Category Archives for "Pension & Retirement"

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What type of residential property is best for retirement income?

Village, high-yield, or inner city?

A new client, Scott, spoke to me a week or so ago and asked about property as a retirement income generator. He’d been told by his financial advisor that an annuity would provide the best and safest income in retirement. A friend of his had said that he’d be better off putting his money into buy-to-let property. Being an intelligent kind of guy, he wanted to investigate further before making a decision. Read More
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I want to enjoy retirement – how can I as a buy-to-let landlord?

Guaranteeing your rental income for retirement

In my last two posts, you’ll have read about our client Scott, and his desire to create income when he retires. In the investment blog post titled "What type of residential property is best for retirement income?” we discussed three types of property that Scott was considering for investment. He was also concerned about a property’s ability to maintain retirement income. His mind was put at rest with the package of five guarantees that Gladfish offer, and the strategic way in which we approach property investment that allows us to give those guarantees. (Read about these in the investment blog “How do I know my property won’t suffer long void periods?”) In this post, I address Scott’s last concern. As he put it when speaking to me, “If I have to spend all my time making sure my tenant is the best I can get, it ruins the advantage of property investment. I want to enjoy my retirement, not spend every minute chasing after rent and fixing leaking taps.” Read More
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How retirement income options stack up against buy-to-let property

The 3+1 Plan in action as a retirement income plan

If you’re like most people in the UK today, your retirement income options will be limited. According to a poll of 100 MPs in 2014, almost 20% believe that the state pension will be extinct in 30 years. When this does happen, most people will be reliant on their stakeholder pensions. Some may have what they were promised would be valuable personal pensions. The lucky few will benefit from rental income from investment properties. Read More
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The one strategy you need to become a buy-to-let millionaire

Get the best investment results and free your time

A short while ago I spoke with a client who was finding it hard to make the time to invest. He wanted to use a property as his pension saving vehicle but just couldn’t find the time between work, family, and his hobby of golf. In this blog, I’ll explore exactly what you can expect from your pensions when you retire. I’ll also show you how you can carry on doing what you love to do now while making a life-changing investment. You might even become a buy-to-let millionaire. Read More
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Retirement investing today for lifestyle income tomorrow

Property investment is the new pension

If you’re like many modern parents, you’ll have started to worry about retirement investing already. Just how are you going to produce the income you need when you no longer work? Will you never be able to give up work and do all the things you really want to do? Is there any way to become financially independent? Read More
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The truth about investment opportunities and retirement

Investment Property can be overlooked as a retirement option, but jumping to such conclusions could be costly.

In this article, I’m going to look at the story of two twin brothers, Paul and James, who both inherited £20,000 in 1996 when they were aged 40 years. They each decided to do something very different with their inheritance, but with the same goal in mind: to semi-retire when they were 60.

James’s story – stock market returns and tax advantages

James spoke to his financial advisor. He explained his ambition and decided that he would put the entire sum into a personal pension rather than investment property. He was a higher rate taxpayer at the time, and so claimed full tax relief on his contribution. By doing so, his total investment wasn’t £20,000, but £28,000. Read More
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