Management of Your Company Pension

I am a member of a company pension scheme and I want investment advice

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Management Of Your Company Pension

Company Pensions Scheme’s (also known as Occupational Pension Scheme’s or Group Pensions) are generally designed so that you manage the pension on your own. As a result the vast majority of pension savers get little or no assistance apart from receiving a scheme explanatory booklet from their employer.

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Many people who manage their own pension take an inappropriate level of risk – sometimes to much risk and sometimes too little. This is unfortunate because if you don’t manage your investment it costs you. Your eventual pension will be accrued from four sources;

  • Your contributions
  • Your employers contributions (usually the case in a company scheme)
  • Tax relief
  • Investment growth

Many members of company pensions are invested in lifestyle funds. While these can be suitable, like any automated process, sometimes they can be desperately unsuitable, as you can read about in this blog post.

You can never be financially free until you have made provision for your retirement. You need to adopt a target based approach. When we compile a Financial Planning report for a client the top question we are asked is;

How much do we need to contribute in order that we can retire at age X?

Since the beginning of the pandemic X has become a smaller number, as many people have realised that they don’t want to work until they drop, and if they plan ahead they may not have to.

We can help you by determining;

  1. How much income you will need to maintain your lifestyle in retirement?
  2. What size pension fund you need to accumulate to produce that income?
  3. How much you need to contribute to achieve the required pension fund?

Contact us today on 01 546 1100 or book a no-obligation coffee with us here.

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The material and information contained on this website is for general information purposes only. Neither the writer nor Highfield Financial Planning Ltd makes any warranty as to the completeness, accuracy or reliability of the information or the suitability or availability of products or services, referred to on the website, for any purpose. You should not rely on any information contained on this website as a basis for making any financial, legal, taxation or other decision. The information presented does not include all the considerations which are relevant to the topic discussed as to do so would render it un-readable. When considering any financial issue you should seek the advice of a suitably qualified adviser.

BOOK A FREE NO-OBLIGATION CHAT

By Telephone 01 546 1100
Use the Form on this Page
Book a Zoom call with us here.
Happy to start the process? Click here to complete a factfind and tell us your objectives
The material and information contained on this website is for general information purposes only. Neither the writer nor Highfield Financial Planning Ltd makes any warranty as to the completeness, accuracy or reliability of the information or the suitability or availability of products or services, referred to on the website, for any purpose. You should not rely on any information contained on this website as a basis for making any financial, legal, taxation or other decision. The information presented does not include all the considerations which are relevant to the topic discussed as to do so would render it un-readable. When considering any financial issue you should seek the advice of a suitably qualified adviser.

Highfield Financial Planning in the Media

About Highfield Financial Planning

We provide superior advice on Financial Planning services to business owners, professionals and their families. The principal of the firm Eoghan Gavigan has over 27 years’ experience in banking and finance across Treasury, Lending and Wealth Management and is a Qualified Financial Adviser (QFA) and a Certified Financial Planner (CFP). The CFP qualification is the world’s most respected industry designation, held by only a select number of advisers. As Specialist Investment Advisers we can provide you with detailed investment advice on your pensions and investments.

We want you to be comfortable in your dealings with us. We provide a number of suggestions here for ways that you may be able to obtain comfort that we are the right Financial Planner for you.

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I would highly recommend Eoghan to anyone looking for expert financial advice. From my first meeting with Eoghan, the level of service has been exceptional. He's extremely knowledgeable, very patient and explains things in way that you can easily understand. I'm delighted with the product he found for me and I hope to be a client of his for years to come.

Gareth M21/9/2020

I dealt with Eoghan regarding my pension. It wasn't a clear cut situation and Eoghan went above and beyond to explain all details and possible scenarios with me. Eoghan constantly kept me updated and aware of any new information without being prompted. Eoghan was efficient, knowledgeable, professional and a pleasure to deal with. I would not hesitate to use Highfield Financial Planning in the future and would recommend this reliable company with confidence.

Patricia Duggan21/3/2022

Eoghan is a pleasure to deal with. Eoghan has a deep knowledge base and is always up to date with latest market developments. I couldn't recommend Eoghan highly enough.

Colm Ryan21/7/2022

As a complete novice when it comes to pensions I was delighted to come across Eoghan. He explained everything that I needed to know and do. He is very professional yet explains everything in ‘lay’ terms. Even during Covid he kept in touch through Zoom and e mail. Thanks Eoghan

Sheila Weller21/5/2022

My partner and I did a financial plan with Eoghan, with a number of scenarios for our future. The final product was very professional, and provided proactive investment and protection options which Eoghan carried out fully for us. We felt it was very good value for peace of mind for our financial future!

Tim Lee21/5/2021

Excellent service provided by Eoghan since I took the decision to take my pension out of the Banks and use a financial advisor to help me maximise incomes from the market. He is always attentive and quick to offer current valuable advice. Happy to recommend Eoghan to anyone interested in getting sound financial advice.

Niall Hearn2/3/2020

For pensions and advice, Eoghan is an expert, professional and thorough. He has a knack for explaining and summarising this important and complex subject in layman's terms. This helps enormously, making you comfortable that you are making the right financial choices for you. He is also a patient and nice guy to deal with.

Bill Glennon18/9/2019

As well as advising me on the performance of my existing personal pension & arranging life insurance policies, Eoghan is also now overseeing our business needs. So far, he has implemented an employee pension scheme & is advising on corporate co-director & key-person insurance. I have found him to be exceptionally knowledgeable and honest and wouldn't hesitate in recommending him to others for either business or personal pensions/investments etc.

Dawn Richardson10/10/2019

We first met when i was made redundant and needed help with moving my pension. Since then, he has advised me on my life insurance policy for my mortgage and helped me to get a much better deal than I had with my bank. He is extremely helpful and I can ask him anything without feeling like it's a stupid question!

Rachel Egan1/2/2020

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