It's a week before I've got to vote, and I'm still undecided on who to go for. However, my 6 year old daughter, Charlotte, has (sort of) made her mind up. In a conversation with her mum this morning, she announced, "I'm going for Gordon Brown". When asked why, she answered "Cause I like the look of him!!". She then changed her mind, and decided she liked the "the blue one who's always on TV.....you know, David Beckham!!"
Whether Beckham limping around with his wonky leg would do better than any of the current candidates is questionable, however, I hope Mr Brown doesn't meet Charlotte, finds out about her change of political affiliation and decides to call her something offensive off camera!!
One thing is certain regardless of the future government. Individuals need to take responsibility for their financial futures. Most people agree that the state pension age will increase, and the true value of this provision will decrease over time.
So, if many people understand the importance of making a provision, why are they not saving for their financial security in the future? There are many reasons for not saving for retirement, however one of the biggest is lack of knowledge. The way you solve this problem is relatively simple. Firstly, build the knowledge you need to understand the best method for you to build a retirement income. Secondly, seek professional advice from someone you trust and want to build a long term relationship with, ensure that they are appropriately qualified and have the integrity to look after your best interest and Thirdly, ensure you continue to review your requirements as your life changes over the years.
By taking simple steps, you are starting to take control of your financial future regardless of whether the next prime minister turns out to be either Gordon Brown or David Beckham!
Chris Daems,
Principal Financial Solutions.
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