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CCL Investment Planner The best holistic planning tool available for the IFA of today

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... to the investment following the repayment of the mortgage (see the Notes panel) ... Fax No: 0845 490 0201 Web Site: www.ccl-uk.com ... – PowerPoint PPT presentation

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Title: CCL Investment Planner The best holistic planning tool available for the IFA of today


1
CCL Investment PlannerThe best holistic planning
toolavailable for the IFA of today
Savings Pensions Investments
Bonds ISAs Draw-Down Schemes
Mortgages Bid/Offer Spread Target Funding
Long-Term Care Equity Release and
many more options
This software is simple-to-use and creates
multi-functional spread-sheets without effort -
plus colourful graphs.
Investment Planner Target Funding is 235.00
inclusive of VAT or available as a component of
PlanPack which you can buy for only 470.00
inclusive of V.A.T.
2
Click or Space to Continue
First we will set up the spread-sheet to show the
period of the plan. Here we have entered by age
from 43 to 95 years the maximum range is 200
years.
3
Click or Space to Continue
We have also personalised the plan with the
clients name and selected an appropriate growth
rate. The default growth rates are 5, 7 and 9
but you can change any or all of these at any
time.
4
Click or Space to Continue
We have now entered the current value of the
clients existing investments. If required, each
item can have a description entered in the box in
the bottom left of the screen.
5
Click or Space to Continue
Current or future planned investments can now be
entered in the Annual or Monthly columns. You can
also index these at any annual rate chosen by the
client or advised by the IFA.
6
Click or Space to Continue
Levels of investment or even the scale of
indexation can be changed at any time. Here we
see an increase to the investment following the
repayment of the mortgage (see the Notes panel).
7
Click or Space to Continue
You can also take an investment holiday or
cease investment completely at any time. Here we
show that the client wishes to make no further
savings after retirement age.
8
Click or Space to Continue
Single investments or one-off draw downs of funds
can also be entered. Here we see that the client
is planning to move to a smaller property after
the children leave home. Or he may be planning to
buy a holiday home.
9
Click or Space to Continue
You can either enter the amount of income the
client wants (indexed if required) and see when
the money runs out or, as here, enter a
percentage to draw from the fund to see what you
can safely take as income.
10
Click or Space to Continue
Here we have scrolled down to the bottom of the
plan to see what happens if the client requires a
pension of 25,000 pa on retirement indexed at 5
each year. Note the shortfall from 82 onwards.
11
Click or Space to Continue
If preferred, you can also display and plane as a
graphical representation of the same
situation. This can often be a simpler way of
showing a client that a plan does (or doesnt)
work.
12
Click or Space to Continue
We have now inserted the anticipated Tax-Free
Lump Sum from the clients occupational
pension. Any number of single, annual or monthly
payments can be added to each plan.
13
Click or Space to Continue
On the above screen, we have added the assessed
annual State Pension entitlement calculated by
Simplicity and added this to the plan, using the
clients view of how much this increases each
year (here it is 1.5).
14
Click or Space to Continue
These additions also make a major difference to
the Graph which you can click onto using the
button at the top left of the screen and then,
just as easily, click back to the Spreadsheet.
15
Click or Space to Continue
Having saved the previous plan, we have now
set-up another scenario (You can have as many as
you like). Here we see a pension plan with a 200
pm contribution, les 5 B/O spread and a 1
management charge.
16
Click or Space to Continue
The client states that, at the age of 65, he
would like to have a fund of 500,000. Assuming
that money devalues at 2 pa, what monthly saving
is required in each year, assuming a 4 pa
indexation of the amount saved?
17
Click or Space to Continue
Target Funding has now worked out what fund is
required in 33 years to be the equivalent of
500,000 today and the level of monthly savings
needed today and in each year up to 65 years old
to achieve this Target Fund.
18
Click or Space to Continue
However, if the client incorporates his current
investments in the plan by inserting the value,
as above, this will immediately reduce the amount
of monthly savings required today and in each
year up to 65.
19
Click or Space to Continue
And above, we have also inserted the anticipated
Tax-Free Lump Sum from the clients occupational
pension. This further reduces the amount of
monthly contributions required to reach the
Target Fund.
20
CCL Investment PlannerThe best holistic planning
toolavailable for the IFA of today
Investment Planner Target Funding is 235.00
inclusive of VAT or available as a component of
PlanPack which you can buy for only 470.00
inclusive of V.A.T.
CCL Software Limited Battenhall Lodge, 60
Battenhall Road, Worcester, WR5 2BX
Sales Desk 0800 0199 853 Email Address
info_at_ccl-uk.com Fax No
0845 490 0201 Web Site www.ccl-uk.com
21
(No Transcript)
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