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Overall Life Expectancy Chart 2014.

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At B.H.Financial Services we are able to advise on a wide range of Pension Plans and will help you choose the right plan for your retirement.

Why not contact us today to see how we can maximise your retirement fund !

A pension is a term given to saving or investing money, weather it be on a regular; add hoc or single investment strategy to provide income in retirement or to have the choice to stop working if we want to.

Most of us dream during our working lives of what we will do when we retire. Sometimes those dreams even help us to see more clearly why we are currently working hard and making sacrifices. However, if we do not take time out of our busy schedules to plan for retirement our dreams will not become a reality. Many of us assume that at retirement we will be able to maintain our current standard of living and also have more time to enjoy all the wonderful things that we are planning. The sad fact is that many of us give no thought to how much money we will need in retirement. In fact there is a great danger that it will become a time of financial hardship and emotional stress.

So retirement can now be a much longer holiday! Having the money to enjoy that holiday is crucial. Consider also what the change in life expectancy maybe in another 25-30 years time, how much larger still will your retirement fund need to be? Very few people are wealthy. This seams an obvisious statement, yet consider these statistics.

Out of 100 men aged 20, by the time they reach 65, 64 will rely on others or family for their financial existence, 9 will have sufficient income to get by, 1 will be wealthy and 26 would have died. Many more could be very well off if they applied them selves with professional help and guidance to their pension investment strategy, instead many go though life relying on luck or an inheritance to realize their dreams. To find out more click here

How much will it cost?
This is dependent on many things, how much income you want in retirement, how long before you want to retire and what investment strategy you want to commit to. Contact us with your details and we will e-mail you Information by return.

At what age should I start?
The sooner you start the more likelihood of being in a position to have the choice to stop working when you want to. Contact us with your details and we will e-mail you Information by return.

How much income will I receive?
This will depend on the value of you fund. Contact us with your details and we will e-mail you Information by return.

What amount of risk will my investment be subjected to?
This will depend on what type of investment you decide on and the amount of risk you are comfortable with. Contact us with your details and we will e-mail you Information by return.

What level of return could I expect?
This will depend on what type of investment you decide and the risk you are prepared to take. Contact us with your details and we will e-mail you Information by return.

Do you have Frozen or deferred UK pension Fund?
If the answer is yes have you considered your options? Contact us with your details and we will e-mail you Information by return.

Would you like a tax free cash sum before you retire?
If your are over the age of 50 you could potentially release up to 25% of your pension fund as tax free cash. Contact us with your details and we will e-mail you Information by return.

Do you need to take your pension early or would you like to have control of when you took your pension benefits?
You can opt to take your pension benefits any time from the age 50. Contact us with your details and we will e-mail you Information by return.

Do you want to take control of your pension investment decisions?
You can potentially take control of the investment decisions and investment in markets of your choice with advice if required. Contact us with your details and we will e-mail you Information by return.

Do you want your pension fund to die with you?
You could keep your pension fund alive after your death to pass on to your spouse or dependents. Contact us with your details and we will e-mail you Information by return.

Will transferring my pension fund be the best option for me?
We can give a independent and impartial advice to assist you to make an informed decision of the best options for you. Contact us with your details and we will e-mail you information by return.

OK, HOW DO I OBTAIN MY PERSONAL QUOTATION OR ASK FURTHER QUESTIONS?
If you would like a free assessment of the costs and benefits involved with a Pension then click here. We will follow up promptly for you with relevant information.

Need advice?
Fill out our quick information request form

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Ph. : 62 21 769 2595

Fax. : 62 21 765 9013

e-Fax : 44 208 711 6140

e-Mail : bhfs@cbn.net.id

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