Pension Case Studies
Pension Investment Scenarios
Investor Circumstances: 44 year-old man
Pension value prior to advice: £19,967 - Projected payout (from an annuity) upon retirement at 65 years old: £1,830 per year (£152.50 per month)
Product chosen: 24 Year Melina Accumulator on £18,000 timber investment.
Projected returns: £1,059,312
Projected payout (from an annuity) upon retirement at 65 years old: £36,801 per year (£3,066 per month)
Testimonial: "A review of my pension revealed that on retirement, my current £19,000 fund would pay just £1,500 per year – a pittance! My research showed the world’s most reliable sources pinpoint timber as a better investment than most other commodities. The plethora of evidence and the simple, but very effective re-investment programme of the Accumulator, makes it the obvious choice."
Investor Circumstances: 27 year-old women
Pension value prior to advice: £20,000 - Projected payout (from an annuity) upon retirement at 65 years old: £1,100 per year (£91.67 per month!)
Product chosen: 24 Year Melina Accumulator on £18,000 timber investment.
Projected returns: £1,059,312
Projected payout: (from an annuity) upon retirement at 65 years old: £36,801 per year (£3,066 per month!)
Testimonial: "Ethical Forestry were great, they helped me right through the whole process and made it very easy to switch my frozen pension into a SIPP. The financial advisor explained everything clearly for me at each step and his recommendation revealed that my pension had only been returning 2% on average per year! I love the idea of investing in trees because it helps the environment and gives me the peace of mind that my future finances are in safe hands. Had I done nothing I have no idea how I would have survived on my pension as it was. Now i’m looking forward to the option of retiring early!"
Investor Circumstances: 55 year-old man
Pension value prior to advice: £54,387
Product Chosen: 12 year Melina investment, based on £48,000 timber investment.
Projected Returns: £277,837
Projected 25% cash payout upon retirement: £69,406; plus an annuity value returning £10,000 per year (£833.33 per month)
Testimonial: "I have invested in property over the last fifteen years, but with the recent market crash and subsequent fall in property prices I have seen a substantial drop in the value of my portfolio. This prompted me to look at alternative investments. I eventually decided on timber because it is not linked to the instability of the stock market and has shown steady, stable growth over the last three decades, even when there have been major global economic crashes. I am setting aside the 25% cash payout on retirement to pay for the further education of my two granddaughters (who are 8 & 10 years old at present) both of whom have decided to become vets!"
