Retirement Income Planning

Our wealth management was built upon the principles of expert advice, professional objectivity, a dedicated approach to client service, and financial solutions tailored to the specific needs of our clients.

Our wealth management has the capabilities, experience, and outstanding knowledge to help boost your earnings potential and invest for income generation. The best way to meet this challenge is to make the most of your savings. That means maximizing the cash flow from your investments and at the same time, preserving the value of your capital.

We can aid you in cultivating an investment tactic for retirement income generation, carry out the significant transactions, and guarantee that you remain on the right direction so that if your condition changes, your income arrangements change too.

Factors to be considered:

• Income sources, tax rates, and allowances
• Financial targets
• Immediate and ongoing income requirements
• Education costs for your children or grandchildren
• Current or anticipated care fees
• Estimated amount that you will need to fund your retirement

Products you can use when structuring your income:

• Annuities
  
  An annuity is an arrangement wherein you make a lump sum investment so that you will receive a guaranteed regular income for the rest of your life. We can assist in purchasing the suitable annuity for you. This is essential because once you have decided on the setup, it cannot be changed anymore.
• Pension Income Drawdown
  
  Permits you to postpone buying an annuity and still enjoy a regular income from your pension fund. You can draw income through "Unsecured Pension" (under 75 years old) or "Alternatively Secured Pension" (over 75 years old).
• Investment Bonds
  
  Investment bonds provide you another option to maximize your retirement income as well as offer significant tax benefits depending on the type of bond you choose.