Are You Happy With Your Pension Pot?
Imagine you had a pension pot of £100,000. Based on past performance, how would your pension pot have changed over 5 years based on reported growth of selected pension products?:
Lower Growth Fund
Cautious Managed Pension
Insured Funds Deposit S14
Moderately Cautious Plan 7IM
Gold backed pension*
Many traditional low-risk pensions have not performed how people wish - some pension plans aren’t even keeping up with inflation so they’re actually losing money!
You can add gold to your pension pot by converting your existing pension pot or lump sum payment and monthly pension contributions into gold.
Of course, no-one can predict the future and both pensions and gold can go down as well as up. Gold has gone up in 17 of the past 20 years and down in 3.
The purchase of gold from Direct Bullion does not constitute an investment or offer financial returns. Gold is considered a store of value and is not an investment product or a regulated product. Past performance of gold is not indicative of future performance. Prices and values of precious metals can fluctuate and are influenced by various market factors. Direct Bullion does not provide investment or tax advice and recommends that you conduct your independent research before making any purchasing decisions.
Sources: Nest Quarterly Investment Report, to 9.23; Scottish Widows Cautious Managed Pension Series 1 factsheet FE Precision Plus; Aviva S14 lowest risk pension, Funds Library since 15.3.19 - correct as at 18.3.24. Standard Life source FE Precision Plus; Goldprice.org actual gold price has increased by 72% in 5 years - correct at 18.3.24. We have selected these pensions because they are low risk and gold is classed as a low risk asset. Other pensions are available that may have higher or lower returns. Pension management fees from providers and a 1% storage fee for gold is not included in the above.
Why Gold Backed Pensions may beYour Answer to a Happier Retirement
Gold has a History of Wealth Preservation
Ongoing inflation means that cash becomes less valuable, e.g. £100 just 80 years ago would only be able to buy £1.66 worth of goods and services in 2023.
Gold has a long history of maintaining a value and has never gone to zero. By comparison, every fiat currency has eventually gone to zero.
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Gold has a History ofThriving in Uncertain Times
At times of national or international uncertainty (created by the political, social, economic situation), people naturally want to reduce their risk and protect what they have.
As gold is considered a safe-haven asset, this uncertainty can increase the demand for gold, and therefore increase its price.
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Gold is Classed as a “Zero-Risk” Asset
Physical gold has been classed as a “zero-risk” Tier 1 asset by the Basel Committee for Banking Supervision, which creates standards for banking regulation.
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Gold Pensions are Inheritance Tax-Free
A Nest Pension is the government-led pension scheme. Upon your death, the benefits are paid directly to your estate. This means up to 40% of the pension pot could be lost to inheritance tax.
The gold in your pension pot is Inheritance Tax-Free and Capital Gains Tax-Free, so your loved ones can enjoy the benefits of your wise decisions. Beneficiaries may need to pay income tax if the pension holder dies aged 75 or over. With a gold-backed SSAS pension, you can have corporation tax relief too. Of course, pension tax rules can often change so we recommend speaking with an expert for the latest insights.
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The Risk of Equities and Long-Term Harm
Traditional pensions often place a significant amount of a fund into the stock market. So when the mark drops, the value of pensions drops too.
For example, when the UK economy plummeted in 2007, the shockwaves were felt be pension holders for many years.
“Pensioners are retiring on half the income they would have got before the financial crisis struck 10 years ago” This is Money, Sept 2017
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Gain specialist content so you can discover how your pension pot can grow and be protected with gold.
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-The shocking truth of why your pension pot does not achieve what you want.
-How your pensions nest-egg could dramatically grow with gold.
-The simple steps for protecting your pension with gold.
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