Prepare for your financial future with Profile Pensions

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Pensions. Boring, right?! I know in the past when someone has mentioned pensions I’ve just glazed over. However, I’m almost 30 now and I’ve been getting more serious about the future. Yes, the future. It seems so far away, retirement, relaxing, spending time with grandchildren etc. Now really IS the time to do something about securing your financial future. I kid you not. I know it can feel really daunting but getting a pension in place, and knowing that your financial future is going to benefit, is a really great feeling. Then maybe you can go back to glazing over at will! Today I want to talk to you about Profile Pensions, who offer straight-talking pension advice, and why I think you need a pension.

Prepare for your financial future with Profile Pensions

Who are Profile Pensions?

Profile Pensions offer a pension tracing and review service. This means that if you are one of the people who has, or believes they have, an unclaimed pension then they will work to try to find it for you. With the Government estimating that there is more than £400m sitting in unclaimed pensions there has possibly never been a better time to trace old pensions. In addition to finding any pensions using their tracing service Profile Pensions also offer a pension review service too. There are multiple pension types that they offer a review for.

Why choose Profile Pensions to help with your own pension?

Profile Pensions are not tied to specific pension companies, meaning they are free to suggest any number of funds, choosing from more than 27,000. They offer an ongoing service, with a regular review, to ensure that your pension is reviewed regularly to find the best fund for you. On average Profile Pensions find better pensions for 70% of all people that they work with. Meaning that they don’t always find better pensions – but they are honest about this. 

Why should you have your pension reviewed regularly?

You could save on fees, gain more for your money and even consolidate pensions. Having a pension that is regularly reviewed could help you have more money when you retire and ensure that your financial future is well catered for. Your pension may be under performing, or be inflexible, but you may not know.

Why did I think of Profile Pensions?

They are REALLY friendly. I spoke to Michelle, a member of the Profile Pensions team. Michelle had ALL of the answers to my questions and nothing was too much trouble. You don’t need to just take my word for it – you can read reviews from genuine customers.

I found Michelle very helpful, and I felt confident about the services that Profile Pensions offer after speaking to her. I love that you can see photographs of the people you are talking to online and even see a video of them too! Michelle clearly lives and breathes pensions and that filled me with confidence.

Is a pension really THAT important?

YES. YES. YES. The end. Just kidding. Seriously though, could you live on £125 a week when you retire? Assuming you have made all of your national insurance contributions of course. That is the joy that awaits you with the state pension. Yes, it WILL go up. But probably not much. Also, who knows if it will even exist by the time you retire? I’m no pensions expert but I don’t plan on just relying on the state pension. 

When you work for 50 odd years you deserve a good retirement. Nice clothes, good food, a couple of holidays a year. As a minimum. Not that much to ask for. By thinking about your pension NOW you are rewarding your future self. You deserve it. 

This post is in collaboration with Profile Pensions. All opinions within this post are my own.

Profile Pensions is a trading name of Profile Financial Solutions Ltd which is authorised and regulated by the Financial Conduct Authority, The FCA is a financial regulatory body in the United Kingdom. They work to protect consumers and promote effective competition as this is in the best interest of consumers.  The value of your pension can go down, as well as up. With pensions your capital is at risk.

22 Responses

  1. Emma October 27, 2017 / 12:50 pm

    We will be really thinking about our pension pot and investments next year. I don’t think anyone should be relying on a government pension, I just don’t see it covering the cost of living as time goes on.

  2. Laura - Dear Bear and Beany October 27, 2017 / 8:36 pm

    I agree you can’t rely on the government pension, there is always the chance that there might not even be one in the future! We really need to up our pension contributions to make sure we are covered when we retire!

    • katykicker October 28, 2017 / 8:03 am

      It is such an important area that it is all too easy to forget about isn’t it?!

  3. Katy (What Katy Said) October 28, 2017 / 6:58 am

    I am really worried about mine as I stopped teaching after only a few years so my teacher pension will be negligible. My husband will get a good one, but as my mum found out recently – if your husband leaves you then you are stuck!!

    • katykicker October 28, 2017 / 8:04 am

      If your husband divorces you then you should be able to get some of that pension for yourself (I believe), as it is still an asset! How sad for your Mum.

  4. Zarja from myTamarin October 28, 2017 / 7:36 am

    Thank you! I recently read an article about people retiring in their 30s and 40s. It’s fascinating what you can achieve with just a little bit (more) of financial discipline.

    • katykicker October 28, 2017 / 8:04 am

      There are some really inspirational people out there aren’t there!

  5. PKaurK October 28, 2017 / 8:00 am

    Pensions are soo important and I think too many people turn a blind eye to preparing for retirement and intend to rely on the state pension. The earlier people start the better off they will be. Thank you for sharing, people need to know what options are available to them.

    • katykicker October 28, 2017 / 8:05 am

      So true that the earlier the better!

  6. Charlotte October 28, 2017 / 7:13 pm

    This is some great info, we have been looking at preparing for our future recently so this is handy advice

    • katykicker October 29, 2017 / 4:38 pm

      It is never too soon to think about your financial future, glad I could help!

  7. Carine Robin October 28, 2017 / 10:10 pm

    I’m not counting on any government pension and our situation is even more complicated as we are expat (we worked in Belgium, Ireland and in UK) not to mention that we have been self-employed most of the time! So we have a life insurance and we are building a portfolio of actions and possibly pay out the house and invest in more brick and mortar. Thanks for this post!

    • katykicker October 29, 2017 / 4:38 pm

      That sounds like a good plan! Hope it goes well for you x

  8. Kira October 28, 2017 / 11:13 pm

    Great post Hun. Government pension is shocking. . Our work has just started offering pensions 🙂

    • katykicker October 29, 2017 / 4:37 pm

      That is great – I hope you enrolled!

  9. tots2travel October 29, 2017 / 11:06 am

    I’m with you. It definitely won’t be boring when we’re old and grey. It’ll be imperative to have got it right.

    • katykicker October 29, 2017 / 4:36 pm

      Yeah it really will – so important! Thanks for stopping by!

  10. Cathy Glynn October 29, 2017 / 5:27 pm

    It’s so important to have a pension especially with the changes that government have put in place x

  11. five little doves October 29, 2017 / 6:35 pm

    God this really worries me as neither I nor Gaz has a pension. We keep meaning to sort it out but never get round to it, I think we always think we have plenty of time to sort it in the future when the truth is, we should do it NOW!

  12. Kara October 31, 2017 / 12:30 pm

    I have a couple of pensions from previous employment but now I am self employed I do worry about it

  13. Steph November 1, 2017 / 10:47 am

    We’ve got nothing between my and hubby, it’s just one of those things that because it’s not happening now we don’t worry about it.

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