Barclays Wealth

Saving for Retirement

How do you plan to spend your retirement years?

However you answer that question, you can be sure that your ability to enjoy a long and fulfilling retirement will depend partly upon how well you accumulate assets now. Barclays Wealth can work with you to develop a strategy to help you build up the funds you'll need to enjoy your retirement years to the full.

We can help you:

• Set clear goals for your retirement
• Take control of your existing retirement savings
• Maximise your use of generous tax allowances
• Tailor an investment strategy appropriate to your needs
• Maximise your post-tax income in retirement
• Adapt to changing circumstances

Learn more about accumulating wealth for your retirement:

• General information about pension plans
  A basic overview of how the current rules and regulations concerning pension plans will affect your retirement planning, including information about the tax advantages you can enjoy.
• State pension
  Learn more about the pensions provided by the state and how Barclays Wealth can help you supplement them.
• Stakeholder pensions
  These offer a cheaper and more straightforward alternative to most personal and company pensions (depending on scheme rules), but usually with less investment choice.
• Personal pensions
  Find out how you could benefit from a personal pension plan.
• Self Invested Personal Pensions (SIPPs)
  A type of personal pension plan, a SIPP offers you greater control over your pension and the freedom to choose your own investments.
• Company pensions
  These schemes are set up by employers and can offer you a range of benefits.
• Additional Voluntary Contributions (AVCs)
  If you’re a member of a company pension scheme, you may be able to top up your pension using an AVC. Find out how.
• Salary Sacrifice
  Find out how giving up some or all of your salary in return for contributions to your pension plan could potentially lead to substantial tax and National Insurance savings.
• Bonus Sacrifice
  You could potentially enjoy significant tax and National Insurance savings by giving up some or all of your bonus in return for equivalent contributions to your pension plan.
• Individual Savings Accounts (ISAs)
  ISAs offer you a tax-efficient means of accumulating wealth - for your retirement or other savings - by allowing you to save or invest in an account that's free of income tax and capital gains tax.
• Investment bonds
  Onshore and offshore investment bonds offer you another means of accumulating wealth for your retirement. In some cases, they can allow you to enjoy significant tax advantages.

Find out more about wealth accumulation for retirement

To discover how Barclays Wealth could help you save for your retirement, please contact us and we'll be in touch as soon as possible.

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