Firstly, we think it's a good idea to suggest to you that you check that your pension is permforming as well as it can. A review will tell you what you already have. It wont cost you any money to do a pension review, and it shouldn't result in you having to start to pay any money per month into a pension if you don't want to.

Secondly, all you are doing is reviewing what you already have so that you can plan for how it is likely to perform in the future.

Thirdly, and perhaps most importantly, armed with the information in your own personal review you get to make an informed choice of what to do next.

Get your free pension review underway and get in touch today!

St Pauls does not perform pension reviews — we will refer you to an IFA for a free pension review.

The "Pension Time Bomb" has been used to describe several looming pensions' crises coming together in a perfect storm.

Any one of which would be scary enough on their own:

• Gordon Brown's 1997 tax raid on pensions has made it increasingly hard for funds to make money for the saver, particularly those schemes with high charges.
• Many final salary schemes are in serious financial trouble with the overall deficit now over £196 billion pounds. What will happen if they can't afford to pay all their members in the future?
• The current economic crisis is crippling the stock market (which the majority of pension schemes are invested in) and has decimated annuity rates.
• Britain's ageing population is a demographic time bomb that will increase the burden on the state.
• Some pension schemes performance do not even beat the rate of inflation! That means that a fund is reducing in value in real terms – not going up in real terms as the cost of living does.

To see if the 'Pension Time Bomb' applies to you, you should consider a review your current pension arrangements. St Pauls does not perform pension reviews — we will refer you to an IFA for a free pension review.

St Pauls Marketing Limited is a Corporate Finance company that seeks to promote the products of its corporate clients, which are currently a debenture paying 5.5% and one paying 7.5% a year. We are not in any way expert in pensions or pension reviews, and we know that most individuals up and down the country aren't experts either. We promote the idea of a free pension review with an Independent Financial Advisor in the hope that you take advantage of the offer and have your existing pension arrangements reviewed by them. You will always be a client of the IFA, and never us.

At the same time as you review your existing pension and its performance with your IFA — we would like to show you the details of our Clients' fixed rate products which investors can invest in by way of cash, or via their pensions.

A simple fact for you to consider. When you come to draw a pension you could have the choice of buying a product called an annuity. Generally speaking most annuities work by you giving an Insurance Company your retirement fund in exchange for them giving you a guaranteed amount of income per month — for the rest of your life The bigger your pension fund is when you retire — the more money you will get in retirement when you might not want or be able to work.

You could start planning today just by getting in contact with us.