Investment Linked Annuities

Investment linked annuities are ideal for those who want the opportunity to potentially earn a higher income. They are annuities that are linked to certain investments, such as gilts or bonds. It essentially means that your pension fund continues to be invested in such things and, as such, your annuity income will fluctuate accordingly.

While this means that investment linked annuities offer great potential for increasing your annuity income, there is also the risk that it could reduce it too.

Advantages of Investment Linked Annuities

• There is potential for your income to steadily increase during the lifetime of your annuity.
• Many providers will include a guaranteed lower level with investment linked annuities. This is a level below which your income will not fall, irrespective of the performance of the investments.
• If the investment to which your annuity is linked is underperforming, your income could drop.
• Fluctuations in your income can make it difficult to balance your finances month on month.

Disadvantages of Investment Linked Annuities

Investment linked annuities are generally either: With-Profits or Unit-Linked.

Investment Linked Annuities Links

• Unit Linked Annuities
• With Profits Annuities

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  04-FEB 2012

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