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    Choosing the Best Annuity

    It is impossible to tell someone about the perfect all-encompassing annuity because nothing of the sort exists. You really have to analyse your individual circumstances before making a decision. Below are some example choices depending on the state of your finances and what you are hoping to achieve. It is always best to speak with

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    Compulsory Purchase Annuity

    Compulsory Purchase Annuity

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    Immediate Vesting Personal Pension Plan

    Immediate Vesting Personal Pension Plan, also known as the IVPPP, can produce an adequate pension income for those looking to retire. The IVPPP begins life as a personal pension plan which means you are able to invest a single cash lump sum with tax-relief from this plan or else you can transfer funds from other

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    Purchased Life Annuity

    With a Purchased Life Annuity (PLA), you will not only be able to secure guaranteed income for you, it is also possible to ensure loved ones also benefit. One of the major differences between a PLA and alternative annuities is the method in which it is taxed. Also, as well as being able to purchase

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    Annuity Retirement Income Choices

    Securing an income to keep us living comfortably in retirement is one of the most important things we will ever do. Thankfully, there are a host of income options available which can be altered according to your personal preferences. An example of this is to choose a level of income that never changes or else

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    Inflation and Annuities

    Although we cannot predict the future and how much we will need exactly, it is clear that the cost of living has skyrocketed over the years and will continue to do so. The following regular items are priced now and in 30 years time with an average inflation rate of 2.5% used to calculate the

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    Level Income Annuity

    Level Income Annuity“>

    This effectively means your income will never change for as long as the annuity is valid. It is up to you whether you want a lifelong policy or a fixed term between 2 and 20 years. This is seen as a safe option because although it does not rise, the rate of income can also

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    Fixed Annual Increase Annuity

    Fixed Annual Increase Annuity“>

    This will cause your income to increase at a rate of your choosing year after year. It is possible to increase the rate by up to 8.5% per annum. A benefit of this option is the fact that your income before tax is guaranteed never to drop. The downside to this option is that you

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    Inflation Linked Annuity

    Inflation Linked Annuity“>

    The rate of inflation is linked to the Consumers Price Index (CPI) which means your annuity rate will also be linked to the CPI. The fact that the value of your money in real terms (how much you can buy) remains the same is a major advantage. Inflation is the scourge of many pension plans

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    Single Life and Dependent Annuity

    Single Life and Dependent Annuity“>

    The common single life annuity plan will run out the day you die meaning no dependents can withdraw on your behalf. However, there are certain annuity options which do provide for your loved ones if you so choose. Dependents If you were to die unexpectedly it may put an unfortunate financial burden on your family

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