Is it Enough for Retirement?

place where a larger amount can earn more interest.

Private pensions – A private pension is something you have control over and could be the one constant during your working life, e.g. a SIPP (Self-Invested Pension Plan). Because we change jobs an average of seven times in our lifetime, a private pension could be the way to guarantee a specific retirement income. It would be best to decide whether your workplace pension will be your primary source of retirement income or your private pension.

Do you know at what age you wish to retire?

This could significantly impact your retirement planning. Remember that we are living longer, and our retirement will be longer than our parents’. The longer the retirement, the more you must save.

What about supplementing your pension if you want to retire earlier?

A separate investment could help bridge the gap years if you wanted to retire earlier than expected without eating into your primary source of income, e.g. if your retirement planning and forecasts were planned for 65 and you want to retire at 62. Remember, you earn the most interest on your capital in the last few years before retirement. Retiring early could see you run out of money down the line. deVere France S.a.r.l. are regulated by ANACOFI-CIF and ORIAS which will only recommend French regulated products. deVere France can advise you on ways to help safeguard and increase your wealth, as well as helping with HMRC-recognised pension transfers to a Qualified Recognised Overseas Pensions scheme (QROPS) to give you potentially more flexibility in your pension plans.

It is always good to have an extra retirement income source that is not part of monthly income plans. These savings could cover any financial emergencies and unforeseen expenses or be used for holidays. Either way, having a pot of gold hidden away at the end of a rainbow for a rainy day is always good.

Chat with your advisor about optimising your retirement portfolio and adding on supplements.

Please note, the above is for educational purposes only and does not constitute advice. You should always contact your advisor for a personal consultation. * No liability can be accepted for any actions taken or refrained from being taken, as a result of reading the above.

Helen Booth works as a financial adviser for deVere France S.a.r.l and has lived as well as owned property in the Deux-Sèvres region. Having worked in the financial services in the UK for over 15 years, Helen prides herself in being fully diploma-qualified for the services that she provides. Helen has lived and worked in France for over 8 years and enjoys being part of deVere France S.a.r.l., a division of one of the world’s leading independent financial consultancies, deVere Group.

With over $10 billion of funds under its advice and administration and with more than 80,000 clients around the world, deVere Group truly offers a myriad of unique products and notes that are not available anywhere else in the market. This, as Helen puts it, gives clients the pick of the crop when it comes to investing.

If you would like to know more about how deVere France can help you, contact

Helen Booth DipPFS , EFA : +33 (0) 77 171 2879 : helen.booth@devere-france.fr

Dénomination sociale: deVere France S.a.r.l, RCS B 528949837, 29 Rue Taitbout, 75009, Paris, France. Gérant: Mr. Jason Trowles. Registre avec ANACOFI-CIF (Association Nationale des Conseils Financiers). Nombre enregistré: E008176, association agréée par l’Autorité des Marchés Financiers. Courtier d’assurances ou de réassurance, Catégorie B, inscrit à l’Organisme pour le Registre des Intermédiaires en Assurance (ORIAS) numéro enregistré 12064640. Garantie Financière et Assurance de Responsabilité Civile Professionnelle conformes aux articles L 541-3 du Code Monétaire et Financier et L 512-6 et 512-7 du Code des Assurances. Registered name: deVere France S.a.r.l, registered company number RCS B 528949837, 29 Rue Taitbout, 75009, Paris, France. Gérant: Mr. Jason Trowles. Registered with ANACOFI-CIF (National Association of Financial Advisers). Registered number: E008176, association approved by the Financial Markets Authority. Insurance and re-insurance brokers, Category B, registered with the Organisation for the Registration of Assurance Intermediaries (ORIAS). Registered number 12064640. Financial and Professional Liability Insurance Guarantee conforms to article L 541-3 of the Monetary and Fiscal Code and L 512-6 and 512-7 of the Assurance Code. 6XKWSX •V1.1/230418