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Image source: Getty Images<\/p>\n
Think you might not need to invest in a Stocks and Shares ISA or Self-Invested Personal Pension (SIPP) for retirement? It might be time to reconsider.<\/p>\n
You may have missed fresh research from the Pensions Commission last month. If you read it, you\u2019re unlikely to have forgotten its shocking findings. It found that up to 19m people in the UK are not saving enough for retirement.<\/p>\n
Should you buy iShares VII Public – iShares Ftse 100 Ucits ETF shares today?\t<\/p>\n
Before you decide, please take a moment to review this report first. Despite ongoing uncertainties from US tariffs to global conflicts, Mark Rogers and his team believe many UK shares still trade at substantial discounts, offering savvy investors plenty of potential opportunities to learn about.<\/p>\n
That\u2019s why this could be an ideal time to secure this valuable research \u2013 Mark\u2019s analysts have scoured the markets to reveal 5 of his favourite long-term \u2018Buys\u2019. Please, don\u2019t make any big decisions before seeing them.<\/p>\n
Even more alarmingly, it said this number could be even higher\u2026<\/p>\n
What did it say?<\/p>\n
According to the Pensions Commission:<\/p>\n
Many people are not saving enough for retirement, particularly among low and middle earners, the self\u2011employed and women\u2026 leaving large groups across the UK facing a severe cliff-edge when they retire<\/p>\n
The Commission\u2019s findings included:<\/p>\n
Only half of low-to-middle earners save at minimum Auto Enrolment levels for their workplace pension.<\/p>\n
Eighteen million people (equating to 45% of working-age adults) aren\u2019t contributing to a pension at all.<\/p>\n
Just 4% of self-employed people are saving for retirement.<\/p>\n
It left Minister for Pensions Torsten Bell to comment: \u201cTomorrow\u2019s pensioners [are] on track to be poorer than today\u2019s.\u201d<\/p>\n
Different ISAs<\/p>\n
Times are tough, and setting extra money aside for retirement is difficult for many people. It\u2019s not just that millions are \u2018sleepwalking\u2019 into pensioner poverty as a lot can\u2019t afford to save or invest as the cost of living rises.<\/p>\n
But it isn\u2019t impossible to build a healthy nest egg for retirement, even if you\u2019re starting your journey late. It depends on where you put your money, and whether you\u2019ve come up with a well-rounded investment strategy. It\u2019s possible that simply saving in a low-yielding Cash ISA won\u2019t get the job done.<\/p>\n
Why? The returns here have averaged just 1.21% a year over the last decade. If you want to get serious about building a financial buffer for retirement, you should consider focusing on a Stocks and Shares ISA.<\/p>\n
A better strategy?<\/p>\n
During the last 10 years, these products have provided an average annual return of 9.64%. They offer the same tax advantages of the Cash ISA, but by harnessing the power of the stock market they can generate significant retirement wealth.<\/p>\n
Even someone who invests \u00a3250 a month could build a pot of \u00a3181,213 after just 20 years, based on that 9.64% figure. That would then generate a \u00a312,685 passive income if invested in 7%-yielding dividend shares.<\/p>\n
To put that in context, that\u2019s more than the full UK State Pension currently provides.<\/p>\n
A top fund<\/p>\n
On the downside, the Stock and Shares ISA carries higher risk than its cash equivalent. But investing in a wide range of stocks significantly reduces the danger.<\/p>\n
Funds such as the iShares FTSE 100 ETF (LSE:CUKX<\/a>) are a simple way to achieve this, by instantly spreading investors\u2019 cash across hundreds of companies. It\u2019s also a pretty cheap one to consider \u2014 the ongoing charge here is 0.4%.<\/p>\n Over the last decade, the FTSE 100<\/a>\u2018s delivered a robust average annual return of 9.4%. This is thanks to solid capital gains and the passive income provided by dividend<\/a> heroes such as Legal & General, HSBC and National Grid.<\/p>\n Even well-diversified funds like this aren\u2019t immune to certain pressures. This fund could, for instance, drop if a global economic downturn dents the earnings of FTSE-listed shares. But looking long term, I\u2019m expecting its diversified collection of blue-chip companies to keep rising and generating big returns for ISA investors.<\/p>\n Should you invest \u00a35,000 in iShares VII Public – iShares Ftse 100 Ucits ETF right now?<\/p>\n When investing expert Mark Rogers and his team have a stock tip, it can pay to listen. After all, the flagship Twelfth Magpie Share Advisor newsletter he has run for nearly a decade has provided thousands of paying members with top stock recommendations from the UK and US markets.<\/p>\n And right now, Mark thinks there are 6 standout stocks that investors should consider buying. Want to see if iShares VII Public – iShares Ftse 100 Ucits ETF made the list?<\/p>\n Royston Wild owns shares in Legal & General and HSBC.<\/p>\n","protected":false},"excerpt":{"rendered":"Image source: Getty Images Think you might not need to invest in a Stocks and Shares ISA or…\n","protected":false},"author":2,"featured_media":615837,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[14],"tags":[84,4176,4174,4175,56,54,55],"class_list":["post-615836","post","type-post","status-publish","format-standard","has-post-thumbnail","category-personal-finance","tag-business","tag-finance","tag-personal-finance","tag-personalfinance","tag-uk","tag-united-kingdom","tag-unitedkingdom"],"_links":{"self":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/615836","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/comments?post=615836"}],"version-history":[{"count":0,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/posts\/615836\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media\/615837"}],"wp:attachment":[{"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/media?parent=615836"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/categories?post=615836"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.newsbeep.com\/uk\/wp-json\/wp\/v2\/tags?post=615836"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}