Pension Income FundA solution to provide sustainable income in retirement
This idea came about after meeting with a client who had built a good pension pot but was unsure if it would last throughout retirement. When we looked at the numbers, we saw that relying only on drawdown or an annuity could leave them exposed to risk. The clear question was, how could they create steady income without running down their savings too quickly?
This is a concern shared by many people approaching retirement. They want the freedom to enjoy life, but also the reassurance that their money will last.
Through our network, we have developed a structured plan to turn pension savings into a reliable source of income. The same client became one of the first to adopt this Pension Income Fund and now feels more secure about their financial future.
Test Case
For many, pensions are the main source of retirement income. But with longer life expectancy, rising living costs, and uncertain markets, traditional solutions may not go far enough.
With a structured private financial agreement, capital can be committed in a way that generates returns. These returns provide regular income to support day-to-day living, while the original capital remains intact.
At the end of the agreed term, the original capital is returned—helping retirees maintain both income and wealth.
The Terms
The information provided below reflects our typical terms, including duration, entry level, and payment frequency. These are indicative and may vary depending on individual arrangements.
The Process
Step 1
Client engages with a member of the team to meet and discuss requirements.
Step 2
Once client goals are discussed, sign up paperwork is issued specific for the client.
Step 3
Once paperwork and client ID is filed, a private financial agreement is submitted.
Step 4
When the private financial agreement is completed client sends funds to Limited company account.
Step 5
Client funds are placed into the trade, and the client receives fixed quarterly payments throughout the twelve-month contract.