Apt Financial Management

Personal Pension Advice

The key features, benefits and tax incentives of a Personal Pension are largely similar to that of a Stakeholder Pension with the aim being to build a tax efficient fund for your retirement.

What are the main differences from a Stakeholder Pension?

  • Minimum Contributions levels are higher
  • Initial & Annual Charges can be higher
  • Wider fund choice available

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Since the introduction of Stakeholder Pensions, Personal Pensions have become more flexible and competitively charged.

The main reason to invest via a Personal Pension is to gain access to a wider fund range with some providers offering access to specialist funds managed by external investment although these can incur additional costs.

A Pension is a long term investment the fund value may fluctuate and can go down. Your eventual income may depend upon the size of the fund at retirement, future interest rates and tax legislation.


Apt Financial Management, 4 The Willows, Hulland Ward, Ashbourne, Derbyshire DE6 3EW
Phone: 01335 370 515