Planning Your Pension

Capital Growth

Solutions

CGS - Capital Growth Solutions

• Capital Growth Solutions specialises in providing personal portfolio management services with qualified and conscientious financial advice to private individuals and businesses internationally

• As professionals, we pride ourselves on the quality our service and the importance of building close relationships with all our professional clients

• CGS was built of 3 fundamental principles…

Investment Management


1st: Independence

WHAT IT MEANS TO YOU

• We work on Your behalf and not on behalf of the institutions

• Working on Your behalf means we are looking for the investment solution that will make a difference in Your life and will help You reach Your goals

• Being independent offers access to a wide range of investment options from many different institutions

WITH WHOM WE WORK

• Some of the worlds largest financial institutions in Switzerland, Luxembourg, Jersey, Guernsey and Isle of Man.

WHAT ARE THE ADVANTAGES?

• Tax-free growth• Confidentiality; the institutions are

by law not allowed to disclose any information about their clients to any third party

• Security; Stringent financial laws and guarantee protection on your capital

• Portability; One plan you can take where every you go

2nd: Security


Who we work with… Our Affiliates

HANSARD EUROPE

HANSARD INTERNATIONAL


LONGTERM INVESTMENTS REQUIRE LONGTERM RELATIONSHIPS

I WILL BE IN CONTACT WITH YOU ON A REGULAR BASIS, TO:

Review: Your existing investment portfolio

Advise: You on any changes and/or redirections from your existing holdings to new ones you may wish to make

Update: Give You an update on the current market situation and introduce new products which may be of interest

3rd: Service - Building a closer relationship


How you should be structuring your

money over time…


Short - Medium Term Savings Long Term Savings

• Mutual Funds• Equities• Property• Bonds• Other investments

INCOME

1-3 months Lifestyle money

0-2% 10% +2-4%30 - 90 days deposit

Drawing Your Pension

6 - 12 months“Rainy Day”

money

How you should be saving

1 year + money


Short Term You need to have access to cash for immediate

obligations like monthly bills, mortgage, travel…

Medium Term Larger projects or obligations which will require

more of your savings

Why save like this…

There is a trade off between how accessible your money is and how much you may receive from it

Greater time span = Greater return


Why start today?


Projected Growth of £125 at 9%


Your financial contract is with financial institutions and not with CGS

We never charge a fee

When You are satisfied with our service we ask You to introduce us to people who can take advantage of our expertise.

Institutions pay CGS for servicing clients

CGS pays my income

The way we work…

FIRST MEETING• Introduction presentation• Personal financial

evaluation

SECOND MEETING• Present proposed solution

THIRD MEETING• Completing the paper work


Make up for the ‘shortfall’

WA

GE

S

Savings Short Fall

Salary over time

Age6541 80+

State Pension

YOUR PRIVATE

PENSION

Age vs. Salary

We will help design a ‘master pension fund’ to pay you X amount for every year after you stop working. In essence, you will still be drawing a pay check but it is one you have planned for yourself.

State Pension


Amount of Units Owned

Age6541

Structure of Offshore Savings Plans

MO

NEY

Savings Short FallState

Pension

YOUR PRIVATE

PENSION

Common Offshore plan structure

Initial Contribution Units

(First 18-25 months)

Accumulation UnitsUnits bought after ICP is over

(Flexible access)

Increase contributions or add single payment, e.g. a bonus

Access your accumulation units to pay for a house or

child’s educationAfter Initial Period you can…


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Sector Risk Evaluation €


€ 1,005,000

€ 24,000€ 240,00010% Growth Rate

5% Growth Rate

Market returns over longer term

Closer to retirement = less volatile investments€

480,000

What will you need annually?

Don’t forget inflation. Western inflation is just around 3%; In 25 years you will need € 2.09 for every € 1 today (x 2.0938)

Master Fund

€ 50,250 p.a.

Value in 25 years

How much do you need in the ‘Master Fund’?

Assumed amount needed per month

€ 2,000


Interest Rate: 3%Amount required

per month: € 2,000

10% = € 240,0005% = € 480,000

Number of Years: 25Factor = 2.0938

Total Amount needed to fund

retirement € 1,005,013

Master Fund needed to meet this requirement at:


Any Questions

?Liam Crow – IFA (MBA)

Capital-Growth-Solutions.comBudapest Hungary

Office: +361 301 0199Mobile: +3670 549 4528l.crow@capital-growth-

solutions.com

Documents

Planning Your Pension