The thought of the word "pension", sends a shiver down most peoples spine…….unless you are an MP or Civil Servant, with the best pension OUR money can buy!

Let's face some key facts about UK Pensions:

* The income generated within a pension is taxed.
* The income we take from a pension is taxed.
* At some point we have to buy an annuity and our capital is lost.
* If we provide for ourselves we can lose State Benefits at retirement.
* Insurance Companies profit from "managing" our investments and they pay tax on their profits!
* If we create too much wealth in our pension, (£1.5m), we are not allowed to contribute further.
* We cannot invest in overseas residential investment property using our pension fund.
* Unless you are a sports star, you have to wait until at least age 50 to take your pension.

There is a pattern emerging here, the Government earn a fortune in tax from the UK pension market and we, the private sector, not only have to put up with this, but we have to help fund the bloated pensions of the Public Sector!

The good news is that there is a very good alternative... buy an investment property in Dubai. The concept is simple. You invest a deposit in a property, rent it out for say 10 years and clear the mortgage. Then you can enjoy the rental income ("Dubai Retirement Fund").

I have selected Dubai for this exercise, simply because it takes a lot to beat it. Here are just a few pointers as to why it might be a good location to base your investments.

* It is totally tax free, that's correct, no CGT, Income Tax or grubby Chancellor after your money!
* The population is continuing to grow faster than they can build property.
* Forecast GDP indicates continued economic growth and thus rental demand of property from Employers seeking to recruit and locate staff.
* Geographically acts as a trading zone for East and West.
* Property prices still relatively low.
* 70% mortgages allow you to achieve "gearing" of your investment, thus the growth return can be spectacular.
* On selected investments guaranteed rental returns are available.

So now you have grasped the concept, let me demonstrate some figures to you which illustrate the massive benefits of creating your very own "Dubai Retirement Fund".

UK Pension
£18000 invested over 10 years and 15 years respectively:

Fund after 10 years: £24,600 Income produced annually: £724
Fund after 15 years: £29,000 Income produced annually: £943

Notes: Figures taken from Standard Life on line calculator, based on male aged 40. All figures assume 2.5% RPI and 7% annualised growth and 50% widow's pension. Pension RPI linked. All figures illustrated in today's terms.

"Dubai Retirement Fund"
£60000 property purchased, with £18000 deposit and £42000 capital repayment mortgage.

Value after 10 years: £60,000 Income produced annually: £4,800
Value after 15 years: £60,000 Income produced annually: £4,800

Notes: It has been assumed that both the capital and income failed to grow over the terms to represent values in today's terms. The 10 year example is based on a mortgage at 8% interest and the 15 year example is based on a mortgage rate of 7.5%. In the event of death, 100% of the rental income would continue as income. The capital at the end of the term would continue to vest in the owner's estate.

Now, let's summarise the differences, whilst excluding the fantastic capital and rental growth opportunities: After 15 years the value of your Dubai property would be £60,000 paying £4,800 annual income. The UK Pension would have a value of NIL, because you have to trade your fund for an annuity of only £943 pa, which is less than 20% of the Dubai Retirement Fund! It's a really difficult decision isn't it?

In reality a lot of research has to be undertaken to ensure only the best properties are selected, which is where our team of specialists are well placed to help you.

The choice is now yours if you wish to make plans for your future wealth:

• Bury your head in the sand and hope that you won't grow old!
• Invest in a UK Pension and provide the chancellor with plenty of tax!
• ACT NOW and invest in a "Dubai Retirement Fund".

Thought you knew what Bulgaria had to offer?.... you haven't seen this !

Luxury Alpine Style Villas near Dolna Banya, Bulgaria.

The first phase release consisting of only 21 uniquely designed 2 and 3 bedroom detached houses.

* Prices starting from just €140,112 euros ( includes VAT)
* 70% LTV mortgage available
* Very good Payment Terms

Option 1 : Reservation of €2,500 will secure a property. Then 30: 70

or

Option 2: Reservation of €2,500, then 30: 40: 30

Why buy?
Unique property design with only 64 Villas in the whole development.
Located close to the beautiful town of Dolna Banya , which is a well-known spa town in the Rila mountain range.

Just 45 minutes from Bulgarias up and coming capital, Sofia , and the airport and just 15 minutes drive away from the exceptional ski resort of Borovets.
One of the few developments on the market consisting of detached 2 and 3 bedroom houses set within their own substantial private plot
Overlooking the much anticipated IBAR Golf Club & Spa in a small secure, gated community.

The development will be built in accordance with The CarbonNeutral Company protocol to work against climate change and promote an environmentally friendly development. Substantial capital gain is expected due to its prime location and the huge investment planned for the region.

From only €42,034 down payment now and then only €750 per month. 70% mortgage available through the UK 's leading Bulgarian Mortgage Specialist. Great attention to detail has gone into the design of the houses, with locally sourced modern stone and wood facades and state of the art technology within.

Why Dolna Banya?
The beautiful spa town of Dolna Banya with the spectacular Rila Mountain range as a backdrop A clean, fresh, healthy and unpolluted atmosphere A huge range of activities available in the area golf, skiing, spa, water sports, flying, to name but a few. High capital growth potential because of the three levels of re-generation planned. The Super Borovets Project has ambitions of creating one of the best ski facilities in the world by 2014.

This is definitely not what has traditionally been on offer from the Bulgarian property market. This is a unique and exciting investment opportunity to buy a freehold property in the boundaries of the much-anticipated IBAR Golf Club & Spa; the first Nicklaus designed course in Eastern Europe and the only course to meet PGA standards in this region.

To discuss the project in full detail Freefone 0800 0 75 55 66 now!

How would you like to defer the capital gain taxes you would pay from selling your property? Well, according to Section 1031 of the Internal Revenue Code, certain tax advantages can be realized if "like-kind" properties are exchanged. "Properties are of like-kind if they are of the same nature or character, even if they differ in grade or quality." Therefore, an exchange of real estate for another piece of real estate is an exchange of "like-kind" properties. "It doesn't matter where the real estate is located (but foreign and U.S. real property can’t be like-kind) or whether it is improved or not." Fortunately for investors, Condo Hotels can qualify as a "like-kind" property.

In a typical real estate sales transaction, the property owner is taxed on any gains on the sale of that property. However, through a 1031 Exchange, the tax on the gain is deferred until the replacement property is sold. At that time, taxes will be due for the gains on both the relinquished and replacement properties

It is important to remember that a 1031 exchange is tax deferred, not tax free. By deferring the tax through an exchange, you have more money to invest in a property. Essentially, the provision provides investors with an interest free loan from the federal government. In order to qualify for a 1031 Exchange, the investor must identify the replacement property to be exchanged within 45 days of the sale of the relinquished property. Furthermore, the purchase of the replacement property must take place within 180 days of the sale of the relinquished property. While 1031 Exchanges might not make sense for every Condo Hotel buyer, they certainly offer a way to defer federally mandated taxes. For more information on this type of transaction, please consult your local tax advisor.

Last year, every 7 seconds someone in the U.S. celebrated their 50th birthday. Over the next 15 years, nearly 80 million baby boomers will retire in the United States. Overseas, an additional 135 million World Boomers will opt for retirement. So where will all of these retirees look to go? Since the baby boomers are often referred to as the most affluent generation ever to retire, with more than $17 trillion of wealth being transferred over the next 20 years, industry experts believe that the 213 million boomers worldwide will be competing for a uniquely similar lifestyle. A lifestyle that allows them to spend time at home, near family and friends, but also allows them to retreat at months at a time. And because real estate investments have benefited them in the past, the boomers will look towards some sort of second home ownership to escape to.

Insert the concept of a Condo Hotel, and now the boomers have an investment and vacationing option that makes sense. Condo Hotels allow their owners the option to vacation at some of the worlds most desired locations, with all of the amenities of a 5 star hotel and the conveniences of a condominium. And when they are back home watching their grandchildren grow up, they can still generate monthly revenue by renting their unit. Furthermore, since demand will quickly surpass the supply of condo hotel units available, and because they are being built in such highly desirable locations, owners can expect to see a great amount of appreciation on there investments.

If only 2% of the baby boomers choose to purchase a Condo Hotel, then 1.5 million units will need to be built in order to meet their demands. Overall, Condo Hotels will provide owners a carefree experience whether they are staying in their unit or it is being rented out., after all, isn’t relaxation what retirement is all about!