Segner Ltd - "build your financial future"
Planning ahead for your retirement is extremely important and there are many ways in which this can be achieved. Whether you are looking to make a start with your plans, wish to review the plans that you have, or consider your income options for your retirement, we can guide you through the range of options open to you.
Your retirement will be made more secure by investing for the future and this can be achieved in a variety of ways using different forms of financial products.
How pensions work
pensions, information on pensions and building for you retirement future You make contributions to a pension fund of choice to help fund your retirement. The pension provider invests these contributions in a range of different investments of your choice to build up a sum of money over time. This sum then provides a retirement income later in life.
A pension is ultimately an investment with a set of rules around them, many of which entail giving you tax advantages that you could not obtain elsewhere. Why not combine these advantages with a sensible investment approach?
Which is better – a Pension or a Property?
This is a frequently asked question, usually on the basis that it is ‘one or the other’, yet the answer can be both. You do not need to stop investing in your pension to invest in property.
Because a pension can have very wide investment powers, it is possible to use your pension fund to purchase commercial property. In order for this to happen, there needs to be sufficient funds available for the purchase. This is all about you directing what your pension is invested in – and because you can choose, you can make the most of your savings and investment.
Company Pensions & Automatic Enrolment
A major part of your employer’s benefit package will be the pension scheme that they enrol you into. It is important to take advantage of your employer’s pension contributions. We can advise you about how you can enhance your saving for retirement.
A pension is a long term investment. The fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interests rates and tax legislation.

Auto Enrolment advice Is not regulated by the Financial Conduct Authority.