People of twenty-five years of age never think about retirement. People of fifty years of age hardly think about anything else. Suddenly there are only a few years left to make reasonable provision for income before salary stops. For many it is too late. To make matters worse, the State is relentlessly reducing the support it offers its citizens.

There is a general belief that covering the following will produce a good retirement:

	Starting pension contributions early
	Maintaining regular payment of contributions
	Starting the build-up of capital investments early
	Systematic annual use of tax free investment opportunities
	Pre-retirement stabilisation of pension fund
	Appropriate Phased/Drawdown decisions
	Life-style counselling.

It is a good start but it is not enough.

The impact on the quality of life in retirement of the above financial planning steps is nothing compared to the impact of investment fund choice. The performance of the fund or funds you are invested in is the single greatest determiner of the level of benefits you can have in retirement.

Locating top-class fund managers is central to the success of all retirement planning.

Contact us for further information.