Signature Coins & Bullion

Failing to account for the effects of inflation is a very damaging mistake. Perhaps the following example will help you understand the real world implications of inflation.

These scenarios assume that you now require £35,000 a year to maintain your lifestyle and would like to maintain that standard of living in retirement. A 3 percent inflation rate is used -- the historic average (neither low nor high):

•           If you need £35,000 a year to live now, you will need £47,037 a year in 10 years to support the same standard of living.

•           £63,214 a year is the amount of money you would require in 20 years (age 85 if you retired at 65).

•           And, if you retired at 65 and lived to be 99 years old – another 34 years, you will need £95,617 a year!

If we adjusted the inflation rate upward just 1 point to 4 percent, then the $63,214 required to support you at 85 becomes $76,689 – a rather significant increase.

A Pension Freeze:

In recent years many companies have been freezing their pension plans. This means a member expecting to retire with £20,000 of annual benefits receives far less. Or a plan based upon a members years of service are also frozen years in advance of retirement.

Some clients that have switched to a private pension have been horrified to discover that up to 50 percent of their first year's pension-fund contributions has been eaten up in commission payments and other expenses. The charges are high because pension plans are complex and therefore more expensive to manage and administer.

The foundation of a rare coin retirement is owning desirable rarities, that have proven and measurable returns. With a documented track record spanning at least 50 years, selected rare coin investments can provide significant lump sums when most needed, and without penalty. Numismatics protect purchasing power, and tax benefits include being VAT free, private and capital gains tax deferred.