Pensions – Security & Risk

Security and Risk – Preserved Members

There is a degree of risk in all aspects of life and everything we do, and this is especially true of your pension benefits. There is no such thing as ‘no risk’ and no such thing as an absolute guarantee.
It is essential that you understand the main issues associated with security and risk as they will affect upon YOU and your dependants, and your retirement planning. This Factsheet is designed to make you think about the various issues associated with security and risk, WHY these occur and HOW these could have a bearing upon your pension benefits. Some of the points are more obvious than others, but they are all important.

The Factsheet is written primarily for those members whose benefits are held within a scheme which actively manages its obligations. Where the scheme has been wound up or is in the process of being wound up, other considerations will apply which are outside the scope of this Factsheet.
If you are intending to get advice from a Financial Adviser these are some of the things you should be discussing with them.

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