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Has anyone had any dealing with Wiseplan or Waverley Investments
I've been contacted by Wiseplan who have discussed Waverley Investments as a potential SIPP provider. Has anyone had any dealings with them?
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self employed pension
I've been self-employed for a year and have been dithering about whether to continue with the personal pension plan I had with my old employer or to hunt around for a 'better deal'? I haven't paid into a pension for just over a year and now just want to get regular payments set up or it won't happen. Should I talk to an…
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Old work pension should I transfer?
My wife has an old alliance and Leicester pension which has been frozen since she left that employment 10 years ago. She wants to start contributing to a pension again but her new workplace don't need to legally comply till 2016 and then she has been told she doesn't work enough hours for a workplace pension. She currently…
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Pensions and annuities
Not sure what to believe from pension companies! I wish to get some of my pension as I am now 55, want to take it now can't wait to next year, if I get 25% just now does the rest need to get put into an annuity or can I just leave it and get the remainder next year?? Really confused!!!
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Advice fees
Spoke to a Ida today ,like all seemed like a nice guy .told him that I wanted to set up a pension through my wife with the intention of drawdown due to me being 8 years older than wife. Only a few hundred per month for about 14 years ( hopefully). Fellow said he would do it for £800 , with no follow on etc . Does this…
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Which SIPP to buy Commercial Property?
If you wanted to buy Commercial Property via a SIP how would you go about choosing the right one? The following need to be considered: 1) Set up Charges 2) Other Charges (monthly etc) 3) Quickness in setting up SIPP. Money from existing pensions and cash will be entered into the SIPP Need advice how to look for the right…
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Little advice MUCH Apprecitated. :)
Hi, This is my very first post and I hope someone can help me to put my Dads mind at rest a little at least just for tonight. My Dad has found out today that he is going to be made redundant from his managers job( he has really been asked to leave and sign a contract watched by a solicitor because I think the company are…
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Realisation.
Why does everyone want their pension now! It was quite logically explained to me that it was not for now ,but for later. Fed up seeing posts ie; can I cash in now ( no ) you were told its a pension !
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Quick question re trivial commutation and ctc
My hubby had his trivial commutation of 17k paid into our bank account on on 22nd April. We were going to use most of it to get our mortgage down a bit, but as we take Child Tax Credit, (2 children, one disabled) are wondering if we have to declare this amount and if they will then reduce our ctc payments. If so, we will…
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Old Pension (2001) - Can I access these funds?
Hi, I started paying into a pension when I was a teenager through the company I used to work for in 2001 however I stopped paying into it several years later. The pension is now with Aviva (Pension Select) and according to my latest statement, my plan summary is as follows: TOTAL FUND VALUE= £4289.81 TRANSFER VALUE=…
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Market value reduction
As I'm planning to delay taking my personal pension (I reach pension age on May 31, but I'd like to hang on to see what extra options might be offered as a result of next year's changes) I spoke to someone at the Pru and he advised me to write to them to ask them to keep the funds invested, because otherwise, they would be…
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Retrospective claim for ALl my pension pot
Having reached 65 in january this year I found two old pensions and took the 25% option. Neither of the pots are in excess of £10,000. Is it possible for me to change my option to 100% of the pension pots at this stage and sacrifice the annuities?:cool:
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New workplace pension query...
Just a quick query if I may... I have an old personal pension that I took out on the advice of my mother when I was only just starting out on my career (25yrs ago). It has been dormant for many years now but with a £25k or so valuation due to the old NI protected rights payments that were made into it. So now I've just…
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retirement savings plan
Hello, I have recently started work for a Oil & Gas company whose pension and savings plan works in that you say what % of your savings you want invested in the products they offer. I realise the pro's and cons of equities, bonds and to some extent cash funds, but i have absolutely no idea of what to select from the…
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Independent living
You all know about Independent living communities. I am around 55 now and I live in a retired community of Prestige care (prestigecare.com) for last one year. I am very happy now, were I am getting a Social living atmosphere with a great care. Anyone who experienced a life in these living communities, please share your…
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Help - Should I reconsider our contributions?
Help for a newbie please who wants to retireearly but is not sure if they're doing quite the right thing. I am nearly 40 and as I reach this milestone have giving a great deal of thought to my pension (a money purchase GPP)and to my husband's position. After readingthis forum I stopped overpaying the mortgage and…
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Frozen pension
Guys, what are all the options available to improve a frozen pension? I've heard of these companies who say they can help you improve a frozen pension without moving it to another provider? How can they do this? Or is the only to improve it by moving it to a better provider?
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Tax relief on pensions and redundancy
Scenario is that I could be made redundant just days after the end of April 2015. Redundancy will only be £17k (I am assuming tax free) plus £3k of pay but my pension for that year will be circa £18k. I assume in fy 2015/16 I would only be able to contribute £3.6k (with tax relief) to my pension. Normally extra pension…
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Old pension pots
Asking this for a friend who's in a muddle. Any help would be much appreciated. He's a postman, turns 55 at the end of April next year. He has two old pensions from over 25 years ago from being in the Army (he transferred this into a private pension) and from another private pension. He phoned today and was told one is…
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Tax Relief on Private Pension vs Income Tax
I'm potentially taking on a new job where they do not offer a pension so I have asked for a bit more on the salary. Obviously this will be taxed whereas at my current job they pay 3% direct into a pension where I don't get taxed on my salary for that amount. If I take the new job and put in 3% of my salary into a private…