NPI Pensions
NPI was formed nearly 200 years ago and they made their mark in the financial services industry; growing to become one of the leaders in retirement related products and services. However, today NPI are a member of The Phoenix Group, a closed company who only service existing policies.
Customers have reported a drop in the level of service from NPI, possibly resulting from the fact that since closing business to new policies, NPI no longer employ financial experts. This might not seem like a problem to you, but you wouldn’t employ an unqualified electrician to take a look at your existing electrics would you? I didn’t think so. You should treat your pension like any other product, and consult a qualified, professional specialist such as the independent financial advisers available at Pensionlite. Financial expertise is essential to have the ability to provide pension customer with the planning and maintenance that is associated with a pension. The financial market, legislation and regulations changes on a regular basis and can be quite complex, so it is particularly important that as a customer, you are receiving the correct advice. Also, as everyone’s situations and circumstances are different, it is important that your adviser is able to offer your customized information and advice, after all, you don’t want the same rehashed advice that everyone has received in the last 5 years. Only a qualified adviser will be able to offer you the tailored pension advice you are looking for.
Another of the reported issues with an NPI pension is the level of charges associated with their contracts, charges which appear to be unfairly high since trading ceased. Although this is possibly not the fault of NPI, they are now seen as a company who charge far higher than average. All the problems associated with NPI pensions have led to poor overall investment returns, and you can expect far higher returns from other modern pension providers.
If you hold an NPI pension, it would be highly recommended to seek professional pension advice and perhaps a review of your investments to discuss your options. Finding your perfect pension provider will allow you to feel secure in your retirement, and will ensure that your hard earned investment is working to its full potential. If you are nearing retirement and are considering taking your benefits from your NPI pension but are unsure about accepting an annuity offer, consider contacting a qualified independent pension adviser at Pensionlite.
Poor financial decisions can end up affecting the quality of your life during retirement, and so it is important that you receive the correct advice from a qualified pensions specialist as early as possible. Contact Pensionlite today to receive your no obligation quotation, and discuss your NPI pension and your options for retirement.
For more information just go to http://www.pensionlite.co.uk
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Many people are getting closer to considering an early retirement, or the state pension age and don’t know if they can afford the life they’ve always dreamed of. For more information just go to http://www.pensionlite.co.uk
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You may or may not be aware that anyone over 55 is entitled to, should they so desire, lift a tax-free lump sum of up to 25% of their pension fund. Pension release UK rules mean that you don’t even have to stop working in order to claim this cash.
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It is strongly recommended that you undertake a professional review of your finances so that you are aware of your options in the event of financial worry, whether your funds are accessible, and whether your investment is tax efficient. For more information just go to http://www.pensionlite.co.uk
Many people are getting closer to considering an early retirement, or the state pension age and don’t know if they can afford the life they’ve always dreamed of. For more information just go to http://www.pensionlite.co.uk
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