HomeWelcome to the Investment Sense Retirement Centre.
You have saved hard to build up your pension fund, now you have the difficult decision of how to create an income from it.
However, you are faced with a series of frankly bewildering choices, leading many people to simply take the Annuity offered to them by their existing pension provider, leading to years of lost income.
We believe this is wrong and here at Investment Sense, we are passionate about ensuring you get the best possible income from your pensions, that is why we have joined the industry wide Offer More Options campaign and created our Retirement Centre. 
You will find a wide range of resources in our Retirement Centre, all of which are free for you to use as much as you like, and designed to give you more information about the options available to you.
Approximately 1 in 3 people do not take advantage of the Open Market Option facility (Source: Pension Income Choice Association) and simply take the annuity offered to them by their current pension provider without looking at the alternatives.
Many people know that Income Drawdown, also known as Unsecured Pension, is an option but immediately dismiss it due to risk, fund size or perceived high charges. There is less knowledge of other annuity based options such as enhanced annuities where health and lifestyle issues are taken into account and also Third Way Annuities, also known as fixed term annuities, which offer more flexibility in the future but with a guaranteed income.
Even if an Annuity is chosen, once other options have been discounted, the benefits of shopping around and getting the Annuity provider to consider any illness you may have or factors relating to your lifestyle can seriously increase your income.
Click here to see how an Enhanced Annuity can improve your income
When taking an income from your pension you have three basic options, though of course it isn’t that simple. Follow the links below to learn more about the different options you have and the pros and cons of each route:
Our independent online Annuity Calculator will help provide you with real time, accurate quotes, from a wide range of Annuity providers, it is free to use and a great starting point when trying to assess your options.
Click here to visit our Annuity Calculator
Additionally you can contact us to discuss your requirements in more detail, remember we will deliver our advice to you at no cost, we only charge for implementation of the advice and we are happy to work on a commission or fee basis. Call us on 0845 074 7778 or complete the enquiry form on this page.
Learn more about how we give advice
Whatever route you pursue, take advice. The decisions you make will effect your income for the rest of your life.
