2013 02 new client seminar

……….. dedicated to increasing your wealth and protecting it from greedy bankers, crazy Governments, desperate creditors and other legalised robbers!

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AGENDA WHAT CHANGES IN DELIVERING FINANCIAL ADVICE MEAN FOR YOU

HOW ADVICE CAN MAKE YOU BETTER OFF

YOUR BIGGEST HIDDEN RISKS

WHY DIY FINANCIAL PLANNING GOES WRONG

WHO WOULD BENEFIT FROM ADVICE

PARTICULAR RISKS IN LATER LIFE

HOW TO MAKE YOUR MONEY LAST AS LONG AS YOU DO

Here’s Julie!

OLD WORLD NEW WORLD

INDEPENDENTTIED

COMMISSION

LOW QUALIFICATIONS

INDEPENDENTRESTRICTED

ADVISER CHARGING

MUCH HIGHER QUALIFICATIONS

WHAT CHANGES IN THE DELIVERY OF FINANCIAL ADVICE MEAN FOR YOU


£100,000 JOINT WHOLE OF LIFE INSURANCE Legal & General £110 pm Zurich £103 pm Prudential £94 pm Canada Life £30 pm

SAVING OVER 10 YEARS = £9,600


£75,000 PENSION POT Existing Provider Annuity - £4,104 pa Best Alternative - £5,519 paSAVING OVER 10 YEARS = £14,150

THE HIDDEN RISK OF SHORT TERM THINKING

£100,000 NO IHT

£100,00040% IHT£60,000

THE HIDDEN RISKS OF TAX

e.g. CASH ISA

e.g. EIS

THE HIDDEN RISKS OF INFLATION

WHY DIY INVESTING GOES WRONG

WHY DIY INVESTING GOES WRONG

SAME SECTOR!!

Top performer 3 years ago

Worst performer 3 years ago

16

Follow My Leader?

Source: Datastream and Morningstar (total return in Sterling) as at 31 December 2009.Diversity strategic weighting = 34% FTSE All Share Index, 33% FTSE Govt All Stock Index, 6% Goldman Sachs Commodity index, 7% UK IPD index, 20% HFRI FOF composite. Re-based annually.

You cannot predict the future

Rank/% Annual return

2000 2001 2002 2003 2004 2005 2006 2007 2008 2009 00/09

1 Commodities61.6%

Property7.1%

Commodities 19.4%

Emg Mkts40.5%

HY Bonds21.2%

Emg Mkts50.5%

Europe ex UK20.1%

Emg Mkts37.5%

Gilts12.8%

HY Bonds101.7%

Emg Mkts161.5%

2 Property10.5%

Corp Bonds6.6%

Property10.5%

HY Bonds39.5%

Property18.9%

Japan41.0%

Property18.1%

Pacific ex Japan34.2%

Cash5.7%

Emg Mkts59.4%

HY Bonds153.97%

3 Corp Bonds10.2%

Cash5.1%

Corp Bonds9.8%


Emg Mkts17.4%

Commodities40.4%

UK16.8%

Commodities30.4%

Japan1.3%



4 Gilts8.8%

Gilts3.1%

Gilt 9.3%

Europe ex UK29.7%



Emg Mkts16.3%

Europe ex UK15.7%

Corp Bonds-3.6%

UK30.1%

Property81.5%

5Diversity

Strategic Wtg 6.13%

Hedge2.8%

Cash3.9%

Japan24.7%

Europe ex UK13.8%

World ex UK24.9%


Hedge10.3%

US-13.2%

Europe ex UK20.1%

Corp Bonds74.5%

6 Cash6.0%


Hedge1.0%

UK20.9%

UK12.8%

Europe ex UK24.1%

HY Bonds11.8%

World ex UK9.7%

DiversityStrategic Wtg

-13.22%

World ex UK18.9%

Gilts70.0%

7 Hedge4.1%

Emg Mkts0.2%

Diversity Strategic Wtg

-2.56%

World ex UK20.7%


9.8%

UK22.0%

Hedge10.4%


7.04%

World ex UK-17.1%


12.38%

Commodities63.4%

8 Europe ex UK1.7%

HY Bonds-1.6%

HY Bonds-11.%

US15.3%

Commodities9.4%

Property18.8%


7.74%

Cash6.2%

Hedge-20.96%

US12.2%

Cash57.7%

9 HY Bonds-1.9%


-4.27%

Pacific ex Japan-14.6%

Hedge11.6%

Japan8.6%

US16.9%

World ex UK5.7%

UK5.3%

Property-22.5%

Hedge11.6%


57.21%

10 US -2.1%

US-9.8%

Emg Mkts-15.0%


11.41%

World ex UK7.8%


15.35%

Cash4.8%

Gilts5.3%

Europe ex UK-24.0%

Corp Bonds11.1%

Hedge44.6%

11 World ex UK-4.1%

UK-13.3%

Japan-17.6%

Property11.2%

Corp Bonds6.9%

Corp Bonds8.7%

US1.2%

US3.3%

HY Bonds-25.0%

Property2.2%

Europe ex UK38.0%

12 UK-5.9%

World ex UK-14.0%

UK-22.7%

Commodities8.6%

Hedge6.8%

HY Bonds5.3%

Corp Bonds0.8%

Corp Bonds1.9%

Commodities-25.9%

Cash1.2%

UK17.7%

13 Emg Mkts -25.1%

Europe ex UK-20.1%

Europe ex UK-27.0%

Corp Bonds5.9%

Gilts6.6%

Gilts7.9%

Gilts0.7%

HY Bonds-0.9%

UK-29.9%

Commodities1.0%

World ex UK11.1%

14 Pacific ex Japan-25.3%

Japan-27.5%

World ex UK-27.4%

Cash3.6%

Cash 4.5%

Hedge7.5%

Japan-10.5%

Property-5.5%

Pacific ex Japan-33.5%

Gilts-1.2%

US-12.4%

15 Japan-27.4%

Commodities-30.1%

US-29.8%

Gilts2.1%

US3.0%

Cash4.7%

Commodities-25.5%

Japan-6.8%

Emg Mkts-35.2%

Japan-6.7%

Japan-34.7%

THE PEN-LIFE INVESTMENT PROCESSRisk rated portfoliosAsset allocationAcross all “tax wrappers”“Best of the best” funds within each sector Quarterly fund change and rebalancingQuarterly reporting

THE PEN-LIFE INVESTMENT PROCESS

WHO WOULD BENEFIT FROM ADVICE?• People wanting to retire early• Those with risks of loss of a wage earner• Those seeking better returns on existing plans• People wanting to reach a financial goal• Those worried about the affect of Inheritance

Tax and care costs on their Estate• Business owners wanting to exit the business


40

45

50

55

60

65

70

75

80

Life

exp

ecta

ncy

1900 1910 1920 1930 1940 1950 1960 1970 1980 1990 2000 2010Year

THE RISK OF LIVING TOO LONG


Inheritance Tax – payable at 40% on assets above £325,000So, estate worth £800,000 pays £190,000 tax


People with more than £23,500of savings have to pay for theirown care

Average UK care home costs £700 per week (£36,400 pa)


There are relatively painless ways to solve the problems.Most of them take time to be effective.You have to plan ahead – it might be later than you think


1 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16 17 18 19 200

100000

200000

300000

400000

500000

600000

700000

800000

Portfolio growth and income options for £215,000

5% Income from cash

6% growth

PDP 6% growth & 5% Income

Years

£

SQUANDERING

HOARDING

START WITH THE BASICS

Where there’s a Will

It’s estimated that less than 30% of the UK population has a Will.

SUMMARY WHAT CHANGES IN DELIVERING FINANCIAL ADVICE MEAN FOR YOU



WHY DIY FINANCIAL PLANNING GOES WRONG

WHO WOULD BENEFIT FROM ADVICE



SO JOIN THE RANKS OF THE HEALTHY, WEALTHY & WISE

BOOK YOUR FREEDISCOVERY MEETING TODAY

2013 02 new client seminar

Documents

uk ipd index

advice particular risks

strategic wtg63

strategic wtg4

diversity strategic

biggest hidden risks

risks of loss

hidden risks of tax100