Ten years from pension age
•Download as PPT, PDF•
0 likes•261 views
The document discusses factors to consider when planning pension investments over a 10 year period such as contribution levels, asset classes, default funds, risk tolerance, and example investment strategies. It addresses what level of pension fund is required based on contribution levels and investment performance, the basic asset classes, what a default fund is, how to manage attitude to risk, and provides examples of high, medium, low, and personalized risk investment strategies for a 10 year period.
Report
Share
Report
Share
Recommended
Interest on deposit in kazakhstan 14 percent per year
Keeping some cash in savings is important for emergencies and short-term goals, especially with expected higher market volatility in 2017. One option is depositing funds in Kazakhstan, which offers 14% annual interest on deposits of $5,000 or more held for 12 months. The deposit terms include automatic renewal, monthly interest payments, and no withdrawal penalties as long as the minimum balance is maintained. Contacting the provided email can provide more information and help with the paperwork for opening an account.
Interest Why Engineers should know ?
The money returned to the owners of capital for use of their capital.
Compound interest is the result of reinvesting interest, rather than paying it out.
Quotation of interest rates
Time money
1) Time value of money concepts mean that money invested today can earn interest and grow to a larger amount in the future. These concepts are useful for valuing assets and liabilities. Interest is the amount paid or received above the principal amount lent or borrowed.
2) Compound interest includes interest not only on the initial investment but also on the accumulated interest from previous periods. For example, if $1,000 is deposited at 6% annual interest compounded annually, the balance will be $1,191.02 after three years.
3) Present value is today's equivalent value of a future amount. To calculate the present value, take the future value and divide it by one plus the interest rate raised
Education and Weekly Median Earnings 2010
The document shows median weekly earnings by education level from 11 years (no high school diploma) to 22 years (doctorate degree). It finds a strong positive correlation between years of education and earnings, with earnings increasing by an average of $108.63 for each additional year of school. Based on a linear regression model, the more education one attains, the higher their median weekly earnings generally are.
Brokencompass
The financial world has fundamentally changed and simply staying the course may cause investors to fall behind. An assessment of one's current portfolio and plan can help get investors back on track and adapt to new realities by mitigating risks and leveraging opportunities ahead. The author offers to help with an honest evaluation to ensure plans recognize changed conditions.
WCM Gold Investment Presentation In English
The document promotes an investment in GOLD through World Capital Mutual. It claims they can offer a guaranteed 10% monthly return on a minimum $100,000 investment. The investment is said to be risk-free as capital is protected and the account can be liquidated anytime. It argues that gold increases in value during economic turmoil when currencies devalue and acts as a safe haven investment unlike stocks, bonds, or real estate. World Capital Mutual controls gold mining operations and buys gold at deep discounts, generating returns by selling to refineries.
Tov
This document discusses time value of money concepts including compounding, discounting, and present/future value calculations. It provides examples of calculating future value over multiple time periods when interest is compounded annually and quarterly. It also discusses effective interest rates for multi-period compounding and provides a simple interest example for calculating accumulated interest over 5 years.
Macro 7
This document discusses macroeconomic concepts including savers, lenders, borrowers, and the money market. It provides examples of IOUs at different interest rates and a bond that pays coupons. It explains that bond prices and interest rates move in opposite directions. The document also covers leverage, different leverage ratios, and examples of how leverage can double profits but also lead to losses or bankruptcy depending on market conditions. Additional concepts discussed include opportunity cost, comparative advantage, demand, price controls, GDP, time preference, financial intermediaries, and worldviews.
Recommended
Interest on deposit in kazakhstan 14 percent per year
Keeping some cash in savings is important for emergencies and short-term goals, especially with expected higher market volatility in 2017. One option is depositing funds in Kazakhstan, which offers 14% annual interest on deposits of $5,000 or more held for 12 months. The deposit terms include automatic renewal, monthly interest payments, and no withdrawal penalties as long as the minimum balance is maintained. Contacting the provided email can provide more information and help with the paperwork for opening an account.
Interest Why Engineers should know ?
The money returned to the owners of capital for use of their capital.
Compound interest is the result of reinvesting interest, rather than paying it out.
Quotation of interest rates
Time money
1) Time value of money concepts mean that money invested today can earn interest and grow to a larger amount in the future. These concepts are useful for valuing assets and liabilities. Interest is the amount paid or received above the principal amount lent or borrowed.
2) Compound interest includes interest not only on the initial investment but also on the accumulated interest from previous periods. For example, if $1,000 is deposited at 6% annual interest compounded annually, the balance will be $1,191.02 after three years.
3) Present value is today's equivalent value of a future amount. To calculate the present value, take the future value and divide it by one plus the interest rate raised
Education and Weekly Median Earnings 2010
The document shows median weekly earnings by education level from 11 years (no high school diploma) to 22 years (doctorate degree). It finds a strong positive correlation between years of education and earnings, with earnings increasing by an average of $108.63 for each additional year of school. Based on a linear regression model, the more education one attains, the higher their median weekly earnings generally are.
Brokencompass
The financial world has fundamentally changed and simply staying the course may cause investors to fall behind. An assessment of one's current portfolio and plan can help get investors back on track and adapt to new realities by mitigating risks and leveraging opportunities ahead. The author offers to help with an honest evaluation to ensure plans recognize changed conditions.
WCM Gold Investment Presentation In English
The document promotes an investment in GOLD through World Capital Mutual. It claims they can offer a guaranteed 10% monthly return on a minimum $100,000 investment. The investment is said to be risk-free as capital is protected and the account can be liquidated anytime. It argues that gold increases in value during economic turmoil when currencies devalue and acts as a safe haven investment unlike stocks, bonds, or real estate. World Capital Mutual controls gold mining operations and buys gold at deep discounts, generating returns by selling to refineries.
Tov
This document discusses time value of money concepts including compounding, discounting, and present/future value calculations. It provides examples of calculating future value over multiple time periods when interest is compounded annually and quarterly. It also discusses effective interest rates for multi-period compounding and provides a simple interest example for calculating accumulated interest over 5 years.
Macro 7
This document discusses macroeconomic concepts including savers, lenders, borrowers, and the money market. It provides examples of IOUs at different interest rates and a bond that pays coupons. It explains that bond prices and interest rates move in opposite directions. The document also covers leverage, different leverage ratios, and examples of how leverage can double profits but also lead to losses or bankruptcy depending on market conditions. Additional concepts discussed include opportunity cost, comparative advantage, demand, price controls, GDP, time preference, financial intermediaries, and worldviews.
Five years from pension age
This document provides an overview of pension options for someone who is five years away from retirement age. It discusses reviewing investment strategies and transitioning to annuities, income drawdown, or capital withdrawal to receive income in retirement. The various sections cover contributions, asset classes, annuity types, how drawdown works, tax rules for withdrawals, and estimating retirement income and expenses.
Do's and Don'ts For UK Pension Transfer
- The document discusses the dos and don'ts of transferring UK pensions for expats. It advises seeking advice from a licensed financial advisor and getting a transfer value analysis. Some key dos include considering retirement options and the financial position of the old pension scheme. Don'ts include transferring from active employer schemes or public sector schemes due to guaranteed benefits that may be hard to match. It also cautions against transferring small pots or those close to retirement.
Pensions
Here are the key additional factors that can affect a company's projected benefit obligation (PBO) for its pension plan:
- Liability gains or losses from changes in actuarial assumptions like the discount rate or expected salary growth rate.
- Changes to the pension contract that sweeten or enhance benefits, which increase the PBO.
- Changes to the pension contract that sour or reduce benefits, which decrease the PBO.
These additional factors relate to changes in the actuarial assumptions underlying the pension liability calculation or modifications to the contractual pension benefits owed to employees. They provide sources of increases or decreases to the PBO beyond the normal ongoing service cost and interest cost factors.
Pension Reform: Contact Your Council Member
The city of Memphis has a large unfunded pension liability of $709 million. The current pension system is no longer affordable and has not been sustainable for years. If changes are not made, pension costs will consume more of the city's budget, leaving less money for important services. The document proposes switching city employees to a defined contribution plan similar to a 401(k). This would make the pension system affordable for both employees and taxpayers by eliminating unfunded liabilities and ensuring funds are available for retirees. Polls show most Memphians support reforms to the current pension system.
Current State of UK Pension
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
NATIONAL PENSION SCHEME-INDIA
1) The National Pension Scheme (NPS) is India's efficient contribution-based pension system that aims to provide income during old age, safe market returns over the long term, and extend pension coverage to all citizens.
2) All Indian citizens between 18-60 years can invest in NPS through individual accounts or jobs with the central/state governments or corporations. The minimum contribution is Rs. 500 per transaction and Rs. 6,000 annually.
3) Investors can choose between active funds selecting equity, debt, or fixed income allocations, or let their portfolio automatically adjust based on their age through a lifecycle fund option.
Neil Gardner The Pension Changes of 2015
The main change of the new pension changes of April 2015 is that savers over age 55 now have more flexibility in how they access their pension savings. They can now take multiple smaller lump sums from their pension pot, with 25% of each sum being tax-free. This provides advantages over taking one large lump sum payment, which would result in a much larger tax bill. The new rules give savers more options to structure withdrawals in a more tax-efficient way compared to previous requirements to purchase an annuity.
Understanding Modelling And Defined Benefit Pension Risk
The document discusses understanding, modeling, and managing risks for defined benefit pension funds. It outlines key concepts like measuring a pension fund's health using funding ratios, the different stages a fund may go through, and major risks like interest rates and longevity. The presentation also covers stress testing funds, balancing contribution rates and investment returns, and using a single framework to manage risks and monitor key performance indicators over time.
How To Be Your Own Financial Planner?
How to be your own Financial Planner?
Think a little, Things will be easier later on.
This Presentation is to support our readers by providing them with a road map to make right choices today for achieving bigger goals tomorrow.
savings.ppt
Saving regularly, even small amounts, and allowing interest to compound over many years is the key to becoming a millionaire through investing. The document recommends starting a savings plan as early as possible, ideally in one's 20s, and contributing regularly to take advantage of compound interest. It describes different investment vehicles like savings accounts, CDs, bonds, stocks and mutual funds, and notes the average annual returns and risks associated with each. The main message is that diversifying investments and maintaining a long-term perspective are important for achieving financial goals.
Investor Real Estate Workshops | Wealth Migrate | May 2017
Wealth Migrate hosted national Real Estate Investor Days, an opportunity for investors to get to know the company in more detail, gain more knowledge about how Wealth Migrate is disrupting this industry and discover how you can become a global real estate investor and invest like the millionaires do. We have customised our program to suit your needs:
PROGRAM OUTLINE FOR THE DAY:
09h00 – 12h00 How to create a global real estate investment workshop, hosted by Scott Picken (CEO of Wealth Migrate)
What was covered:
- The principles of investing
- The difference between income and growth investments
- The single biggest mistake most people make when approaching the real estate market
- What is a portfolio strategy?
- How due diligence comes into play
- How to overcome fear of failure and manage risk?
- The best real estate sectors that will earn you above average returns
- How to invest in buy to let apartments/developments, without having to buy an actual apartment
- How real estate can help you become a citizen in another country
- The difference between REITS & the way Wealth Migrate invests
- How can I start investing, creating and preserving wealth through property, from as little as R1000, both locally and internationally?
- How to use real estate to get citizenship overseas
- We share the secrets and strategies successful real estate investors use.
#realestate #wealthmigrate #crowdfunding #realestatecrowdfunding #IPS #wealthmovement #empoweryourself #fintech
Understanding Investments
I put together this "Investing 101" presentation for my team of marketing/media/advertising professionals to encourage 401k participation and explain the importance of savings, retirement and financial health.
Investing and Personal Financial Planning.pptx
People invest for several key reasons: to achieve financial security for retirement since Social Security may not be sufficient, to keep up with inflation, gain financial freedom, and have their money working for them rather than constantly working. Common goals for investing include having a desired lifestyle, taking care of family, feeling secure and independent, reducing stress, and purchasing luxuries. When planning investments, it is important to consider financial independence metrics like cash flow and net worth, understand different investment risks and risk tolerance, identify future needs while accounting for inflation, and create a long-term savings and investment strategy.
Investment Property Financing
The document provides information on how to get bank approval for investment property financing by focusing on debt servicing. It discusses factors that affect debt servicing calculations like income, expenses, existing property ownership, down payments, and amortization periods. It emphasizes building a team of experts and understanding lender guidelines to structure financing that works with a borrower's long term investment goals. Contact information is provided for Geoff Lee who can help navigate investment property financing.
Financial Literacy Teaching Plan
Here is a sample monthly budget for the family:
Income: Rs. 20,000
Expenses:
Rent: Rs. 4,000
EMIs/Loans: Rs. 5,000
Food: Rs. 6,000
Utilities (electricity, water, etc.): Rs. 2,000
Mobile/internet: Rs. 1,000
Transport: Rs. 1,000
Education/tuition: Rs. 1,000
Total Expenses: Rs. 20,000
Savings: Rs. 0
This budget allocates the entire monthly income to essential expenses like rent, loans, food, utilities etc. leaving no room for discretionary spending or savings. The
What is superannuation?
Superannuation is a tax effective means of saving for retirement. Be aware of the types of superannuation accounts, tax rates within superannuation and other benefits
Financial_Planning_for_Young_Investors.ppt
This document provides an overview of financial planning for executives. It discusses the need for financial education due to complex financial products and deteriorating personal finances. The document outlines an agenda for financial planning topics including goals, risk vs return, compounding, inflation, savings vs investments, and various financial products. It defines financial planning as a process to help investors reach their desired financial position. Key aspects of the planning process include identifying goals, income/expenses, gaps, and preparing a plan to bridge gaps.
Roadmap to Retirement
Are you thinking about retirement? Understand your retirement income and estate planning options with this Roadmap to Retirement presentation by Greg Stevens, CFP, Senior Wealth Advisor, and Tom Vautin, Senior Financial Planner, of Cabot Wealth Management.
Smart Directions | Bonds & Annuities | March 17, 2016
This document provides information about annuities and bonds. It defines annuities as investments that convert a lump sum into a stream of monthly income for a fixed period or lifetime. It describes different types of annuities including single premium deferred annuities, single premium immediate annuities, variable annuities, and index annuities. It also defines bonds as traded loans that provide predictable income and discusses types of bonds as well as risks associated with bond investments like interest rate risk and default risk.
Financial Planning
Financial planning is the process of managing finances to meet life goals like buying a home or saving for retirement. It involves insurance, investment, tax, retirement, and estate planning. Financial planning is important due to factors like inflation, rising life expectancy, and uncertainty. Insurance planning helps minimize risks to assets and income from early death, disability, or other factors. Investment planning involves evaluating risk tolerance, allocating assets appropriately among short, medium, and long-term holdings, and accumulating wealth through systematic investing and regular portfolio reviews.
Demystifying Annuities
This slide show is a primer about annuities and how they function. It has been reduced to its simplest terms. ENJOY!
Agewage conference statements, charges and value - 22.10.21
The document discusses research conducted on how pension savers in the UK view costs and charges related to their pensions. Some key findings include:
- Most savers were unaware they paid charges and fees for their pensions. However, they were not surprised to learn this.
- Savers want costs presented simply and consistently across providers, in pounds and pence rather than percentages.
- Transparency around what savers pay is important to build trust. Not disclosing charges could make a provider seem untrustworthy.
- Overall, savers care more about the total value and retirement income from their pension over the years rather than just the lowest costs.
More Related Content
Viewers also liked
Five years from pension age
This document provides an overview of pension options for someone who is five years away from retirement age. It discusses reviewing investment strategies and transitioning to annuities, income drawdown, or capital withdrawal to receive income in retirement. The various sections cover contributions, asset classes, annuity types, how drawdown works, tax rules for withdrawals, and estimating retirement income and expenses.
Do's and Don'ts For UK Pension Transfer
- The document discusses the dos and don'ts of transferring UK pensions for expats. It advises seeking advice from a licensed financial advisor and getting a transfer value analysis. Some key dos include considering retirement options and the financial position of the old pension scheme. Don'ts include transferring from active employer schemes or public sector schemes due to guaranteed benefits that may be hard to match. It also cautions against transferring small pots or those close to retirement.
Pensions
Here are the key additional factors that can affect a company's projected benefit obligation (PBO) for its pension plan:
- Liability gains or losses from changes in actuarial assumptions like the discount rate or expected salary growth rate.
- Changes to the pension contract that sweeten or enhance benefits, which increase the PBO.
- Changes to the pension contract that sour or reduce benefits, which decrease the PBO.
These additional factors relate to changes in the actuarial assumptions underlying the pension liability calculation or modifications to the contractual pension benefits owed to employees. They provide sources of increases or decreases to the PBO beyond the normal ongoing service cost and interest cost factors.
Pension Reform: Contact Your Council Member
The city of Memphis has a large unfunded pension liability of $709 million. The current pension system is no longer affordable and has not been sustainable for years. If changes are not made, pension costs will consume more of the city's budget, leaving less money for important services. The document proposes switching city employees to a defined contribution plan similar to a 401(k). This would make the pension system affordable for both employees and taxpayers by eliminating unfunded liabilities and ensuring funds are available for retirees. Polls show most Memphians support reforms to the current pension system.
Current State of UK Pension
The document summarizes the current pension crisis in the UK. It states that 80% of company pension schemes are now underfunded, which means retirees may receive less than expected. It also notes that over 1,000 pension schemes have collapsed due to company failures or unsustainable funding levels. Several factors contributed to the crisis, including the 2008 financial crisis, increased life expectancies, and lack of policies to address growing funding deficits. The crisis has major implications for both current and future retirees' expected pension incomes and standards of living.
NATIONAL PENSION SCHEME-INDIA
1) The National Pension Scheme (NPS) is India's efficient contribution-based pension system that aims to provide income during old age, safe market returns over the long term, and extend pension coverage to all citizens.
2) All Indian citizens between 18-60 years can invest in NPS through individual accounts or jobs with the central/state governments or corporations. The minimum contribution is Rs. 500 per transaction and Rs. 6,000 annually.
3) Investors can choose between active funds selecting equity, debt, or fixed income allocations, or let their portfolio automatically adjust based on their age through a lifecycle fund option.
Neil Gardner The Pension Changes of 2015
The main change of the new pension changes of April 2015 is that savers over age 55 now have more flexibility in how they access their pension savings. They can now take multiple smaller lump sums from their pension pot, with 25% of each sum being tax-free. This provides advantages over taking one large lump sum payment, which would result in a much larger tax bill. The new rules give savers more options to structure withdrawals in a more tax-efficient way compared to previous requirements to purchase an annuity.
Understanding Modelling And Defined Benefit Pension Risk
The document discusses understanding, modeling, and managing risks for defined benefit pension funds. It outlines key concepts like measuring a pension fund's health using funding ratios, the different stages a fund may go through, and major risks like interest rates and longevity. The presentation also covers stress testing funds, balancing contribution rates and investment returns, and using a single framework to manage risks and monitor key performance indicators over time.
Viewers also liked (8)
Understanding Modelling And Defined Benefit Pension Risk
Understanding Modelling And Defined Benefit Pension Risk
Similar to Ten years from pension age
How To Be Your Own Financial Planner?
How to be your own Financial Planner?
Think a little, Things will be easier later on.
This Presentation is to support our readers by providing them with a road map to make right choices today for achieving bigger goals tomorrow.
savings.ppt
Saving regularly, even small amounts, and allowing interest to compound over many years is the key to becoming a millionaire through investing. The document recommends starting a savings plan as early as possible, ideally in one's 20s, and contributing regularly to take advantage of compound interest. It describes different investment vehicles like savings accounts, CDs, bonds, stocks and mutual funds, and notes the average annual returns and risks associated with each. The main message is that diversifying investments and maintaining a long-term perspective are important for achieving financial goals.
Investor Real Estate Workshops | Wealth Migrate | May 2017
Wealth Migrate hosted national Real Estate Investor Days, an opportunity for investors to get to know the company in more detail, gain more knowledge about how Wealth Migrate is disrupting this industry and discover how you can become a global real estate investor and invest like the millionaires do. We have customised our program to suit your needs:
PROGRAM OUTLINE FOR THE DAY:
09h00 – 12h00 How to create a global real estate investment workshop, hosted by Scott Picken (CEO of Wealth Migrate)
What was covered:
- The principles of investing
- The difference between income and growth investments
- The single biggest mistake most people make when approaching the real estate market
- What is a portfolio strategy?
- How due diligence comes into play
- How to overcome fear of failure and manage risk?
- The best real estate sectors that will earn you above average returns
- How to invest in buy to let apartments/developments, without having to buy an actual apartment
- How real estate can help you become a citizen in another country
- The difference between REITS & the way Wealth Migrate invests
- How can I start investing, creating and preserving wealth through property, from as little as R1000, both locally and internationally?
- How to use real estate to get citizenship overseas
- We share the secrets and strategies successful real estate investors use.
#realestate #wealthmigrate #crowdfunding #realestatecrowdfunding #IPS #wealthmovement #empoweryourself #fintech
Understanding Investments
I put together this "Investing 101" presentation for my team of marketing/media/advertising professionals to encourage 401k participation and explain the importance of savings, retirement and financial health.
Investing and Personal Financial Planning.pptx
People invest for several key reasons: to achieve financial security for retirement since Social Security may not be sufficient, to keep up with inflation, gain financial freedom, and have their money working for them rather than constantly working. Common goals for investing include having a desired lifestyle, taking care of family, feeling secure and independent, reducing stress, and purchasing luxuries. When planning investments, it is important to consider financial independence metrics like cash flow and net worth, understand different investment risks and risk tolerance, identify future needs while accounting for inflation, and create a long-term savings and investment strategy.
Investment Property Financing
The document provides information on how to get bank approval for investment property financing by focusing on debt servicing. It discusses factors that affect debt servicing calculations like income, expenses, existing property ownership, down payments, and amortization periods. It emphasizes building a team of experts and understanding lender guidelines to structure financing that works with a borrower's long term investment goals. Contact information is provided for Geoff Lee who can help navigate investment property financing.
Financial Literacy Teaching Plan
Here is a sample monthly budget for the family:
Income: Rs. 20,000
Expenses:
Rent: Rs. 4,000
EMIs/Loans: Rs. 5,000
Food: Rs. 6,000
Utilities (electricity, water, etc.): Rs. 2,000
Mobile/internet: Rs. 1,000
Transport: Rs. 1,000
Education/tuition: Rs. 1,000
Total Expenses: Rs. 20,000
Savings: Rs. 0
This budget allocates the entire monthly income to essential expenses like rent, loans, food, utilities etc. leaving no room for discretionary spending or savings. The
What is superannuation?
Superannuation is a tax effective means of saving for retirement. Be aware of the types of superannuation accounts, tax rates within superannuation and other benefits
Financial_Planning_for_Young_Investors.ppt
This document provides an overview of financial planning for executives. It discusses the need for financial education due to complex financial products and deteriorating personal finances. The document outlines an agenda for financial planning topics including goals, risk vs return, compounding, inflation, savings vs investments, and various financial products. It defines financial planning as a process to help investors reach their desired financial position. Key aspects of the planning process include identifying goals, income/expenses, gaps, and preparing a plan to bridge gaps.
Roadmap to Retirement
Are you thinking about retirement? Understand your retirement income and estate planning options with this Roadmap to Retirement presentation by Greg Stevens, CFP, Senior Wealth Advisor, and Tom Vautin, Senior Financial Planner, of Cabot Wealth Management.
Smart Directions | Bonds & Annuities | March 17, 2016
This document provides information about annuities and bonds. It defines annuities as investments that convert a lump sum into a stream of monthly income for a fixed period or lifetime. It describes different types of annuities including single premium deferred annuities, single premium immediate annuities, variable annuities, and index annuities. It also defines bonds as traded loans that provide predictable income and discusses types of bonds as well as risks associated with bond investments like interest rate risk and default risk.
Financial Planning
Financial planning is the process of managing finances to meet life goals like buying a home or saving for retirement. It involves insurance, investment, tax, retirement, and estate planning. Financial planning is important due to factors like inflation, rising life expectancy, and uncertainty. Insurance planning helps minimize risks to assets and income from early death, disability, or other factors. Investment planning involves evaluating risk tolerance, allocating assets appropriately among short, medium, and long-term holdings, and accumulating wealth through systematic investing and regular portfolio reviews.
Demystifying Annuities
This slide show is a primer about annuities and how they function. It has been reduced to its simplest terms. ENJOY!
Agewage conference statements, charges and value - 22.10.21
The document discusses research conducted on how pension savers in the UK view costs and charges related to their pensions. Some key findings include:
- Most savers were unaware they paid charges and fees for their pensions. However, they were not surprised to learn this.
- Savers want costs presented simply and consistently across providers, in pounds and pence rather than percentages.
- Transparency around what savers pay is important to build trust. Not disclosing charges could make a provider seem untrustworthy.
- Overall, savers care more about the total value and retirement income from their pension over the years rather than just the lowest costs.
Citizenship Bay - Citizenship By Investment
Citizenship Bay is a leading citizenship consultancy firm specializing in investment- based citizenship and residency for clients all over the world. Our citizenship and residency programs are globally accredited and highly reputable.
NPS NATIONAL PENSION SYSTEM PRESENTATION.pptx
The National Pension System (NPS) is a voluntary retirement savings scheme administered by the Pension Fund Regulatory and Development Authority (PFRDA). NPS was initially introduced for government employees in 2004 and was later expanded to all Indian citizens in 2009. NPS allows individuals to contribute until retirement between ages 18-65 and choose how their contributions are invested between different asset classes including equities, government securities, corporate bonds, and alternative investment funds. Contributions to NPS and returns enjoy significant tax benefits.
Investor Day Workshop May/June 2017
This document provides information about real estate investor workshops being held by Wealth Migrate in Midrand, Durban, and Cape Town on specific dates in May and June 2017. It includes disclaimers about the content shared at the workshops being for informational purposes only and not constituting financial advice. The document then discusses some of the top reasons people attend these workshops, which include learning about different investment options, diversifying assets, and hedging against currency risk. It also covers principles of investing like understanding macroeconomic factors, conducting due diligence on partners and risks, and managing assets. Overall, the document aims to educate attendees on real estate investment strategies and opportunities.
Real Estate Workshop | Robin Banks | Wealth Mastery | Wealth Migrate
The document summarizes key points from a real estate investor workshop, including:
1) The workshop discusses making global real estate investing accessible to average investors by removing middlemen and fees.
2) Traditional real estate investment structures have multiple layers of fees that dilute returns for individual investors.
3) Investing overseas provides advantages like wealth preservation, currency hedging, and diversification compared to local real estate markets.
4) However, most people who invest overseas lose money due to lack of proper due diligence, wrong partners, and failure to understand property cash flows and management. Risks must be carefully managed.
Financial Planning - Simplified
How manage money for salaried professionals, Investment Planning, Tax Planning and Insurance Planning
Make your money work for you!
This document provides information on making investments work for you through saving and investing regularly from an early age. It discusses starting small investments early in life to benefit from compound returns over time. The key is for investment returns to exceed inflation rates over the long run. Various low and high risk investment options are outlined including fixed deposits, mutual funds, real estate, and gold. The document emphasizes that while fixed deposits are safe, their returns may be outpaced by inflation, making higher-return investments like mutual funds more suitable for achieving long-term financial goals when invested in for periods of 3-5 years or more despite short-term volatility. It provides contact information for a financial planner to help readers develop an optimal investment strategy.
Similar to Ten years from pension age (20)
Investor Real Estate Workshops | Wealth Migrate | May 2017
Investor Real Estate Workshops | Wealth Migrate | May 2017
Smart Directions | Bonds & Annuities | March 17, 2016
Smart Directions | Bonds & Annuities | March 17, 2016
Agewage conference statements, charges and value - 22.10.21
Agewage conference statements, charges and value - 22.10.21
Real Estate Workshop | Robin Banks | Wealth Mastery | Wealth Migrate
Real Estate Workshop | Robin Banks | Wealth Mastery | Wealth Migrate
Recently uploaded
Governor Olli Rehn: Inflation down and recovery supported by interest rate cu...
Governor Olli Rehn
Bank of Finland
Press conference on the outlook for the Finnish economy
Helsinki, 11 June 2024
International Sustainability Standards Board
Issb standards
New standard for reporting sustainability on lines of tcfd
RMIT University degree offer diploma Transcript
澳洲RMIT毕业证书制作RMIT假文凭定制Q微168899991做RMIT留信网教留服认证海牙认证改RMIT成绩单GPA做RMIT假学位证假文凭高仿毕业证申请墨尔本皇家理工大学RMIT University degree offer diploma Transcript
快速办理(美国Fordham毕业证书)福德汉姆大学毕业证学历证书一模一样
学校原件一模一样【微信：741003700 】《(美国Fordham毕业证书)福德汉姆大学毕业证学历证书》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Machine Learning in Business - A power point presentation.pptx
Power point presentation on machine learning.
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightnessLabour Market Information Council | Conseil de l’information sur le marché du travail
In a tight labour market, job-seekers gain bargaining power and leverage it into greater job quality—at least, that’s the conventional wisdom.
Michael, LMIC Economist, presented findings that reveal a weakened relationship between labour market tightness and job quality indicators following the pandemic. Labour market tightness coincided with growth in real wages for only a portion of workers: those in low-wage jobs requiring little education. Several factors—including labour market composition, worker and employer behaviour, and labour market practices—have contributed to the absence of worker benefits. These will be investigated further in future work.Enhancing Asset Quality: Strategies for Financial Institutions
Ensuring robust asset quality is not just a mere aspect but a critical cornerstone for the stability and success of financial institutions worldwide. It serves as the bedrock upon which profitability is built and investor confidence is sustained. Therefore, in this presentation, we delve into a comprehensive exploration of strategies that can aid financial institutions in achieving and maintaining superior asset quality.
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...AntoniaOwensDetwiler
"Does Foreign Direct Investment Negatively Affect Preservation of Culture in the Global South? Case Studies in Thailand and Cambodia."
Do elements of globalization, such as Foreign Direct Investment (FDI), negatively affect the ability of countries in the Global South to preserve their culture? This research aims to answer this question by employing a cross-sectional comparative case study analysis utilizing methods of difference. Thailand and Cambodia are compared as they are in the same region and have a similar culture. The metric of difference between Thailand and Cambodia is their ability to preserve their culture. This ability is operationalized by their respective attitudes towards FDI; Thailand imposes stringent regulations and limitations on FDI while Cambodia does not hesitate to accept most FDI and imposes fewer limitations. The evidence from this study suggests that FDI from globally influential countries with high gross domestic products (GDPs) (e.g. China, U.S.) challenges the ability of countries with lower GDPs (e.g. Cambodia) to protect their culture. Furthermore, the ability, or lack thereof, of the receiving countries to protect their culture is amplified by the existence and implementation of restrictive FDI policies imposed by their governments.
My study abroad in Bali, Indonesia, inspired this research topic as I noticed how globalization is changing the culture of its people. I learned their language and way of life which helped me understand the beauty and importance of cultural preservation. I believe we could all benefit from learning new perspectives as they could help us ideate solutions to contemporary issues and empathize with others.快速制作美国迈阿密大学牛津分校毕业证文凭证书英文原版一模一样
原版一模一样【微信：741003700 】【美国迈阿密大学牛津分校毕业证文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Discover the Future of Dogecoin with Our Comprehensive Guidance
Learn in-depth about Dogecoin's trajectory and stay informed with 36crypto's essential and up-to-date information about the crypto space.
Our presentation delves into Dogecoin's potential future, exploring whether it's destined to skyrocket to the moon or face a downward spiral. In addition, it highlights invaluable insights. Don't miss out on this opportunity to enhance your crypto understanding!
https://36crypto.com/the-future-of-dogecoin-how-high-can-this-cryptocurrency-reach/
Economic Risk Factor Update: June 2024 [SlideShare]
May’s reports showed signs of continued economic growth, said Sam Millette, director, fixed income, in his latest Economic Risk Factor Update.
For more market updates, subscribe to The Independent Market Observer at https://blog.commonwealth.com/independent-market-observer.
Accounting Information Systems (AIS).pptx
An accounting information system (AIS) refers to tools and systems designed for the collection and display of accounting information so accountants and executives can make informed decisions.
Who Is Abhay Bhutada, MD of Poonawalla Fincorp
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.
Seeman_Fiintouch_LLP_Newsletter_Jun_2024.pdf
The Impact of the 2024 Indian
Election Beyond Borders
01. Investment Gyan
02. Market Update
03. Inspiration investment story
Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...Labour Market Information Council | Conseil de l’information sur le marché du travail
Vicinity Jobs’ data includes more than three million 2023 OJPs and thousands of skills. Most skills appear in less than 0.02% of job postings, so most postings rely on a small subset of commonly used terms, like teamwork.
Laura Adkins-Hackett, Economist, LMIC, and Sukriti Trehan, Data Scientist, LMIC, presented their research exploring trends in the skills listed in OJPs to develop a deeper understanding of in-demand skills. This research project uses pointwise mutual information and other methods to extract more information about common skills from the relationships between skills, occupations and regions.快速办理(RWTH毕业证书)德国亚琛工业大学毕业证录取通知书一模一样
原件一模一样【微信：bwp0011】《(RWTH毕业证书)德国亚琛工业大学毕业证》【微信：bwp0011】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问微bwp0011
【主营项目】
一.毕业证【微bwp0011】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【微bwp0011】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
快速办理(SMU毕业证书)南卫理公会大学毕业证毕业完成信一模一样
学校原件一模一样【微信：741003700 】《(SMU毕业证书)南卫理公会大学毕业证》【微信：741003700 】学位证，留信认证（真实可查，永久存档）原件一模一样纸张工艺/offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原。
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
【主营项目】
一.毕业证【q微741003700】成绩单、使馆认证、教育部认证、雅思托福成绩单、学生卡等！
二.真实使馆公证(即留学回国人员证明,不成功不收费)
三.真实教育部学历学位认证（教育部存档！教育部留服网站永久可查）
四.办理各国各大学文凭(一对一专业服务,可全程监控跟踪进度)
如果您处于以下几种情况：
◇在校期间，因各种原因未能顺利毕业……拿不到官方毕业证【q/微741003700】
◇面对父母的压力，希望尽快拿到；
◇不清楚认证流程以及材料该如何准备；
◇回国时间很长，忘记办理；
◇回国马上就要找工作，办给用人单位看；
◇企事业单位必须要求办理的
◇需要报考公务员、购买免税车、落转户口
◇申请留学生创业基金
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
高仿英国伦敦艺术大学毕业证（ual毕业证书）文凭证书原版一模一样
原版一模一样【微信：741003700 】【英国伦敦艺术大学毕业证（ual毕业证书）文凭证书】【微信：741003700 】学位证，留信认证（真实可查，永久存档）offer、雅思、外壳等材料/诚信可靠,可直接看成品样本，帮您解决无法毕业带来的各种难题！外壳，原版制作，诚信可靠，可直接看成品样本。行业标杆！精益求精，诚心合作，真诚制作！多年品质 ,按需精细制作，24小时接单,全套进口原装设备。十五年致力于帮助留学生解决难题，包您满意。
本公司拥有海外各大学样板无数，能完美还原海外各大学 Bachelor Diploma degree, Master Degree Diploma
1:1完美还原海外各大学毕业材料上的工艺：水印，阴影底纹，钢印LOGO烫金烫银，LOGO烫金烫银复合重叠。文字图案浮雕、激光镭射、紫外荧光、温感、复印防伪等防伪工艺。材料咨询办理、认证咨询办理请加学历顾问Q/微741003700
留信网认证的作用:
1:该专业认证可证明留学生真实身份
2:同时对留学生所学专业登记给予评定
3:国家专业人才认证中心颁发入库证书
4:这个认证书并且可以归档倒地方
5:凡事获得留信网入网的信息将会逐步更新到个人身份内，将在公安局网内查询个人身份证信息后，同步读取人才网入库信息
6:个人职称评审加20分
7:个人信誉贷款加10分
8:在国家人才网主办的国家网络招聘大会中纳入资料，供国家高端企业选择人才
Recently uploaded (20)
Governor Olli Rehn: Inflation down and recovery supported by interest rate cu...
Governor Olli Rehn: Inflation down and recovery supported by interest rate cu...
Machine Learning in Business - A power point presentation.pptx
Machine Learning in Business - A power point presentation.pptx
What's a worker’s market? Job quality and labour market tightness
What's a worker’s market? Job quality and labour market tightness
Enhancing Asset Quality: Strategies for Financial Institutions
Enhancing Asset Quality: Strategies for Financial Institutions
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Independent Study - College of Wooster Research (2023-2024) FDI, Culture, Glo...
Discover the Future of Dogecoin with Our Comprehensive Guidance
Discover the Future of Dogecoin with Our Comprehensive Guidance
Economic Risk Factor Update: June 2024 [SlideShare]
Economic Risk Factor Update: June 2024 [SlideShare]
Upanishads summary with explanations of each upnishad
Upanishads summary with explanations of each upnishad
Does teamwork really matter? Looking beyond the job posting to understand lab...
Does teamwork really matter? Looking beyond the job posting to understand lab...
Ten years from pension age
- 1. ten years from pension age What is a direct contribution pension? • contributions • tax relief • investment performance APN C O N S U L T I N G
- 2. ten years from pension age What level of pension fund is required? • what different contribution levels produce • what investment performance produces • the effect of time APN C O N S U L T I N G
- 3. ten years from pension age What are the basic asset classes? • cash • fixed interest • UK equities • overseas equities • property • commodities APN C O N S U L T I N G
- 4. ten years from pension age What is a default fund? • trustee directed • pension managed • lifestyle APN C O N S U L T I N G
- 5. ten years from pension age How to manage attitude to risk • what is ‘risk’ • time • security, access, income, tax, growth • know the asset APN C O N S U L T I N G
- 6. ten years from pension age Examples of 10 year investment strategies • high risk • medium risk • low risk • your risk APN C O N S U L T I N G
- 7. ten years from pension age Examples of 10 year investment strategies • high risk • medium risk • low risk • your risk APN C O N S U L T I N G