Posts Tagged ‘Teacher Retirement Plan’

How to make Teacher Retirement Plan Gains from a Falling Market.

When investing for your teacher retirement plan there is a common misconception that the value of your units must constantly rise to make gains from a unitised investment. However, over time this can be proven to not be the case.

Consider the following scenario where gains for your teacher retirement plan are made from a falling market because you are able to buy a larger number of units. You then benefit from an upturn in the market, which gives you a greater return on your investment – and a smart teacher retirement plan.

As can be seen from the illustration althouigh the final unit price can be lower as more units have been bought the total investment value is higher.

Contact us for more information on how we can help with your Teacher Retirement Planning.

Advisor
Teacher Retirement Plan

Teacher Retirement Plan – Investment for the Long Term

Teacher Retirement Plan – Think time, not timing

What puts some people off stockmarket investment for their teacher retirement plan is the fact that market fluctuations could mean they lose money. This is why it is recommended that investors should take the long term view of their teacher retirement plan– typically at least five years or more. Indeed, past experience has shown that, the longer you hold a teacher retirement plan investment for, the smaller the likelihood you will lose money and the greater the chance you will make money.

Research, covering a 30 year period, is illustrated here and considers all 349 possible monthly start points over that period. As you can see, an investor taking a five year view would have made money in the vast majority of instances from a UK teacher retirement plan portfolio. For those taking a ten year view of their teacher retirement plan they would have made money in all instances.

However, please note that past performance is no guarantee of future returns. The value of a stockmarket investment and the income from it can go down as well as up. You may not get back the original amount invested.

Teacher Retirement Plan – Don’t let the downs get you down

It is quite common to be distracted from your long-term teacher retirement plan investment goal by short-term market fluctuations. This is particularly so at times of uncertainty – it is only natural to be concerned about making an investment, or even consider selling existing investments, when stockmarkets are falling.

However, many experts agree that investors will usually be better off resisting the temptation to make changes to their long-term teacher retirement plan investment strategy in reaction to short-term market movements.

This is because it’s too easy to miss the gains. Just as sharp falls in stockmarkets tend to be concentrated in short periods of time, the best gains are similarly concentrated. Because these gains often occur just before, or after, a market fall – an investor who tries to time investments for their teacher retirement plan is highly likely to miss the best gains. It makes little difference over the long term Research has shown that, over the long-term, choosing the ‘right’ day to invest makes surprisingly little difference. This research shows the returns from three different hypothetical investment strategies – all investing in UK equities:

1. Investing each year when the market is at its lowest – the ‘best’ strategy
2. Investing each year at the market high – the ‘worst’ strategy
3. Investing at a random date (1st January) – a typical investor’s strategy

Not surprisingly, adopting the ‘best’ teacher retirement plan strategy of investing at the market low has produced the highest annual return. However, the difference in returns between all three strategies is remarkably small.

Source: Fidelity’s research 1.2.73 to 1.2.03. Standard & Poor’s. FTSE-A All-Share Index with net income reinvested. Cumulative returns over 1, 5, and 10 years on all eligible time periods at one month start intervals.

Teacher Retirement Plan

Teacher Retirement Plan – New Year Resolutions

Wishing all teachers a very happy and prosperous New Year from Teacher Retirement Plan advisor.

Out with the old year and in with the new – Have you made your New Year resolution(s) yet?

Maybe you should be reviewing your Teacher Retirement Plan?

Here are the top ten most popular New Year resolutions:

10th – To get more organised (time to review your teacher retirement plan?)

9th – To help others

8th – To learn something new (learn more about effective teacher retirement planning?)

7th – To get out of debt (Teacher Retirement Plan advisor can help you with that too)

6th – Stop drinking (for a healthier teacher retirement)

5th – Enjoy life more (enjoy your retirement with an effective teacher retirement plan)

4th – Quit smoking (instead of sending money up in smoke put it towards your teacher retirement plan!)

3rd – Lose weight (for a fitter and healthier retirement)

2nd – Get fit (for a fitter and healthier retirement)

1st – Spend more time with loved ones (An effective teacher retirement plan will mean you can afford to stop working and spend more time with your loved ones)

Whether you have made one of these your resolution or chosen something different you owe it to yourself and your loved ones to review your own teacher retirement plan.Peace of mind for a happier and healthier retirement.

For further information please ask us. 

Advisor
Teacher Retirement Plan

Teacher Retirement Plan – Invest in your Future Now

They say that money makes the world go round.

So will your retirement be spent on a cruise ship or a rollercoaster?

We cant’ promise you the life of luxury in retirement that everyone dreams of, but we can help you ensure that financially it’s not a rollercoaster ride.

By starting your teacher retirement plan early you can build up a far larger fund for retirement than you might otherwise do.

See for yourself …..

The diagram figures are based on starting ages of 25 and 35 respectively, contributing £300 per month from their 25^th and 35^th birthdays, until a retirement age of 55 is attained. The projected retirement values assume a growth rate of 9% per annum and that no withdrawals are taken.

It is interesting to note that to create a projected retirement fund of £468,000, a 35 year old would need to contribute £800 per month – an increase of £500 per month over the 25 year old.

Save yourself money – Start your Teacher Retirement Plan and Invest in your future now

For more information simply ask us!

Advisor
Teacher Retirement Plan

Cost of delaying your teacher retirement plan

Maintaining your standard of living in the future is likely to be a key element of your teacher retirement plan. However, delaying the saving process can have a dramatic effect on the value of your funds on retirement. The longer you delay starting to save for your teacher retirement plan, the higher the premium required to achieve a particular lump sum.

For illustrations on the cost of delaying your teacher retirement plan please click:

PREMIER – The Flexible Savings Plan

THE MESSAGE IS SIMPLE…

THE SOONER YOU START

SAVING THE BETTER

Teacher Retirement Plan Premier Savings Plan

PREMIER – The Flexible Savings Plan with optional protection benefits is a sensible option for your Teacher Retirement Plan. It also allows you to meet a range of financial needs such as education fees planning, mortgage repayment or any other future commitments. Premiums into the Premier Plan may be paid in sterling, US dollars,
euro or HK dollars.

For further details contact us using the ‘Ask us a Question form’

Advisor

Teacher Retirement Plan

Teacher Retirement Plan – Why Plan for Retirement?

This is an often asked question when discussing a teacher retirement plan and options. Despite the constant news coverage of impending doom in regards to State Pensions many teachers are still counting on their National Insurance payments as a teacher retirement plan to support them through their retirement. The sad fact is that it’s simply no longer possible because the money just isn’t there. Sadder still is the fact that even if the money were there, it is doubtful that it would be enough to get the average teacher through their twilight years.

Peoople are living longer than they have in decades past. In addition to longer lives we are leading more active lives. Gone are the days when retirees sat at home reading newspapers and mowing the lawn every other afternoon. Today’s retirees are traveling, taking classes, learning to dance, and trying new things that they didn’t have the opportunity to experience while setting aside funds for the future and going about the business of raising their own families. Now they are taking the time to do all these great things and these wonderful activities and pastimes require funds in order to enjoy. A good teacher retirement plan is therefore essential if you are planning on an active retirement.

Teacher Retirement Plan – Starting Early

Indeed, this is the number one reason you should begin your teacher retirement plan as early as possible. Not only do you need to set aside funds for your retirement but you also need to make active plans on methods by which you can invest those funds in order to maximize their potential. This is the time that it is best to take your plans, goals, and concerns to a reputable financial planner for knowledgable advice on setting specific goals, better defining your teacher retirement plan, and making the most of your investment means while establishing a realistic investment strategy that will not leave you feeling strapped for cash month after month.

Teacher Retirement Plan – Financial Advice

It is easy to overlook the important role that a good financial planner and good planning play in our financial futures. The same could be said of your teacher retirement plan. You need to take every opportunity that is available to you in order to maximize the value of your money. A good financial advisor will know of funds and strategies that you have never heard of. It makes sense to go to an expert when it concerns your family’s future. You consult experts when it comes to matters of law, health, and taxes – why on earth shouldn’t you see an expert to advise you on your teacher retirement plan?

Why is it so important to have a teacher retirement plan? The long and short answer to this question is so that you won’t end up needing a job in order to put food on your table once you’ve reached retirement age. The sad truth is that many of our retired teachers are finding themselves strapped for cash financially and barely able to make ends meet. If they are fortunate enough to have homes that are paid for, they often find the property taxes are a little more than they can handle without some sort of assistance. Medications can be expensive despite government programs to keep costs down for our elderly, and then there are those who are simply living longer than their original retirement plans had accounted for. Combine all these factors with the fact that the cost of living has gone through unprecedented increases over the last two decades and you have some very real reasons to make sure you have an adequate teacher retirement plan.

It is best to begin by making your teacher retirement plan as early as possible. It is not impossible to recover, however, if you begin the process a little later. The problem is that you will need to make some extra investments along the way in order to make up for lost time. The sooner you begin making your teacher retirement plan for your financial retirement the healthier your retirement options will be. The best way to go about this is to define your retirement goals, make plans, and then take your goals and plans to your financial advisor for expert advice and implementation. Remember, investing smarter is much wiser than investing harder.

For further advice on your teacher retirement plan or our comprehesive health and travel insurance options please contact us at the SCI Group by using the ‘sign up’ form in the sidebar.

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Teacher Retirement Plan

Teacher Retirement Plan – Can You Afford to?

There are levels of preparedness when it comes to looking down the road at your teacher retirement plan and how much you will need when you get there. The basic level of teacher retirement plan is to match the payments made by your school, to keep your National Insurance Contributions flowing, buy some life insurance and let it go at that. This system has been proven to work so there is reason to call this a bad teacher retirement plan. After all, if you began preparing for retirement in your early adult life and stayed with it, you will have a resource to retire on and that’s a good thing.

Teacher Retirement Plan – Which Contributions?

More recent Global economic developments may place the above teacher retirement plan strategy at risk. A couple of reasons why this may be the case:

Many International School Teachers are not making pension scheme contributions and are losing out on contributions made by their school – often throwing away in excess of £2,000 per year!

Many International School Teachers continue to make their National Insurance Contributions in the belief that they will be able to afford to retire at 60/65. However, recent developments show that the ‘pension pot’ is decreasing whilst the number of retirees is increasing. As a consequence retirement ages are rising. Bank on this for your teacher retirement plan and you will probably not be able to retire until you are over 70, and on a much reduced retirement pension.

Teacher Retirement Plan – The Next Level

But there is a way to take your teacher retirement plan to the next level and that is to actually start putting some flesh and bones on your vision of your retirement and get a feel not only for the fact that you will retire but how you expect to live in retirement. Very often, we have idealistic visions of retirement life based on media images or the fantasy life of living in luxury and having little to do but golf in the morning and drink champagne and eat caviar all afternoon. So if you can get a realistic view of what you have as your expectations for retirement, you can start making adjustments to your teacher retirement plan right now.

Start with how you see your retirement lifestyle working. If you want little more than a manageable retirement apartment, a cat and the chance to knit or watch Corrie without interruption, that is a fairly modest retirement lifestyle to prepare for. But you may have adventure and high living in your retirement dreams. So if world travel or living in a luxury setting is part of that dream, only one person is going to make that dream a reality and that is you.

Teacher Retirement Plan – Your Aspirations

An simple teacher retirement plan exercise that is fun and eye opening is to detail every aspect of your dream life in retirement. Start by picturing your living conditions. Include your diet needs and wants as well as any entertainment and recreational needs you expect to be a part of retirement. For example, if you know that you will want to go on long fishing adventures several times a year, you may need a caravan and the finances to support taking off for the most scenic spots within driving distance to kick back and enjoy the fishing. So include the physical and financial needs for that lifestyle in this “detail” step of your teacher retirement plan.

You can complete the exercise by getting to such a level of detail that you could go out and price the dream in today’s currency. Then when you take your “dream retirement shopping list” out into the open markets and use retail locations, catalogs and internet sites to actually find out how much it would cost to have that retirement today. That will shed a lot of light on your current retirement preparations and whether your teacher retirement plan really measures up.

Now, the real cost of those different components will be much higher when you actually get to the point of retirement. You could try to factor in inflation and make those kinds of adjustments. Or you may assume that your retirement life style will be less expensive than your current lifestyle and your daily needs less demanding.

One thing for sure is the need for an adequate teacher retirement plan that takes all these factors into consideration.

Contact the SCI Group for the expert help that you need for a teacher retirement plan that works.

Advisor

Teacher Retirement Plan

Teacher Retirement Plan – The Right Choice

As a teacher there may be many ways in which you can plan for your financial retirement. The first step in making the right moves is to create a concrete teacher retirement plan of action that you can follow as a family. Many people focus too much on the now or too much on the later and find it very difficult when it comes to having a happy medium for savings and investing and creating a solid teacher retirement plan.

Teacher Retirement Plan Goals

Throughout your life as a teacher you will have both long and short-term goals that need to be assessed, addressed, and often revisited. Whether you need to find a way to pay for your children to attend college, home improvement projects, or a method for saving for your teacher retirement plan you can find information and assistance for all these things and so much more if you seek the services of an experienced an trusted financial advisor.

Teacher Retirement Plan Financial Advisor

A good financial advisor will help you find that teacher retirement plan balance that so many teachers and families lack. They will also help you assess your means in comparison with your long and short-term needs and advise where your funds would experience the greatest return in order to suit your specific teacher retirement plan with minimal risk. It is important to remember that seeking the help of a financial planner or advisor does not eliminate the risks that are an integral part of investing but it does help you learn to better calculate those risks for a more solid teacher retirement plan.

Investing can be a risky business. Learning how to weigh the odds and go for the prize is the best way to earn the biggest possible return on your investment no matter how modest your investment may be. We are all starting from different means, isn’t it amazing to know that we could all end up with very similar abilities when all is said and done and we are living out our ‘golden years’?

Good financial planning and a healthy teacher retirement plan is the key to success when it concerns your financial retirement. It is comforting to know that there are options and assistance that is available to help you get started on your teacher retirement plan no matter how late in the game it is. Even better is the knowledge that limits are lifted a little once you reach the age of 50 and retirement becomes much more imminent. This allows those who got a late start on their teacher retirement plan or who have hit a speed bump or two along the way the opportunity to ‘catch up’ on their investing and work up to the place they need to be in order to establish a more comfortable retirement for themselves and those they love.

Teacher Retirement Plan with SCI

The SCI Group offer some of the best teacher retirement plans with the most attractive benefits your money can buy at the moment. They certainly allow you to make the maximum possible investment for your money. If you aren’t taking your school up on their offer to match your investment in a teacher retirement plan then you should seriously rethink that thought. Seriously, you’re throwing away free money.

When it comes to the murky water of retirement investing and creating your teacher retirement plan it helps to have a guide to get you through. Utilizing the services of the SCI Group may be the best move you’ve ever made in your life when it comes to the financial health of your family and your retirement.

For further information about an SCI Teacher Retirement Plan or Teacher Health and Travel Insurance please contact us using the ‘sign up’ form on this page. One of our experienced financial advisors will then contact you with further details.

Best wishes,

Advisor
Teacher Retirement Plan


Teacher Retirement Plan – August News

Dear Teacher,

Welcome back from the summer holidays. We hope you all had a relaxing holiday and that you are ready for the year ahead. This particular Newsletter has a focus for Teachers in Thailand. For all new teachers to Thailand welcome to the Land of Smiles from all of us at the SCI Group.

The aim of the teacher retirement plan blog is to provide our clients and other teachers with updates from the world of finance, such as our teacher retirement plan , health and travel insurance etc.. In this issue we will also keep you posted with upcoming events for International School Teachers in and around Thailand.

If you have any information that you would think would be interesting to other teachers then please let us know and we will be happy to distribute the information accordingly (irt doesn’t necessariloy have to be about teacher retirement plan !

Teacher Retirement Plan School of the month – Luanda International School, Angola

The SCI Group are proud to sponsor the football team of Luanda International School, Angola. We wish them well in their endeavours for the year ahead. For more information on the school visit www.lisluanda.com

Bangkok Teachers Club

The SCI Group have been keen sponsors of the various events held by the Bangkok teachers group.  The events are organised as a social event for International school teachers from all over Bangkok to meet teachers from other schools. If you would like to join this ever growing group of teachers in Bangkok please contact us for further information.

The next event is planned for September – So register your interest today!! (You can even exchange teacher retirement plan experiences)

It’s a great way for new teachers in town to get to know people!!!!

Holiday Time – already?

It may be just the start of term but many of you will already be planning your next trip away.

The SCI Group is able to offer annual worldwide travel insurance to teachers. From $180 USD per person, per annum you can enjoy your holidays safe in the knowledge that your insurance needs are covered should the unplanned happen during your trip away.

Please contact us for a quotation or easy application process.

British teachers – New and old

Whether it is your first post overseas or you have decided to give your finances an overhaul, hopefully you will find our information for British teachers moving overseas interesting. The information is updated every year to ensure our clients and new teachers keep up with the changes back home should they wish to.

Topics covered in the information are:

• Teachers Pension Scheme (UK)
• Teachers retirement plan whilst living overseas (International)
• Mortgages
• Life Insurance
• Wills and inheritance tax

Please contact us if you would like to receive the latest version.

Teacher Retirement Plan – Have you moved?

If you are an existing SCI Client that no longer lives in Thailand and have forgotten to let us know, please contact us to let us know where you are so we can keep in touch with you and arrange a visit to your school. Don’t forget the need to keep on top of your teacher retirement plan

For new teachers and existing clients please feel free to contact us to arrange an appointment with one of our advisors. Just drop us an email in the form opposite

If you think this information would be useful to your colleagues old and new please feel free to send it on to them.

Have a great year and we look forward to seeing you all soon.

Advisor
Teacher Retirement Plan

Teacher Retirement Plan

An important part of any Teacher Retirement Plan is to ensure diversification. Whilst many look to the west for stability maybe things have changed as the emergence of China as the the worlds second largest economy.

Teacher Retirement Plan – China Growth

China – Japan lost its place as the world’s second-largest economy to China in the second quarter as receding global growth sapped momentum and stunted a shaky recovery.

Gross domestic product (GDP) grew at an annualised rate of just 0.4 percent, the Japanese government said on Wednesday, far below the annualised 4.4 percent expansion in the first quarter. The news added to evidence that the global recovery is facing strong headwinds.

The figures underscore China’s emergence as an economic power that is changing everything from the global balance of military and financial power to how cars are designed. It is already the biggest exporter, car buyer and steel producer, and its global influence is growing.

China has been a major force behind the world’s emergence from recession, delivering much-needed momentum to the U.S., Japan and Europe. Tokyo’s latest numbers, however, suggest that Chinese demand alone may not be enough for Japan or other economic giants.

“Japan is the canary in the goldmine because it depends very much on demand in Asia and China, and this demand is cooling quite a bit,” said Martin Schulz, senior economist at Fujitsu Research Institute in Tokyo. “This is a warning sign for all major economies that just focusing on overseas demand won’t be sufficient.”

China has surpassed Japan in quarterly GDP figures before, but this time it is unlikely to relinquish the lead. An ideal climate for teacher retirement plan growth.

Teacher Retirement Plan – In Africa

This month our advisers are visiting clients throughout Africa and Asia.  We regularly visit clients in Zambia, Kenya, Tanzania, Angola, Uganda and Malawi.

For further information regarding our teacher retirement plan please add your name and email address to the sign up form. One of our experienced teacher pension plan advisors will contact you to offer further advice.

Advisor

Teacher Retirement Plan