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In many cases, the end of the year gives you time to step back and take stock of the last 12 months. This is when many of us take a hard look at what worked and what did not, complete performance reviews, and formulate plans for the coming year. For me, it is all of those things plus a time when I u...
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Private Pension Sources Will Become More Important in the Future Says Think Tank

LONDON, January 14, 2013 /PRNewswire/ --

REFORM says financial products enabling people to convert assets into income streams, such as equity release, will become more important in the future

According to a new report published by independent non-party think tank REFORM, as the UK struggles to deal with an aging population, the baby boomer generation and beyond will have to look to private streams of income to fund retirement. The UK government is already feeling the pinch and as a result it has cut back on public spending while at the same time raising taxes.

Currently the government picks up the slack where consumers fall short. For example, in 2009 the UK government was responsible for 83.2% of the total spending on health care and 49.8% of pensioner incomes. Work and private capital were responsible for just 11.9% and 38.3% respectively of pensioner incomes. But this will have to change says REFORM.

REFORM says there will need to be a greater emphasis on personal financial support using products such as equity release.

Equity release is a simple financial product designed to unlock cash metaphorically 'locked up' in a homeowner's property. Despite being cash poor, many retirees are sitting on virtual pots of gold as their homes are worth hundreds of thousands of pounds; many of these retirees are completely mortgage free. Equity release schemes often work in a similar way to mortgages; a loan is given based on the value of the property, with regular cash withdrawals also available. There are various types of equity release plans to choose from, each offering different benefits.

Bower Retirement Services is one of the leading equity release advisory firms in the country. It can assist in choosing type and provider of equity release and BRS equity release is completely impartial and unbiased. Equity release can be suitable for pensioners as they offer income during retirement as well as large lump sums to cover, for example, overseas holidays and clearing any outstanding debts.

However, all the while REFORM predicts total pension spending by the government will rise from 5.7% of GDP in 2011-12 to 7.3% from 2051-52 but that there are questions surrounding where this extra funding will come from. With greater numbers of people in retirement vis-à-vis employment, funding a pension scheme similar to those currently in place is going to be a real challenge. Equity release plan could help to bridge the retirement funding gap.

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