How Much Could your Pension be Worth in 5 Years?

Imagine you have a pension pot of £100,000 and make contributions of £1,000 per month for 5 years (total contributions = £160,000). Based on past performance, how would your pension pot have changed if their figures were maintained over 5 years?:

Lowest Risk Pension

0.7% Growth in 5 years it will be worth:
£165,495(an increase of £5,495)

Cautious

-3.02% Drop in 5 years it will be worth:
£138,226(a loss of £21,774)

Moderately Cautious

-4.44% Drop in 5 years it will be worth:
£128,995(a loss of £31,005)

Moderately Cautious Plan

-1.68% Drop in 5 years it will be worth:
£147,513(a loss of £12,487)

Gold backed pension*

10% Growthin 5 years it will be worth:
£258,081(an increase of £98,081)

Many traditional low-risk pensions are not performing how they should - some pension plans aren’t even keeping up with inflation so they’re actually losing money!

You can add gold to your pension pot by converting your existing pension pot or lump sum payment and monthly pension contributions into gold.

Of course, no-one can predict the future, but with the uncertainty in the world today, gold loves a crisis so is set to perform well. Yet even if gold only delivered half the return of the above, it would still significantly outperform the other low-risk pension options highlighted.

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There are two types of gold-backed pensions:

SIPP Gold Pension

Suitable for individuals

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SSAS Gold Pension

Suitable for company owners & senior staff

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Why Gold Backed Pensions may beYour Answer to a Happier Retirement

Gold has a History of Wealth Preservation

Ongoing inflation means that cash becomes less valuable, e.g. £100 just 80 years ago would only be able to buy £1.66 worth of goods and services in 2023.

Gold has a long history of maintaining its value, e.g. 3,000 years ago, 1oz of gold could buy approx. 350 loaves of bread. Now, 1oz of gold can also buy approx. 350 loaves of artisan bread.

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Gold has a History ofThriving in Uncertain Times

At times of national or international uncertainty (created by the political, social, economic situation), people naturally want to reduce their risk and protect what they have.

As gold is considered a safe-haven asset. This uncertainty can increase the demand for gold, and therefore increase its price.

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Gold is Classed as a “Zero-Risk” Asset

Physical gold has been classed as a “zero-risk” Tier 1 asset by the Basel Committee for Banking Supervision, which creates standards for banking regulation.

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Gold Pensions are Inheritance Tax-Free

A Nest Pension is the government-led pension scheme. Upon your death, the benefits are paid directly to your estate. This means up to 40% of the pension pot could be lost to inheritance tax.

The gold in your pension pot is Inheritance Tax-Free and Capital Gains Tax-Free, so your loved ones can enjoy the benefits of your wise decisions. Beneficiaries may need to pay income tax if the pension holder dies aged 75 or over. With a gold-backed SSAS pension, you can have corporation tax relief too.

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The Risk of Equities and Long-Term Harm

Traditional pensions often place a significant amount of a fund into the stock market. So when the mark drops, the value of pensions drops too.

For example, when the UK economy plummeted in 2007, the shockwaves were felt be pension holders for many years.

“Pensioners are retiring on half the income they would have got before the financial crisis struck 10 years ago” This is Money, Sept 2017

Download our Guide to Gold Pensions Take our pension Quiz

There are two types of gold-backed pensions:

SIPP Gold Pension

Suitable for individuals

Read More

SSAS Gold Pension

Suitable for company owners & senior staff

Read More