Saving
People save for a whole host of different reasons; some to save for their dream home, some to ensure that their children can attend university later in life and some to ensure the have an equivalent lifestyle in retirement. At Spectrum we help our clients evaluate their goals, taking into account their risk profile, before offering them advice on the best savings options for them.
Pension
Before we offer our clients any retirement planning advice, we go to great lengths to understand their current situation. This includes what they expect to receive from their state pensions, company pensions and individual pensions. STATE PENSION With ever growing pressure on state pensions, pensioners are now finding that they have less spending power today than they did last year. Governments all over Europe are now...
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Investment
Today, people are generally worried today about two things: Protecting their current investments Ensuring that they have the same spending power in the future as the do today PROTECTING CURRENT INVESTMENTS The EU Bank Deposit Guarantee was raised to €50,000 in October 2008 from €20,000. An EU Directive was then adopted in June 2010 to raise this to €100,000. Many people currently have more than this upper limit...
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Insurance
Two of our clients main concerns are: What would happen to my family in the event of my death? What would happen to my lifestyle in the event of illness? The sad fact is that many families do not ask themselves these questions and it then becomes too late to do anything about it. We often find that it is the case that a household has one major breadwinner and the effect on the family, in the event of their death is...
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