A Brighter Approach to Pensions

03333 224422     enquiries@policyone.co.uk

Welcome

Welcome to PolicyOne

We want to talk to disconcerted customers who are really concerned about what money they will have in retirement. If its important to you that your pension and cash savings are growing positively, we want to hear from you.

Our staff will work really hard to help marry you with the right regulated partners. We only refer customers to a select panel of IFA’s (Independent Financial Advisors), who can demonstrate an exemplary service. We are contracted to the IFA’s as a marketing and fulfilment company.

Our job is to find customers who are serious about improving their wealth and present authorities and supporting information to enable the IFA’s to produce their reports.

Service

We do not charge any fee for our service

Our partners will write off to The Department for Work and Pensions, to obtain a statement of exactly what the New State Pension and any additional state pension benefits or Pension credits you are entitled to. They will do the same on all your paid up or current pensions.

You will know exactly what you should expect as a retirement income and exactly where your money is invested. There is no charge for this service.

If there are changes you need to make, you can engage the IFA to make them on your behalf. You may be informed that there are no changes to make and the contracts you have you should keep. Either way you will be better informed which will give you peace of mind.

Why do I need to know?

So many pensions, (particularly ones taken out a while ago) can be uncompetitive on charges and not performing very well. The combined result could mean that when you come to retire, you may not have the income you need or want in retirement.

Interested in Fixed Rate ISAs?
 Click here for This is Money article on Corporate Bonds

Importantly, you will also understand if your current investments match your risk profile. We are informed that too many customers are over exposed to high risk or speculative equities (shares) within their current portfolios. This doesn’t match their current attitude to risk or position of nearing retirement. Your IFA may recommend a more cautious balance of investments better suited to your position but including fixed income growth.

With your cash savings, it may be you have an imbalance towards cash and could see better growth by readjusting this balance.

What you will find out

You will receive a detailed report and projection of your retirement benefits and recommendations of any required changes you should make.

What should I do now then?

Simply contact us by email or telephone and we will arrange for you to complete authority letters for each of your plans and get the process started. If you have been ill advised in the past, they will then discuss how you may be able to seek redress and compensation due.

If you have been ill advised in the past, they will then discuss how you may be able to seek redress and compensation due. It is so simple, contact us by email or telephone.

Click here to find out more »

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Once we have received your information, an adviser will be in touch with you


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Testimonials


Pensions News

From: The Spectator

After so many years of waiting for good news on pensions and savings, suddenly so much comes at once. Like the proverbial Number 13 buses, a whole raft of policies has all come at once – and they are good news. It’s also a brilliant Budget for Tory election prospects of course. The devil of some of this will be in the detail but overall this is just good news all round. And will even bring in more tax for the Chancellor short-term as pension lump sums will deliver higher tax revenue than taking small amounts of income or delaying annuity purchase…

» Read full story here

From: Moneysavingexpert

Labour is planning to turn its fire on pension companies which rip off their customers with excessive fees and charges. Party leader Ed Miliband describes overcharging on pensions as "the next chapter" in the scandals which have emerged in the financial services sector, and says he is "determined" to protect people who are seeing as much as half of their pension savings eaten up by fees…

» Read full story here

From: The Guardian

Government announces cap with effect from April 2015, a move that could spare savers fees worth up to £200m a year.

Fees for managing pension pots will be capped at 0.75% from next year, following concerns that rip-off charges have been eroding the value of savings.

Steve Webb, the Lib Dem pensions minister, said the government would put pension charges in a vice and keep squeezing until there was a "full standardised disclosure of all costs and changes".

The new 0.75% charge will apply to auto-enrolment pension schemes from April 2015, potentially saving the public £200m a year.…

» Read full story here

From: Retirement Supermarket

Poor return from pension funds and the abolition of tax incentives has created an environment where saving for retirement is appearing less and less appealing. That’s the view of a leading corporate accountancy company. As an example, a UK pension pot of £100,000 will create annual annuity payments of £7,000 a year – which is £2,000 less than in the year 2000.

» Read full story here

From: This Is Money

A radical relaxing of restrictive pension rules has handed complete freedom – or as some would see it, the burden of responsibility – over to people to decide how to manage their own money in retirement.

Millions saving into a workplace pension scheme will be able to access all of their savings from the age of 55 and with less tax to pay if they choose to do so.

This is a dramatic shift away from the traditional annuity – an insurance product bought with pension savings, which can provide a fixed income for life – towards self-management.

» Read full story here

From: This Is Money

Today, few of us stay in the same job from leaving school to when we retire. The result is that many people have lots of different pension pots. However, combining them could make real financial sense. Purse

Why move your pension?
The most obvious reason for moving a pension is to get better investment performance and lower charges to boost your retirement income. But there's a downside: you could get hit by exit penalties on your existing fund, pay over the odds for advice or be lured into a higher-charging product. And if you are close to retirement you might not have time to recoup the costs even if you do move to a better performing fund.

» Read full story here

About PolicyOne

PolicyOne Ltd is a marketing company. We are not financial advisors and do not give any financial advice to consumers. We introduce to a number of IFA firms and companies who are happy to discuss your current pensions and make appropriate recommendations. Each company is authorised and regulated by the Financial Conduct Authority. We are not authorised to give advice and we are not liable for any financial advice provided by or obtained through a third party. The information published on this website is for information purposes only.

Contact

PolicyOne Ltd
Suite W1, The Flint Glass Works
64 Jersey Street
Manchester
M4 6JW

 Email: enquiries@policyone.co.uk

Telephone: 03333 224422

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