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pension scheme law
I've been working for the same company for 5 years now. at first i didn't join the private pension scheme but a few years ago i wanted to and they still havent registered me. they keep saying they are in the process of switching providers and appologies for the delay but as they don't pay in themselves that i could just go…
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Moving to Teacher Pension Scheme - Transfer in
I am moving to the TPS from a private scheme where I have a transfer value of £24000. I am 30 years old and joining the TPS for the first time on a salary of approx £47000. I will obviously joining the TPS on the 1/57th basis that new starters get. Is it worth transferring my current pot in? What will I get for it? How do…
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Company Pension and on zero hours contract
I'm on a zero hours contract covering for somebody on long term sick and have received a letter stating I will be auto-enrolled into their pension scheme on July 1st. Is this possible ?
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Financial advice
Has anyone used the vouched for.co.uk . The one near me offers a free 1 hour consultation on pensions. Just wondering if they add their fee on after consultation. And if it is worth using.
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County Council work's Pension enquiries
My works pension runs for ten years, In april there are new pension rules applying, will it be possible to withdraw the rest of my pension as a lump sum
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Voluntary contributions to nest
Currently temping and will take 6 weeks off to go on holiday. I am with Nest and am wondering whether it is worthy for my mum to make a lump sum contribution to my nest pension when I am not working. My pension's pot is not very good as I do casual work and like to travel after each assignment. May be it might be better if…
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Nest log in username
Been trying to log in my nest account, I cannot remember my user name or do I log in using nest id or email address. When I click on security questions it does not recognise my email address. Anybody enrolled on Nest can help pl? Thanks
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NHS pension advice
I joined NHS pension in 2013 and after several months opted out. I resigned from the permanent job there is october 2014 and went onto 0 hrs and was automatically opted back in- this is still ongoing I started a new NHS job in December 2014 and have also been automatically opted into the pension. This is where i get…
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Option 32 pensions
I retired on 3/2/2015.i have an option 32 pension with coop/royal london transfer value £107000.they say no lump sum.but paying £5416 per annum. Does this change in april 2015
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Auto Enrolment
I would like clarification on my situation I joined the company I currently work for in Feb 2014 working just on a Saturday. I receieved a letter in April 2014 regarding the auto enrolment which I kept but disregarded as I was earning well below the auto enrolment threshold. In July 2014 my hours increased. I have just…
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moving from a DB scheme
I have a frozen private pension of (frozen since 2000) with a transfer value of £500k and an estimated pension payable of £15k at age 60yrs. I also have another final salary public sector pension also estimated to be c£15k when I am 60yrs. I am single with a teenage daughter going to uni and will shortly be 55years. I am a…
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Dont ever trust insure the box they robe your money
Hi , The email that i sent to insure the box complain service after cancelling my car insurance and robe my deposit. Im writing to you to tell you how disappointed and frustrated I am after finding out!today!my car insurance has been canceled with insure the box > I only started to run my insurance with you recently but I…
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my temp job has given me a pension - advice please
Hi. I'm temping but my temp job recruitment agency will automatically enrol me into pension from mid-january. I think under new government rules. Just wanted advice - about whether it is worth putting extra money in or pulling the money out totally (if that is easy to do). I know very little about this subject. Think I may…
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Auto enrolment in NEST?
Hi, I retired from my NHS post in August, taking my lump sum, pension £16,910 per year. I obtained another job in NHS salary £27.000 for 18 months taking me to state pension age. I'm not sure if I will retire full time at that point. I have received a booklet telling me I have been auto enrolled in NEST Is this a good…
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Legal loophole for EMPLOYERS to opt out?
Moved to pension forum.
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AE Employer Contributions & SIPP's
I am hoping we have a pension expert who can give me a pointer regarding AE and SIPP's. As I understand, if a member of staff wishes to opt out of auto-enrolment, they lose entitlement to employer contributions. The major providers of SIPPs, BestInvest, HL and so on, do not seem to offer a SIPP for individuals which are…
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Auto enrol.
I have just received letter from Now Pensions to say I have been Auto enrolled with them. I am not in employment and am already in receipt of a company pension. I am 63. Does anyone know anything about this company and can someone explain what all this auto enrolment is all about? Thanks
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Auto Enrolment - "Free Money"
I keep seeing auto enrolment described as "free money" for an employee. Employers are obliged to participate when their staging date comes round. They must contribute their % share towards the employees pension. They have additional admin costs themselves relating to this AND must pay a pension company to administer the…
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list of books to understand investment and pension
Does anyone know about any book that is practical in its approach in explaining how to invest and investment strategies, including pension? My financial adviser recommended one newly released on amazon called 'Saving and Investment Wisdom: How to take charge of your finances' by David Opoku, an experienced stockbroker and…
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Quick pension question
Hi, With regards to the auto enrolment pension scheme, from October 2018 the employer contribution must be 3%, and the overall contribution must be 8%. My question is, if I ask my employer to cover the whole 8% contribution, does this count towards my taxable income as well?