Exceed retirement expectations by investing in a Tep

Traded endowment policies are a transparent and relatively low risk investment to put into a Sipp, which have a minimum guarantee and sometimes can exceed the initial purchase price and premiums

While much of the financial services industry has spent the last 18 months talking about pensions and the importance of planning for retirement, consumers are still not paying heed. Whether scared off by talk of the demise of occupational pension schemes or just not sure where to save, recent research shows that this year just 46% of people are saving adequately for their retirement compared to 55% last year. For advisers this denotes a great earning opportunity, both assisting those who are already saving for retirement but not confident, and those who have not yet begun to squirrel away m...