Retirement and Pension Plans



Choice in action - your retirement / pension plan


You may want to put some money aside to serve as part of your pension during retirement and you need to be able to find the best way to make that money grow. But you also need to know that you have the flexibility to react to the inevitable changes in your personal circumstances throughout your life - either by being able to add to your investment or by gaining access to your investment funds if you need them.


Name: Edgar James

Age: 50

Marital Status: Married

Dependants: Wife Hilary (46) and two daughters Helen (22) and Laura (20)



Investment Product: Generali Choice



How Generali Choice can help:

Edgar is planning to retire from work in 10 years' time but up until now has paid little notice to his retirement planning. Having received a windfall from the sale of company shares and having received an inheritance following the death of a close uncle, Edgar has a lump sum that he has decided to use to put that right.


Generali Choice offers the ability to select from over 200 investment funds, catering for a wide range of risk profiles. This means that Edgar can select a mix of funds to balance his attitude to risk with the potential for growth. There are no local taxes deducted on plans in Guernsey, where Generali Choice is domiciled, which is an important factor to consider when looking to protect investments. This can also ensure greater potential for growth to achieve a retirement fund, which aims to generate an income that will allow him to maintain his living standards and satisfy his appetite for international travel when he retires.


With Generali Choice, he can make additional contributions to bolster the plan as he nears retirement but can also adjust the investment profile as time goes by, with free* switching of the underlying funds. Edgar can enjoy the benefits of his Generali Choice plan whenever he chooses** and can decide whether to take a lump sum, a regular income or a mixture of the two.


* No switch fees currently apply but Generali International reserves the right to change this.

** Early surrender penalties may apply.



Please note: The information in this case study is for information and illustrative purposes only and does not constitute legal or financial advice. Generali Choice Terms and Conditions must be read along with the full Product Brochure and Details Guide and advice sought from your Financial Adviser before any investment decision is made.



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