Compare or Review - Pensions

No up-front fees, independent, no obligation Pension Review and Recommendations by post, e mail and telephone.

 

Step 1

Over the telephone tell us about your needs & circumstances

Step 2

We review your existing plans and consider your options

Step 3

If what you have is good we will tell you why. If not we tell you how things could be improved

If you do not accept our advice and recommendations you have nothing to pay!!

View our 72 second video about PensionLite’s services

For Comparing or Reviewing pensions Pensionlite provide an independent and no obligation service with no upfront fees completed by telephone with recommendations posted to you to consider in your own time in your own home before making any decisions.

If you do not accept our advice there is no charge

If you accept our advice you will do so with a clear understanding of our charges, potential benefits and how our advice addresses your personal needs and aspirations.

Because we have provided this service for over 10 years we know that both our initial and any on-going charges are less than traditional face to face advice whilst providing a more efficient and effective service.

Nothing to lose but plenty to gain.

So, if you feel you are being let down by your pension provider, why not compare performance, charges and benefits and receive recommendations from pension specialists on how to improve things.

Once we understand your needs, circumstances and aspirations we will review your existing pension arrangements to see what options you have and also what benefits you have accrued. We feel it is better to check what you have before considering alternatives.

We only use the best analytical software to compare what you have with what is available.

It is important then to consider what you are expecting over the long term, what involvement you wish to have in managing your pension on a day to day basis and also what your attitude to investment risk is.

Stakeholders, Personal Pensions, SIPPs, Wraps and Platform managed pensions all have features which may suit you. As we complete our analysis you and your needs are key to the outcome. We will compare charges, investment facilities, fund choices and performance.

We will also check your attitude to investment risk and research where in the world your pension should be invested and in what proportion. We then research the best performing funds in each area, comparing performance over a reasonable period of time. Any funds selected as most appropriate will then be assessed for consistency, checked for volatility and rated to benchmark quality, stability and suitability.

We will then make you a recommendation as to what we believe is the best course of action.

Answers to some common questions:

Will you compare ALL Pensions?

Yes, in a structured way. Once we understand your needs, circumstances and aspirations we will firstly review your existing pension arrangements to see what options you have and also what benefits you have accrued. We feel it is better to check what you have before considering alternatives. It is important then to consider what you are expecting over the long term, what involvement you wish to have in managing your pension on a day to day basis and also what your attitude to investment risk is.

Whilst there is plenty of press comment about high pension charges there is little about poor investment performance. Despite this a successful plan is one which combines good investment returns with competitive charging. Comparing pensions based on charging is a naïve way of assessment and equally choosing a good investment performance without considering the charges or volatility is not sensible.

Stakeholders, Personal Pensions, SIPPs, Wraps and Platform managed pensions all have features which may suit you. So, as we complete our analysis you and your needs are key to the outcome. We will compare charges, investment facilities, fund choices and performance. We will check your attitude to investment risk and research where in the world your pension should be invested and in what proportion. We then research the best performing funds in each area, comparing performance over a reasonable period of time. Any funds selected as most appropriate will then be assessed for consistency, checked for volatility and rated to benchmark quality, stability and suitability.

We will then make you a recommendation as to a course of action or not. In short, yes we do compare ALL pensions.

Are the recommendations Free?

Yes. Whatever the outcome of our advice the recommendations are completely free. You only pay for advice you accept.

If we do recommend that a transaction takes place we will clearly state this in your report, along with what the specific costs of following our advice will be.

You can also choose how you pay for that advice.

If you do not accept our advice and recommendations then there is absolutely nothing to pay.

Is Pension Review right for me?

It is vital that your pension suits your needs and circumstances and sometimes your pension needs to change for this to be the case.

Personal circumstances change all the time and so do pension charges and providers’ trading and service arrangements. Many personal pensions and stakeholders were sold in the 80s and 90s by sales teams that don’t even exist anymore. This makes it very unlikely that you will have had regular reviews of your pension plan.

Excessive charges are applied to many older pension plans so comparison and review is essential. You need a pension fund that reflects your attitude to risk and an old fund will probably not match that anymore.

Furthermore, if your pension is with companies such as Windsor Life, Phoenix or Capita, it is very possible that they will no longer be the firm you purchased your pension from in the first place.

A pension review is also wise if you have changed jobs, to make sure that it is suitable based on your new circumstances.

Here at PensionLite we can offer you a no obligation, independent review of your pension and provide you with a full report to explain the state of your pension and how it could be improved. There are no up-front fees to pay, you only pay for advice you accept!

You are free to ignore our advice but at least you will have the peace of mind that comes with the knowledge of what your pension is giving you. Alternatively it might make your realise that you can dramatically improve your situation and your future financial security.

Am I under any obligation?

No, at PensionLite we believe that everyone should have access to specialist pension advice without concerns about obligation or cost. Consequently, all of our clients have the opportunity to receive an independent, no obligation, pension review and recommendation report so they can best consider their options from a position of knowledge, in their own time and certainly well before any decisions are made.

If you choose not to follow our advice there are no charges or obligations.

Start your enquiry today

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