Annuity Guide

Annuities have been the poplar, and sometimes compulsory, product to fund the golden years. Mainly sold by insurers they are based on factors like lifestyle age and gender, but like any financial product they require some thorough research and important decisions. Annuities take 75% of you pension pot and pay it back as a guaranteed income over the rest of your life.

Annuities take around 75% of a pension pot and pay it to the 'annuitant' as annual income; guaranteed until you die. The rate at which it is paid is based on age, gender, location and lifestyle choices. For example, a smoker will receive a higher rate, presumably over a shorter period, while healthier annuitants receive less for longer.

Yet the market can be a minefield and experts say the annuities offered by different providers vary by up to 20%. If that wasn't reason enough to shop around, there are at least another five factors that can impact on the amount you receive: the size of your pension fund; market conditions; your age, gender and lifestyle choices and how you want the money paid.

Where you live and lifestyle factors such as smoking can all have an impact on how your specific plan pays. For example, smokers are paid a higher rate because it is assumed they will receive their 75% over a shorter period.

It's complicated but it's not impossible to find the right investment plan for you. Making key decisions now and saving for tomorrow can remove the stress of care expenses or give you the means to spend your retirement travelling, pursuing hobbies and spending time with those you love. There is more information available than ever before. Internet comparison sites, banks and impartial advisors are all there to help so shopping around has never been easier.

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