how do i start a personal pension
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How to start a personal pensionTRANSCRIPT
How do I start a Personal Pension?
Cornel Sampson BSc (Hons),Associate Partner
AISA International sroŠtítného 202/35,
130 00 PrahaOffice +420 222 361 850
Many people find the world of pensions pretty daunting and therefore put-off starting a pension. The truth is it's surprisingly simple and quick to do, and the sooner you start, the longer your money will be working for your retirement. A delay of just 2 years could reduce your annual retirement income by hundreds if not thousands of Euros - that's an extra holiday or two every year throughout your whole retirement.
We've put starting a pension into four very simple steps:
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How do I start a personal pension?
Step 1 - Choose a pension
If you are setting up a pension for the first time your adviser can help select a scheme that best fits your needs and circumstance. To-days products are very flexible allowing you to make monthly contributions by Credit Card, Bank Transfer or single contributions. Other great features include 1. 5% Loyalty Bonus on all Regular Premiums and Penalty-Free Partial Withdrawals.The application form takes just minutes to complete.
. The combination of low-costs, investment choice and flexibility is why these plans are the pension choice for most of our clients
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If you are aged between 19 next birthday and 70 next birthday at policy commencement you should be eligible to start a personal pension.
Step 2 - Check you're eligible
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This is a question many of our clients ask us. We can only give a generic answer here but in an ideal world you want to be contributing as much as you can.
Generally when our advisers sit down with a client they would encourage them to at a minimum divide their age by two and then contribute that amount as a percentage of their salary into a pension scheme.
For example if you are 30 you should consider contributing at least 15% of your salary. It may sound a lot, and it is not affordable for everyone but remember, to receive a basic pension income of just €20,000 a year, a male aged 65 would currently need a pension pot of approximately €300,000. You may also find our illustration guide help. It allows you to alter the contribution amounts to see how this impacts on your retirement income.
Step 3 - Decide how much to contribute
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Step 3 – cont. Decide how much to contribute
For example:If you are 30 you should consider contributing at least 15% of your salary. It may sound a lot, and it is not affordable for everyone but remember, to receive a basic pension income of just €20,000 a year, a male aged 65 would currently need a pension pot of approximately €300,000. You may also find our illustration guide a help. It allows you to alter the contribution amounts to see how this impacts on your retirement income.
We're confident you'll find the application form for the Personal Pension surprisingly quick to complete. Why not contact me now for a personal illustration? [email protected]
Step 4 - Apply
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Kevin O'Brien (client)Top qualities: Personable, Expert, High Integrity“I have worked with Cornel over the last year in a financial advisory capacity and would highly recommend him. Cornel has provided sound advice and has always been available to answer any questions I may have. He is also a very nice person to do business with.” September 13, 2010
Roland HeijneMember of the Board, Czech-Neth Business Support (business partner)“Cornel is a professional; very driven and customer focused, looking for the best options for his clients. Making him unique is the "service with a smile", showing that serious financial matters can very well be combined with an open and humoristicattitude. A partner to thrust and good company to discuss all the other things in life.”
Iztok Toplak (Client)Cornel is open minded advisor, that always comes with new creative ideas.” January 31, 2011
Recommendations from Network Members
Denis SuskoTop qualities: Personable, Expert, Creative“Cornel Sampson- is a name that I feel sure, we will hear spoken often in the Prague business community. Cornel is a unique person with EXCELLENT managing skills, patience, great sense of humour and creativity. I´d love to recommend Cornel and Aisa International to anyone! Cornel and the team have built strong and stable company inCzech Republic that offers great services and information to their clients. Their business strategy is very solid, safe and executed with the highest level of integrity. I learned so much from their informational seminar. I am proud to count Cornel as a friend.” June 20, 2010
Anna Tyulpanova, MBASpecial Projects and Client Relations, Aisa International (colleague)“Cornel is real professional in what he is doing. He takes care of his clients, providing with the most up to date information and helps to find right solution for every individual situation. He is high motivated hard working person, who always has new ideas of business development for the company.” June 22, 2010
Recommendations from Network Members
Ladislav Strojil (Client)Thanks to Cornel and Aisa I have been able to better manage my financials. He shared with me knowledge of financial opportunities and best practices. I have found Cornel to be very helpful and knowledgeable when dealing with him on many occasions for various aspects of services he provides. Cornel and the whole AISA team are extremely reliable and efficient with strong market knowledge. I would have no reservation in recommending Cornel and Aisa to anyone requiring financial advice, or just to see if there is any way that you could benefit.” February 8, 2011
Stuart Ramage (client)Stuart hired you as a Financial Advisor in 2009Top qualities: Personable, Expert, High Integrity“Personable, knowledgeable and always available for his clients. Cornel has great integrity and delivers results time and time again.” October 31, 2010
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Results that speak for themselves
Results that speak for themselves
Results that speak for themselves
The performance of this actual account is specific to this account only & should be used only as a guide or indication of the performance trend.
Note – the liquidation value represents the cost of fully exiting open positions and depositing funds to the investors account within 24 hrs
Figures supplied 24/01/2011 by Macquarie Bank on behalf of Lewis Charles Securities
Lewis Charles Securities Discretionary Managed AccountPlease find attached the latest performance update for the managed accounts.
Please remember that this is an actual investors trading account for £15,000 invested 21st June 2010
Each account will vary slightly depending on amount invested and date upon which trading commenced.
Contact me for a Free Illustration to see if we can help you
Cornel Sampson BSc (Hons),
Associate Partner
AISA International sro,
Štítného 202/35, Žižkov
Office +420 222 361 850
Mobile +420 776 331 128
[email protected] www.aisainternational.cz