that sustainable investing means having to settle for lower returns. But by investing in a cheap and efficient way, it's possible to match the market return or even better it.
Hanrick Curran is an accounting and consulting firm that provides various services to hospitality clients, including financial statements, tax advisory, transaction support, general insurance, and SMSF administration. They have been a diamond sponsor of the QHA for over 25 years. The document discusses future trends in technology, consumption, and the competitive landscape that hospitality businesses need to consider when planning. These include the rise of social media, declining alcohol consumption, and higher customer expectations. It emphasizes defining target markets, identifying opportunities and threats, determining actions, and assessing financial implications. The firm has specialists in hospitality who can provide expertise and assistance with strategic planning.
The document provides information about short-term financing for firms. It introduces four group members and defines short-term financing as financing needed to meet growth needs or inventory requirements when cash flow from operations is insufficient. Examples of internal and external short-term financing sources are listed, along with advantages of trade credit. Negotiated short-term financing like bank loans are also discussed. The costs, types, and calculations for short-term bank loans are reviewed.
Business Cover Expert: A Guide to Business Life InsuranceSarah Beldon
Our guide to Business Life Insurance helps customers understand which policy will suit them and their business. We look into Key Man Insurance, Relevant Life Cover, Partnership Protection and Shareholder Protection to help you work out if you're eligible, what benefits you can get from the policy and how it can help protect you, your business and your employees. With Business Cover Expert, we help to advise and guide you on the best life insurance policies for your business. We make sure you get a tailored policy to suit your exact requirements.
Non-Executive Directors (NEDs): Adding Value in Construction & InfrastructureNigel Brindley
Investors in infrastructure project companies are experiencing an unprecedented assault on their value whilst facing the looming and increasingly risky challenges of concession expiries.
Similarly, construction and services SMEs are facing complex challenges of lock-down induced corporate debt, supply chain volatility, post-Brexit labour shortages, the trend to off-site fabrication and, despite expectations of rising construction demand, increasingly unpredictable workload forecasting.
These are creating the most challenging business environments for construction and infrastructure investors for a generation.
The appointment of independent Non-Executive Directors (NEDs) to Project Company and SME boards can help to preserve shareholder value, improve operational oversight and contribute broad experience and perspective to board business. So why is such a cost-effective solution not more widely adopted?
This presentation explores the pros and cons of appointing independent NEDs to infrastructure project companies and SMEs in the construction sector.
Leverage.ph is an online peer to business lending platform where users can apply for a loan and even invest in a SMEs with calculated and computed risk compared to doing it individually. We also can do cash management service for SMEs as value added services to them.
This document provides an overview of Leverage.ph, a financing company that offers loans, credit lines, and purchase orders to small- and medium-sized businesses (SMEs) and freelancers in the Philippines. It introduces Jose, an entrepreneur who was unable to open his sports shop due to a lack of funding, and how Leverage.ph was able to provide him a loan to purchase inventory through their representative Fidel. The document outlines Leverage.ph's goal of addressing market inefficiencies for both lenders and creditors by providing affordable loans to SMEs that traditionally lack access to credit. It highlights the company's milestones and testimonials from satisfied clients to build confidence in their services.
The document discusses trust deed investing as an alternative investment approach. It provides an overview of trust deed financing, including that it involves direct lending secured by real estate. It then gives examples of how financial planners have used trust deed investments to enhance fixed income portfolios, diversify equity-heavy portfolios, and help fund healthcare costs and longer lifespans in retirement planning.
Ponència al Màster en Community Manager d'InitecFundació Puntcat
Intervenció del director de puntCAT, en Jordi Iparraguirre, al Màster en Community Manager a 21 de novembre de 2012, on explica l'estratègia del domini .cat a Internet i a les xarxes socials.
Avantatges que ofereix el domini .cat per a segmentar el mercat catalanoparlant i facilitar l’apropament als clients, tot parlant-los en la seva llengua i sense renunciar a cap altre domini.
Presentació feta pel dicretor de puntCAT a la fira d'empresaris i emprenedors bizbarcelona.
This document is a design portfolio belonging to Alex Brown Jr. that showcases various drawings and sketches he has created. It includes pencil drawings of characters like Betty Boop as well as vehicles. It also shows 3D models and engineering drawings Alex created for school projects involving parts like a motorcycle head gasket, link assembly, and tractor piston. The portfolio demonstrates Alex's skills in techniques like perspective, shading, modeling in Autodesk Inventor, and rendering concepts for products.
Leveraged Planning Solutions are financial strategies designed for business owners. They allow business owners to use funds from a commercial loan to invest large sums tax-deferred through an insurance or annuity product. This leverages the business owner's funds to grow tax-deferred over time. A case study examines how a $1 million loan at competitive rates could provide a physician business owner over $3 million in tax-free retirement income starting at age 65 through an indexed universal life policy. Leveraged Planning Solutions offer business owners flexible financing options to fund tax-advantaged retirement plans.
Netwealth educational webinar - Unlocking the value in your financial plann...netwealthInvest
During our February 2017 webinar, Rob Jones from Peloton Partners shared his research and insights into how to successfully grow your financial planning business.
The document summarizes recent awards and growth at Lawler Partners accounting firm. It discusses the firm winning two national awards for best accounting and professional services firm. It highlights the firm's commitment to exceeding client expectations and understanding their businesses. It also notes the firm's continued growth in the Sydney market and transition from a regional to mid-tier national firm.
Working to deliver better member outcomesHenry Tapper
This document provides an overview of AgeWage, an independent financial advisory firm, and Retirement Line, the UK's largest annuity intermediary.
AgeWage aims to provide clear and simple scoring and guidance on retirement options through an algorithm assessing pension funds. It advocates for thought leadership in advising clients and proposes a delegated model for ongoing oversight of appointed independent financial advisors.
Retirement Line arranges annuities through an automated online and telephone service. It specializes in enhanced annuities that provide higher payouts based on health factors. Retirement Line has achieved significant growth and high customer satisfaction ratings. It aims to secure the best retirement outcomes for clients through expert, contented staff.
The document contains a collection of questions and answers on various business and finance topics such as capital structure theory, financial ratios, accounting concepts, investment analysis, and more. It provides links to additional resources and discusses measurements used to evaluate airline and company performance. The document serves as a study guide or practice questions for students or professionals.
Advocates Letter Format Shor Tpresentation PrintableThomas Tysl
Partner with Advocates For Savings to cut costs through analyzing expenses like worker's compensation insurance, taxes, credit card processing fees, and more. Their experts can find savings opportunities across various business areas and connect you with relevant subsidy and stimulus programs. Their services aim to improve your bottom line at no risk, as clients only pay a percentage of recovered savings or overpayments.
The document summarizes a presentation by Retirement Solution Group (RSG) about the state of the retirement plan industry. RSG is an independent retirement plan consulting firm that administers over 300 plans. The presentation discusses case studies of plans RSG has worked with, industry news and market updates, 401(k) trends for 2010 and beyond, and options for plan sponsors to maximize their plans while ensuring fiduciary compliance. The presentation encourages attendees to have RSG evaluate their plans to check funding levels, address any issues, and advise on strategic options.
This document provides an overview of the holistic wealth management and financial planning services offered by Financial Synergies. They take a comprehensive approach to serving clients' financial needs, including growing and protecting investments, planning for retirement, reducing taxes, and designing company retirement plans. Their process involves discovery meetings, financial planning, developing an investment strategy, and ongoing review meetings. They provide unlimited support through emails, calls, and online resources. Financial Synergies acts as a fiduciary and aims to simplify clients' financial lives through coordinated wealth management.
Managing distressed private equity and credit investmentsSteven Rosenblum
Many family offices, pensions, endowments and other investors that have historically allocated capital to private equity and credit funds (“Investors”) are increasingly investing in transactions directly. To achieve similar returns, Investors must replicate the capabilities of institutional asset managers in sourcing opportunities, structuring transactions and investment oversight. When unexpected problems occur post-investment, Investors often lack the resources and internal expertise to optimally manage the position, especially in distressed situations. These include risk management practices to help prevent investments from becoming distressed, activist expertise to manage distressed situations and strategies to recover investments after they have become impaired. This article discusses best practices in each of these areas that help Investors maximize the value of problematic investments.
A common perception is that sustainable investing means having to settle for lower returns. But by investing in a cheap and efficient way, it's possible to match the market return or even better it.
Hanrick Curran is an accounting and consulting firm that provides various services to hospitality clients, including financial statements, tax advisory, transaction support, general insurance, and SMSF administration. They have been a diamond sponsor of the QHA for over 25 years. The document discusses future trends in technology, consumption, and the competitive landscape that hospitality businesses need to consider when planning. These include the rise of social media, declining alcohol consumption, and higher customer expectations. It emphasizes defining target markets, identifying opportunities and threats, determining actions, and assessing financial implications. The firm has specialists in hospitality who can provide expertise and assistance with strategic planning.
The document provides information about short-term financing for firms. It introduces four group members and defines short-term financing as financing needed to meet growth needs or inventory requirements when cash flow from operations is insufficient. Examples of internal and external short-term financing sources are listed, along with advantages of trade credit. Negotiated short-term financing like bank loans are also discussed. The costs, types, and calculations for short-term bank loans are reviewed.
Business Cover Expert: A Guide to Business Life InsuranceSarah Beldon
Our guide to Business Life Insurance helps customers understand which policy will suit them and their business. We look into Key Man Insurance, Relevant Life Cover, Partnership Protection and Shareholder Protection to help you work out if you're eligible, what benefits you can get from the policy and how it can help protect you, your business and your employees. With Business Cover Expert, we help to advise and guide you on the best life insurance policies for your business. We make sure you get a tailored policy to suit your exact requirements.
Non-Executive Directors (NEDs): Adding Value in Construction & InfrastructureNigel Brindley
Investors in infrastructure project companies are experiencing an unprecedented assault on their value whilst facing the looming and increasingly risky challenges of concession expiries.
Similarly, construction and services SMEs are facing complex challenges of lock-down induced corporate debt, supply chain volatility, post-Brexit labour shortages, the trend to off-site fabrication and, despite expectations of rising construction demand, increasingly unpredictable workload forecasting.
These are creating the most challenging business environments for construction and infrastructure investors for a generation.
The appointment of independent Non-Executive Directors (NEDs) to Project Company and SME boards can help to preserve shareholder value, improve operational oversight and contribute broad experience and perspective to board business. So why is such a cost-effective solution not more widely adopted?
This presentation explores the pros and cons of appointing independent NEDs to infrastructure project companies and SMEs in the construction sector.
Leverage.ph is an online peer to business lending platform where users can apply for a loan and even invest in a SMEs with calculated and computed risk compared to doing it individually. We also can do cash management service for SMEs as value added services to them.
This document provides an overview of Leverage.ph, a financing company that offers loans, credit lines, and purchase orders to small- and medium-sized businesses (SMEs) and freelancers in the Philippines. It introduces Jose, an entrepreneur who was unable to open his sports shop due to a lack of funding, and how Leverage.ph was able to provide him a loan to purchase inventory through their representative Fidel. The document outlines Leverage.ph's goal of addressing market inefficiencies for both lenders and creditors by providing affordable loans to SMEs that traditionally lack access to credit. It highlights the company's milestones and testimonials from satisfied clients to build confidence in their services.
The document discusses trust deed investing as an alternative investment approach. It provides an overview of trust deed financing, including that it involves direct lending secured by real estate. It then gives examples of how financial planners have used trust deed investments to enhance fixed income portfolios, diversify equity-heavy portfolios, and help fund healthcare costs and longer lifespans in retirement planning.
Ponència al Màster en Community Manager d'InitecFundació Puntcat
Intervenció del director de puntCAT, en Jordi Iparraguirre, al Màster en Community Manager a 21 de novembre de 2012, on explica l'estratègia del domini .cat a Internet i a les xarxes socials.
Avantatges que ofereix el domini .cat per a segmentar el mercat catalanoparlant i facilitar l’apropament als clients, tot parlant-los en la seva llengua i sense renunciar a cap altre domini.
Presentació feta pel dicretor de puntCAT a la fira d'empresaris i emprenedors bizbarcelona.
This document is a design portfolio belonging to Alex Brown Jr. that showcases various drawings and sketches he has created. It includes pencil drawings of characters like Betty Boop as well as vehicles. It also shows 3D models and engineering drawings Alex created for school projects involving parts like a motorcycle head gasket, link assembly, and tractor piston. The portfolio demonstrates Alex's skills in techniques like perspective, shading, modeling in Autodesk Inventor, and rendering concepts for products.
Amostra 21 erros classicos da gestao de projetos por eli rodriguesEli Rodrigues
Este documento fornece um resumo de um livro sobre os 21 erros clássicos da gestão de projetos. O autor explica que o livro é baseado em entrevistas com mais de 1.000 gerentes de projetos sobre o que deu errado em seus projetos. Os erros são divididos em erros do gerente de projetos, da equipe e da organização para ajudar outras pessoas a melhorarem a gestão de seus projetos.
This document introduces the concept of private third party pension sponsorship as a way to address issues in the UK pension industry. It notes that current industry approaches are failing to solve the widening savings gap or rebuild consumer confidence and trust. A new, innovative, consumer-focused approach is needed that provides extra funding, education, and flexibility while reducing risks. Private third party pension sponsorship could potentially improve financial outcomes for savers, tackle consumer negativity, and help address employer budget constraints by shifting some liability to the private sector.
An Individual Pension Plan (IPP) allows high-income professionals and business owners to make annual pension contributions far exceeding RRSP limits, providing significantly higher retirement benefits than an RRSP alone. Contributions are tax-deductible for the incorporated business and the funds grow tax-deferred. However, IPPs have higher administrative costs and rules compared to RRSPs, making them best for older self-employed individuals earning over $138,500 annually who need to boost retirement savings beyond what RRSPs allow. While not flexible as an RRSP, an IPP can create a larger guaranteed pension if set up correctly with an actuary and accountant.
This document summarizes key information about auto enrolment requirements in the UK. It discusses the Pensions Regulator getting tougher with enforcement, including issuing escalating fines from £50-£10,000 per day for noncompliance. It also highlights that over 70 items must be addressed before, at, and after an employer's staging date for auto enrolment. Finally, it promotes Johnson Fleming's managed and supported auto enrolment services to help employers meet their legal obligations.
This document discusses creating a retirement income and investment strategy. It emphasizes the importance of planning before investing and outlines 4 steps to constructing a personalized strategy: 1) Estimate retirement expenses, 2) Identify sources of retirement income, 3) Determine tolerance for income variance, and 4) Construct the strategy with a financial professional. A case study example is provided to illustrate how these steps are applied for a hypothetical retiree. The key is to have guaranteed income sources cover essential needs and to work with an advisor to develop a customized plan.
How to... audit your auto-enrolment scheme complianceJohnsonFleming
This document discusses the importance of auditing an auto-enrollment pension scheme for compliance. It outlines four key areas that should be audited: the auto-enrollment scheme itself, communication processes, assessment and contribution processes, and scheme certification. The audit should ensure the scheme meets all regulatory requirements, proper documentation is maintained, and contributions are being correctly deducted and allocated. Regular audits are important to identify any issues and ensure ongoing compliance.
A SSAS (Small Self-Administered Scheme) is a type of UK occupational pension scheme for small businesses. It provides tax benefits such as corporation tax relief on contributions and tax-free growth of investments. Key benefits of a SSAS include allowing business owners to control the scheme as both members and trustees, provide loans to their business, purchase commercial property with tax reliefs, and consolidate all pension funds in one place with lower administration fees than other pension types.
CDC - an alternative way to keep collective schemes openHenry Tapper
This document discusses problems with defined benefit and defined contribution pension schemes and proposes collective defined contribution (CDC) schemes as an alternative. It summarizes that CDC schemes combine features of defined benefit and defined contribution schemes by offering target benefits rather than guarantees, collectively investing contributions, and adjusting benefits up or down based on funding levels. The document outlines how CDC schemes could work for both single and multi-employer plans as well as individuals, and provides contact information to learn more about CDC schemes.
The document discusses several topics:
1) The introduction of new pension freedom rules in the UK which gave clients more flexibility in how they access their pension benefits. These rules were well-received by clients.
2) Global market volatility in 2015 and the importance of reducing investment risk.
3) New auto-enrollment legislation that will require all UK employers to enroll their staff in a workplace pension by 2018. The company offers a low-cost pension solution for small businesses.
4) Introduces the team of financial advisors at the company.
This document provides updates from an independent financial advisory firm on recent changes in the financial industry. It discusses:
1) The introduction of new pension freedom rules in the UK, which were well-received by clients who could benefit from added flexibility in how and when they take pension benefits.
2) Continued global market volatility in 2015 and the importance of reducing investment risk through diversification.
3) New auto-enrollment legislation in the UK that will require all employers to enroll staff in workplace pension schemes by 2018. The firm has developed a low-cost pension solution for business owners.
This presentation provides an overview of Anumara Capital, a private equity firm focused on investing in small and medium companies in Brazil. Anumara aims to generate recurring returns through dividends rather than exits, focusing on healthcare, education, and retail sectors. It seeks to actively manage portfolio companies through operational improvements and shared service providers. Anumara also emphasizes ESG and responsible investing practices to have a positive impact and multiplier effect in the local economy. The presentation outlines Anumara's investment strategy, targets, differentials, pipeline, and team.
This document summarizes auto enrolment requirements in the UK and solutions offered by Johnson Fleming. It covers the key responsibilities employers face, including assessing their workforce, enrolling eligible employees into a qualifying pension scheme, and making minimum contributions. It highlights the increasing enforcement by the Pensions Regulator and potential fines for noncompliance. Finally, it introduces Johnson Fleming's auto enrolment services that can help employers meet their legal obligations through project management, administration support, and technology solutions.
This document summarizes auto enrolment requirements in the UK and solutions offered by Johnson Fleming. It covers the key responsibilities employers face, including assessing their workforce, enrolling eligible employees into a qualifying pension scheme, and making minimum contributions. It highlights the increasing enforcement by the Pensions Regulator and potential fines for noncompliance. Finally, it introduces Johnson Fleming's auto enrolment services that can help employers meet their legal obligations through project management, administration support, and technology solutions.
This document summarizes auto enrolment requirements in the UK and solutions offered by Johnson Fleming. It covers the key responsibilities employers face, including assessing their workforce, enrolling eligible employees into a qualifying pension scheme, and making minimum contributions. It highlights the increasing enforcement by the Pensions Regulator and potential fines for noncompliance. Finally, it introduces Johnson Fleming's auto enrolment services that can help employers meet their legal obligations through project management, administration support, and technology solutions.
This document discusses various retirement planning strategies using your business. It begins by asking how much readers think retirement will cost and lists common estimates. It then outlines an agenda to cover accumulating money pre-tax and after-tax, different plan types, taxation of retirement income, and combining plans. The document discusses strategies like qualified plans, IRAs, annuities, and life insurance to save both pre-tax and after-tax. It emphasizes the benefits of tax-deferred growth and argues readers should diversify their strategies between taxable, pre-tax, tax-deferred, and tax-free approaches. The document suggests meeting to review the reader's goals, existing plans, and make recommendations to help achieve their retirement objectives.
This document summarizes key information about auto-enrollment requirements in the UK in 2015. It notes that over 150,000 employers will need to comply with auto-enrollment in 2015-2016, and over 600,000 by 2016-2017. It outlines the Pensions Regulator is increasing enforcement, issuing escalating fines for noncompliance. It positions financial advisors as a solution to help employers navigate over 70 tasks required to comply with auto-enrollment requirements before, at and after their staging date. Services described include managed auto-enrollment programs and support packages to take on tasks for employers.
When is your pension scheme certificate due for renewal? Has your pay structure or pension contribution basis changed? This may affect your certification. Our webinar will help you through this complex but crucially important part of the auto-enrolment process. Hosted by our consultant Tasha Hartley.
Rob Jones, managing director of Peloton Partners, shares emerging pricing trends in the industry based on data from 70 advised firms across Australia, and strategies for advice practices to extract latent value out of their business.
Similar to Private 3rd Party Pension Sponsorship (3PPS) (20)
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In this presentation, we will explore the rise of generative AI in finance and its potential to reshape the industry. We will discuss how generative AI can be used to develop new products, combat fraud, and revolutionize risk management. Finally, we will address some of the ethical considerations and challenges associated with this powerful technology.
Abhay Bhutada, the Managing Director of Poonawalla Fincorp Limited, is an accomplished leader with over 15 years of experience in commercial and retail lending. A Qualified Chartered Accountant, he has been pivotal in leveraging technology to enhance financial services. Starting his career at Bank of India, he later founded TAB Capital Limited and co-founded Poonawalla Finance Private Limited, emphasizing digital lending. Under his leadership, Poonawalla Fincorp achieved a 'AAA' credit rating, integrating acquisitions and emphasizing corporate governance. Actively involved in industry forums and CSR initiatives, Abhay has been recognized with awards like "Young Entrepreneur of India 2017" and "40 under 40 Most Influential Leader for 2020-21." Personally, he values mindfulness, enjoys gardening, yoga, and sees every day as an opportunity for growth and improvement.
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Financial Assets: Debit vs Equity Securities.pptxWrito-Finance
financial assets represent claim for future benefit or cash. Financial assets are formed by establishing contracts between participants. These financial assets are used for collection of huge amounts of money for business purposes.
Two major Types: Debt Securities and Equity Securities.
Debt Securities are Also known as fixed-income securities or instruments. The type of assets is formed by establishing contracts between investor and issuer of the asset.
• The first type of Debit securities is BONDS. Bonds are issued by corporations and government (both local and national government).
• The second important type of Debit security is NOTES. Apart from similarities associated with notes and bonds, notes have shorter term maturity.
• The 3rd important type of Debit security is TRESURY BILLS. These securities have short-term ranging from three months, six months, and one year. Issuer of such securities are governments.
• Above discussed debit securities are mostly issued by governments and corporations. CERTIFICATE OF DEPOSITS CDs are issued by Banks and Financial Institutions. Risk factor associated with CDs gets reduced when issued by reputable institutions or Banks.
Following are the risk attached with debt securities: Credit risk, interest rate risk and currency risk
There are no fixed maturity dates in such securities, and asset’s value is determined by company’s performance. There are two major types of equity securities: common stock and preferred stock.
Common Stock: These are simple equity securities and bear no complexities which the preferred stock bears. Holders of such securities or instrument have the voting rights when it comes to select the company’s board of director or the business decisions to be made.
Preferred Stock: Preferred stocks are sometime referred to as hybrid securities, because it contains elements of both debit security and equity security. Preferred stock confers ownership rights to security holder that is why it is equity instrument
<a href="https://www.writofinance.com/equity-securities-features-types-risk/" >Equity securities </a> as a whole is used for capital funding for companies. Companies have multiple expenses to cover. Potential growth of company is required in competitive market. So, these securities are used for capital generation, and then uses it for company’s growth.
Concluding remarks
Both are employed in business. Businesses are often established through debit securities, then what is the need for equity securities. Companies have to cover multiple expenses and expansion of business. They can also use equity instruments for repayment of debits. So, there are multiple uses for securities. As an investor, you need tools for analysis. Investment decisions are made by carefully analyzing the market. For better analysis of the stock market, investors often employ financial analysis of companies.
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2. IMPORTANT QUESTIONS
• Excluding the reliance on 2nd
generation wealth, how
does the pension industry plan to solve the widening
savings gap?
• How will the industry re-engage consumers who
have lost all faith and trust in pensions?
• Has there been any real benefit from pension
‘improvements’ (switches) made in the last decade?
• Were these ‘improvements’ necessary and did any
valuable practical advice & education occur?
3. PAST vs FUTURE
• Final Salary schemes are closing
• DC Trust based schemes restrictive (admin)
• GPP’s impacted by impending RDR changes
• Is NEST really the answer or simply destined
to deliver yet more of the same?
• Is NEST a complete waste of £1bn?
4. INEVITABLE CONCLUSION
• In reality, successes are too few to identify
• Consumer confidence at an all time low
• Trust has to be rebuilt
• Consumer must be put first
• Innovation is essential; not more of the same
• Focus on the real enemy – ‘cost of delay’
5. KEY PENSION ANALYSIS
• Average Employer contribution 5.5%
• Average Employee contribution 3%
• Average term to NRD 22.8yrs
• Average pension fund value (1) £26,000
• Average pension fund value (2) £55,000
• Average scheme turnover 2-3 years
• Default fund cash flow 85% to 100%
(1) All pension plans, any size (2) Pension plans £1,500 and above
Source AEGON DC Group Pension Data
6. INCOME SHORTFALL ANALYSIS
ALL THINGS BEING EQUAL, THE VAST MAJORITY OF PEOPLE WOULD
LIKE TO RETIRE WITH 50% OF THEIR PREVIOUS WORKING INCOME
ON AVERAGE, WE ASSUME THAT A SHORTFALL OF AROUND £250,000 OF PENSION
FUNDING PER CLIENT WILL OCCUR ASSUMING CURRENT TRENDS CONTINUE
7. A DECADE OF RESTRUCTURING
• Reduce charges
• Poor investment performance (default fund)
• Poor administration
• Lack of technology
• Legislation changes
• Providers withdrawing from the market
COMMON JUSTIFICATIONS FOR PENSION PLAN
RESTRUCTURES
8. SCHEME DESIGN ANALYSIS
TYPICAL “90’s” SCHEME
• Initial charges 5% to 40%
• 5% bid/offer spread
• Loyalty units
• Default fund - With Profits
• 10 – 20 unit linked funds
• AMC’s – 1% to 1.5% p.a.
• Early encashment penalties
• Effective RIY 1.4% to 3%
TYPICAL “00’s” SCHEME
• Single priced
• No initial charges
• No bid offer spread
• Default fund – Lifestyle Tracker
• Over 100 fund links
• AMC’s – 0.35% to 1.5% p.a.
• Deferred Member Penalties
• Effective RIY 0.35% to 1.5%
EARLY
LEAVER
PERIOD
MOST PROFITABLE PERIOD
9. THE SAVINGS X FACTOR
• But what are the key factors that influence
long-term savings success MOST?
How much is paid in i.e. Premium
The length of investment term i.e. Term
Asset allocation i.e. Modern Portfolio Theory
Contract charges i.e. AMC
THE REAL FOCUS HAS TO BE ON GETTING
SUFFICIENT PREMIUMS INVESTED ASAP
10. CONFIDENCE CRISIS?
MOST COMMON REASONS GIVEN BY EMPLOYEES FOR NOT JOINING A
PENSION SCHEME
• No spare income
• My home is my pension
• No access
• Benefit too far off
• Not worth doing
• Too complicated
• Don’t trust greedy pension/investment firms
11. KEY CONSUMER POINTS
• Ideal pension at retirement 50% of income
• Limited risk preferred
• Target investment returns agreed at outset
• Protection if something goes wrong
• Fees should not apply if investments fail
• Access to savings in an emergency
• Investment freedom
12. TACKLING THE BIG ISSUES
• Pensions on their own will in most cases fail to
deliver the ideal income based on DC averages
currently operating
• Employers cannot afford more
• Employees cannot afford more
• Society cannot afford more
• Only pensions people think pensions are great
A revolutionary, innovative approach is required
13. 3PPS CORE FOCUS
• Extra funding support critical
• Consumer focused to win back trust
• Has to be more than just a pension involved
• Practical advice and education programme
• Empower small investors in DC schemes
• Long-term view will help to reduce risk
• Practical lifestyle solutions are essential
14. 3PPS POTENTIAL BENEFITS
• Improves financial outcome for savers
• Reduce savings gap
• Tackles consumer negativity
• Provides extra flexibility
• Helps with Employer budgets
• Shifts liability to private sector
• Improves workforce positivity
• Provides opportunity for financial education
16. FOR MORE INFORMATION
EMPLOYEE BENEFIT CONSULTANTS / WORKPLACE DC SCHEMES / TRUSTEES
Please contact Darren Say, Managing Director 07966 069 829
INVESTMENT GROUPS / NETWORKS / IFAS’S / ACCOUNTANTS
Please contact Pierre Coussey, Pension & Investment Strategist 07907 917 133
COMPLIANCE / OPERATIONAL SUPPORT / TECHNICAL
Please contact Ian Bullock, Operations Director 07896 252 061
South East Regional Office T: 01279 899 002 E: info@rgpconsulting.co.uk
17. This document does not constitute personal advice. Should you have any doubt as to the suitability of an investment for your circumstances
you should contact one of our advisors.
All information and particulars contained in this presentation are for indicative purposes only. They are provided in good faith and are not
intended to form part of any contract at this stage. Calculations and assumptions are provided to the best knowledge of RGP Consulting (UK)
Limited but cannot be guaranteed and may be subject to change. No liability will be accepted for any inaccuracies, changes or damages arising
out of or in connection with the use of information in this presentation.
All information regarding potential returns are examples only and are in no way guaranteed. The value of investments can fall as well as rise
and past performance is no guarantee of future performance. No advice is given as to the suitability of purchasing a 3PPS investment solution
and we strongly recommend the use of an independent authorised professional advisor who can advise you on finance, pensions and
investments. No tax advice is given and it is recommended that investors consult a tax specialist regarding their personal circumstances.
Any tax reliefs referred to are those currently applying, but levels and the basis of, as well as reliefs from, taxation are subject to change. Their
value depends on the individual circumstances of the investor. Before transferring a pension you should ascertain whether any penalties will
apply and carefully consider the overall impact of any investment you make.
The materials and information contained herein do not constitute an offer or a solicitation of an offer for the purchase or sale of any securities
in RGP Consulting (UK) Limited or any of its affiliates. Although this information was believed to be accurate as of the date prepared by RGP
Consulting (UK) Limited or its affiliates, RGP Consulting (UK) Limited and its affiliates disclaim any duty or obligation to update such
information. This information is not intended to make any investment representations about RGP Consulting (UK) Limited or its affiliates and
should not be viewed as such.
No representation or warranty is made by RGP Consulting (UK) Limited about the accuracy, reliability or suitability of the information, material,
systems, services or products contained or discussed herein.
RGP Consulting (UK) Limited, 5 Phoenix House, Hastingwood Road, Hastingwood, Essex CM17 9JT
Registered in England & Wales number 6529747.
RGP Consulting (UK) Ltd is an Appointed Representative of Eden Associates, which is authorised and regulated by the Financial Services
Authority. Eden Associates’ FSA Register number is 459616. The FSA register can be found at www.fsa.gov.uk/register/.
IMPORTANT NOTICE
Editor's Notes
To understand what needs to change, we need to understand the issues
We have to establish the hard facts – and ask the tough questions
Has legislation actually delivered improvements?
Has technology improved things?
Have lower charges delivered greater benefits?
Have investment decisions worked?
We have quizzed experts from the biggest investment firms, the largest advisor firms and the biggest insurance companies and the harsh reality is that despite investing millions in technology, lower charges and wider investment choices, everyone agreed that it has been impossible to secure financial freedom with a main stream savings solution.
What is there on the horizon? We just saw more of the same. Advisors can not be blamed, they are only as good as the solutions available. The reality is that tougher legislation has created more complex solutions and whilst the standard of advice undoubtedly had to improved, the investment performance in the collective markets has failed.
Saving for retirement has become so complicated that even given the best tax incentives (for the time being anyway), few consumers actually choose a pension as the preferred way to save for retirement, why is that?
Trust has gone, and the previous government in the end acted purposefully to restrict where 80% of the population would be happy to invest, ignoring the wishes of the saver and protected the interest of the saving community. The Government has to listen to what the consumer wants, not what the savings industry tells them what they want.
In our opinion its time to put the consumers wishes first.
Over the last 5 years, we have invested unrivalled amounts of time into establishing key trends and averages.
We have analysed key data from one of the UK’s largest providers of pensions in the UK.
Market averages are a good place to start formulating a new strategy to win back the trust of consumers.
First we gathered an expert understanding of the averages, then we listened to what consumers want, then we applied legislation considerations and finally after all that, and last of all we tried to find a way of creating a robust commercial business model that ensured all interested parties could benefit.
So what were the key points we considered?
We know for example that on average, a minimum of £3,025 will be paid by an employer towards a qualifying NOISNEP individual.
We know for example that we expect 1 in 4 qualifying people to have existing pension benefits worth £55,000 or more.
We know that on average we expect 1 in 2 people earning £55,000+ will either be entitled to a current employer contribution or benefited from one in the past.
We know that on average, the unexpired term to NRD is nearly 23 years,
And finally, because investment performance has failed to deliver and contributions are far lower than realistically needed, we also expect that many will have to extend their working lives until much later and still face an income that is far below their preferred minimum level.
When we asked our clients and advisors what level of income would be preferred, we established that all things being equal, no mortgage and all other major debts repaid, most individuals would be very happy with an income of 50% of previous working salary.
Based on long term performance of 7% and the average contributions of 8.5% for 23 years, coupled with existing pension value of £55,000 the average pension plan will provide between 20% to 35% of previous working income.
As a result we have targeted 25% of income through 5 maximum pension contributions to be delivered after a total 25 year investment programme.
We could have aimed higher, however, the reality is that individuals we dont think will ever choose a pension contribution over a mortgage payment, no matter how good the tax incentive may be. So affordability is also critical, we simply have to deliver better value for money than in the past, whilst also addressing other major consumer reasons for not saving.
And last but not least, we also have to factor in the possibilities of consumer defaults, for whatever reason, without destroying the possibility of receiving a decent income, even if later than planned originally.
The industry has fixated on charges, investment performance, poor administration, lack of technology, but changes in legislation has brought about the biggest changes leading to providers merging or withdrawing.
However, has any of the last two decades of ‘improvements’ through restructuring actually worked?
The graph below shows that on face value improvements by providers could have added as much as a third better pension, however, the reality is that few plans last 20 years. In fact analysis indicates that turnover is approximately 20%+ at best, with the average policy remaining in force for less than 3 years.
Talk to employers and recruitment firms and you’ll be lucky to see an average higher than 5 years.
So have all the millions spent by providers really benefited anyone?
Remove all the hype and focus on the reality of ten years zero performance, combined with the turnover statistics and you don’t have to be a rocket scientist to establish that the government has had a pretty atrocious return for providing the most generous tax relief system.
The consumer is also aware that the returns have been appalling and all the negative press sentiment aimed at the pension sector is in our opinion wholly justified on this performance.
It is simply unfair that poor performance of this kind is still rewarded with investment houses and advisors continuing to earn millions in fees when the results are unacceptable.
It is understandable why the consumer thinks all advisors and pension companies are greedy.
It is time to focus on the real issues and commit to fairer terms.
By analysing the trends and re-focusing on the main issues we can ensure that any revised strategy targets ways to improve the savings experience for investors.
The industry has focused on charges and whilst they clearly will add value, on average they deliver the least impact than other factor.
Investment performance justifications have also factored in all recommendations, however, asset allocations are proven to add between 80%-90% and to our knowledge we have yet to find a single investment house that achieved consistent above average performance against it’s peers on one fund, let alone the full range of unit linked funds it offers, so this too is a red herring.
The biggest influencer is how much is contributed and how long it is invested for. In other words pay in as much as possible as soon as possible and the rest will take care of itself.
But knowing all this information still won’t cut it with the consumer, largely it doesn’t matter who your pension is with, over a decade of failures have meant that property has been the easy winner over pension, even taking into account the recent turmoil.
Taking everything into account, whilst it’s clear that changes have to be made, coming up with viable commercial proposition will take something extremely special.
Noisnep is the UK’s 1st 3rd party pension sponsor – providing pension funding in reverse. For the first time ever, investors will only pay for investment returns once they have been delivered.
We will do this by providing the capital to make pension contributions through interest free loans.
The NOISNEP Investment Strategy targets 25% of working income, the average anticipated shortfall in pension income for qualifying investors.
The strategy reduces risk to the lowest possible levels for the consumer and provides an unrivalled risk/reward investment package.
We will commit to fixed investment returns at outset and should our investment strategy fail, there will be no comeback on the investor as our own capital is the principle used at outset along with the tax relief that would otherwise just have been a tax liability.
Also in a UK first, NOISNEP will not apply any investment charges until we deliver on the investment promises we make at outset. A commitment that no other investment firm to our knowledge is prepared to make.
And last but by no means least, by providing the capital to make long term pension provision, investors and their advisors have no restrictions on where or how investors save to repay us, with ISA’s being the obvious tax efficient vehicle of choice.
This next section provides some more detail on how the investment strategy works.
Noisnep is the UK’s 1st 3rd party pension sponsor – providing pension funding in reverse. For the first time ever, investors will only pay for investment returns once they have been delivered.
We will do this by providing the capital to make pension contributions through interest free loans.
The NOISNEP Investment Strategy targets 25% of working income, the average anticipated shortfall in pension income for qualifying investors.
The strategy reduces risk to the lowest possible levels for the consumer and provides an unrivalled risk/reward investment package.
We will commit to fixed investment returns at outset and should our investment strategy fail, there will be no comeback on the investor as our own capital is the principle used at outset along with the tax relief that would otherwise just have been a tax liability.
Also in a UK first, NOISNEP will not apply any investment charges until we deliver on the investment promises we make at outset. A commitment that no other investment firm to our knowledge is prepared to make.
And last but by no means least, by providing the capital to make long term pension provision, investors and their advisors have no restrictions on where or how investors save to repay us, with ISA’s being the obvious tax efficient vehicle of choice.
This next section provides some more detail on how the investment strategy works.
Noisnep is the UK’s 1st 3rd party pension sponsor – providing pension funding in reverse. For the first time ever, investors will only pay for investment returns once they have been delivered.
We will do this by providing the capital to make pension contributions through interest free loans.
The NOISNEP Investment Strategy targets 25% of working income, the average anticipated shortfall in pension income for qualifying investors.
The strategy reduces risk to the lowest possible levels for the consumer and provides an unrivalled risk/reward investment package.
We will commit to fixed investment returns at outset and should our investment strategy fail, there will be no comeback on the investor as our own capital is the principle used at outset along with the tax relief that would otherwise just have been a tax liability.
Also in a UK first, NOISNEP will not apply any investment charges until we deliver on the investment promises we make at outset. A commitment that no other investment firm to our knowledge is prepared to make.
And last but by no means least, by providing the capital to make long term pension provision, investors and their advisors have no restrictions on where or how investors save to repay us, with ISA’s being the obvious tax efficient vehicle of choice.
This next section provides some more detail on how the investment strategy works.
Noisnep is the UK’s 1st 3rd party pension sponsor – providing pension funding in reverse. For the first time ever, investors will only pay for investment returns once they have been delivered.
We will do this by providing the capital to make pension contributions through interest free loans.
The NOISNEP Investment Strategy targets 25% of working income, the average anticipated shortfall in pension income for qualifying investors.
The strategy reduces risk to the lowest possible levels for the consumer and provides an unrivalled risk/reward investment package.
We will commit to fixed investment returns at outset and should our investment strategy fail, there will be no comeback on the investor as our own capital is the principle used at outset along with the tax relief that would otherwise just have been a tax liability.
Also in a UK first, NOISNEP will not apply any investment charges until we deliver on the investment promises we make at outset. A commitment that no other investment firm to our knowledge is prepared to make.
And last but by no means least, by providing the capital to make long term pension provision, investors and their advisors have no restrictions on where or how investors save to repay us, with ISA’s being the obvious tax efficient vehicle of choice.
This next section provides some more detail on how the investment strategy works.
Noisnep is the UK’s 1st 3rd party pension sponsor – providing pension funding in reverse. For the first time ever, investors will only pay for investment returns once they have been delivered.
We will do this by providing the capital to make pension contributions through interest free loans.
The NOISNEP Investment Strategy targets 25% of working income, the average anticipated shortfall in pension income for qualifying investors.
The strategy reduces risk to the lowest possible levels for the consumer and provides an unrivalled risk/reward investment package.
We will commit to fixed investment returns at outset and should our investment strategy fail, there will be no comeback on the investor as our own capital is the principle used at outset along with the tax relief that would otherwise just have been a tax liability.
Also in a UK first, NOISNEP will not apply any investment charges until we deliver on the investment promises we make at outset. A commitment that no other investment firm to our knowledge is prepared to make.
And last but by no means least, by providing the capital to make long term pension provision, investors and their advisors have no restrictions on where or how investors save to repay us, with ISA’s being the obvious tax efficient vehicle of choice.
This next section provides some more detail on how the investment strategy works.