PENSIONS & SAVINGS

                                             PENSIONS                       

 

Best return on SIPP PENSIONS

 

77% of Britons are retiring with their pensions providing an income of £2,000 or less per year, this equates to £166 per month.

This is the result of regular contributions into the pensions being far too low and outrageously poor performance from the large fund managers who invest most peoples pension funds. If you are one of the 77% and continue doing the same thing, the future looks very bleak.

Regardless of your age, but particularly important if you are over 40 years old, it is vital that you make your invested funds work hard for you, and do not expect any fund manager on a 6 or 7 figure salary to do it for you.

This issue is far too serious to ignore it or delay making changes, to avoid poverty in retirement act now, make the changes. So were do you find these high yielding investments? Well there are many and they stretch across several business categories but they all should share a common fact, they should all have been approved by the Financial Services Authority (FSA) as suitable for a SIPP pension investment, only businesses which satisfy the strict SIPP criteria are given approval, thus cutting out blatantly high risk and bad investments and therefore protecting your interests.

 

Transferring

Historically we tend to think of pension funds as something we choose and then forget about for years, which is fine if the money has been wisely invested, transferring your pension fund from one investment to the next is really very straight forward and is done with the help of a financial adviser who will deal with the mandatory paperwork and providing any help, support and advice should you want it, this is to ensure that your proposed investment is going to be suitable for your medium and long term goals and that your proposed investment is likely to outperform your existing investment, the IFA is there to help, support and protect your interests


Can I use my own Financial Adviser?
Yes you can, but we have Financial Advisers who are fully familiar with our products and without charging you to research the particular investment that interests you, our financial advisers do not charge any upfront fees.

Why has my Financial Adviser not told me about these investments?
This is simple, if an investment went wrong and your pension fund lost money, as most pension funds have done in the current financial crisis, then you may have a claim against the financial adviser, hence the reason why the vast majority of financial advisers advice almost the whole nation to invest with large blue chip fund managers who provide staggering profits for themselves and their shareholders and dreadful returns for their investors, but because of the size of their businesses they are perceived as relatively safe

Can I invest my state pension?

No

Can I transfer my professional pension into a SIPP?
The answer is yes, but with reservations. Some professional pensions have very attractive features, the time you have been paying into a pension, the size of the pension fund will have a bearing on the viability on changing, a financial advisers would carry out a detailed assessment and discuss with you the outcome to ensure you arrive at the best decision for your circumstance


 

 


                12and3 DO NOT charge any fees

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                                             SAVINGS 

 

Best return on SAVINGS

 

If you currently have savings in a bank or building society you are likely to be losing money, this is no joke it's a cold reality. For example you are unlikely to be earning more than 3%pa, but with the rate of inflation currently 5%, your money is shrinking by 2% per year.      

UK property prices are currently very attractive and arguably this is a good time to purchase property with the intention of renting it out, but the responsibility of the repairs and replacements, finding tenants or paying an agent to manage the property, potential issues relating to slow or none rent payment can present time consuming challenges and with mortgage interest rates of around 5% and rental yields achieving 10%, this still only leaves 5% for the Landlord, but then take away the insurance , agent and service charge (for apartments) and you may struggle to find any profit.              

We ask our clients to remain open minded on the type of investment they choose. If you feel more comfortable investing in UK businesses and property we can achieve very attractive yields however, you will currently find far greater opportunities in emerging markets and enviromental projects. What we are always aiming to achieve is the maximum return on your investment in companies and products that fulfill your ethical and personal goals.    

This website provides you with what we consider to be the best investment opportunities at any one time, we would challenge anybody to find quicker and safer investments to make your money grow and we carry out due diligence on all of them, in addition, virtually all of them are SIPP approved.      

 

What investments are available? 

It is universally accepted that spreading risk across diverse investments is wise and to achieve this at 12and3 we always remain open minded on the investments we feature but try to ensure the 3 investments featured are diverse. Our current list vary from growing Forestry in Brazil, property bonds in the USA, and carbon credits.

How much can I expect to earn?

The return on all of our investments are substantial, these investments are providing market leading returns, although the products are varied you can expect 13% - 39% pa.

How much do I need to invest?

It really depends on the investment, but the minimum amount of money required is £5,000 ($7,000) for the carbon credit investment which is expected to return 25% per year, the forestry investment requires a minimum of £18,000 ($25,000) which is expected to return a total of £842,364 over the 24 year term, assuming you remained invested for the full term. 


What are the risks?

We are duty bound to advise that any investment can go down as well as up, but we also consider it our job to use thorough due diligence in order to not put attractive potential profit ahead of undue risk, any investments we consider to have a high risk factor will not be offered to our clients. In addition, most of our investments have been scrutinised by the FSA (Financial Services Authority in the UK) and have been given a green light for use in pension schemes.

I do not live in the UK, can I invest?

Yes, anybody can invest in our products and we will always try and arrange a face to face meeting with one of our consultants before you make a financial commitment.

12and3 has the experience to help your money grow!

 Forestry investment                                12yr Return 478%, 24yr return £842,364

Minimum investment £18,000 ($25,000), the above figure is based on an £18,000 investment                                                SIPP APPROVED

12and3 is completely independent

with no hidden agenda, we are a completely independent web site constantly trawling financial products to find the best performing financial products from reputable companies and organisations. The products promoted on this web site have no company or personal affiliations, consequently our clients are provided a totally unbiased view of the current investment products.  
 

You can trust that your business and personal matters will be handled with professionalism, integrity, and with the utmost discretion.

Carbon Credits                                                           1yr Fixed contact 30%pa return

 Minimum investment £4,500 ($7,500)      There is a very limited number of contracts on every                                             SIPP APPROVED  

 

12and3 Do not charge fees.

 

USA Property Bonds                                                         up to 130% on a 10yr bond

 Minimum investment £9,300 ($15,000)                                                                                                                                                               SIPP APPROVED

 

Virtually all investment products have been approved for pension fund investment (SIPP approved)

 

New build finance - Brazil                                                   20%pa 1yr or 25%pa 3yr

Minimum investment £20,000 ($32,000)                                                                                                                                                             SIPP APPROVED

              _____________________________________________________________

Freephone 08000 83 63 43   Mobiles 01782 612646   International 0044 1782 612646

                                                  1,2and3   Brampton Lodge,   Queen Street,   Newcastle under Lyme, ST5 0QW

 


                                                                                                                                                                                                                        Disclaimer
The purpose and function of the 12and3 website is to provide information relating to investment products, 12and3 is not registered in the UK with the Financial Services Authority (FSA) and is not therefore authorized to give advice, nothing on this website should be regarded as financial advice whether the particular investment is regulated or unregulated. All clients are entitled to use their own IFA or 12and3 can introduce you to a completely independent Financial Adviser. Before committing to invest, investors are also recommended to carry out their own due diligence regardless of the thorough checking carried out by 12and3. 12and3 is also duty bound to advise clients that the past performance of an investment product is no guarantee of its future performance, and an investment can go down as well as up in value.

 

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