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For British investors, April 6 2015 could mark the dawn of a golden age. That's not because markets are set to soar (they largely look expensive-ish) or because you'll be able to get a decent return on your savings again (interest rates won't rise this side of the election). It's something much more significant.
'Pensions freedom day' marks a genuine revolution in Britain's pension regime. We explain the changes in detail in this report, but it all adds up to you and me having a lot more freedom as to what to do with our pension pots when we finally decide to take them. Dare I say it – these changes might even make pensions exciting (and not in a scary, "I'll never have enough money to retire" way).
Of course, with freedom comes responsibility. Unless you're lucky enough to have a defined benefit pension that pays a guaranteed, predictable income when you retire then you are probably already used to the idea that you have to save and invest for your own retirement. The difference now is that you'll probably want to take charge of using that pot to generate your own retirement income as well, rather than selling it to buy an annuity (though this is still an option, as we'll discuss in this report). To make the very most of these changes, and enjoy these newfound freedoms, you need to understand what's going on. You also need to avoid potential pitfalls, such as the risk of draining your pot before you've had a chance to enjoy retirement, or being targeted by scam merchants.
Assuming these changes survive the next election – not a guarantee – you can look forward to a greater degree of independence than perhaps any generation of pensioners has ever enjoyed in the past. So take full advantage! We'll show you how.
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