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Pensions, annuities & retirement planning

Archives for August 2004

unmarried couple NI contributions
i have been thinking of making sure i will qualify for a full pension when i reach pension age. I have been with partner for 8 years and am not married and dont plan to be so i also have no children so cant get credits there, at present i have accured qualifying years to date bar 2 years and dont want to miss anymore, i am…
pension help
I need help getting a pension . I have a small amont ( about £1000 ) in an old work pension .I havent paid anything into it in 10 years . if I start to pay into a pension and i die what happens to the money I paid in .I have no spouse . how much should I be paying in .I am 42 years old.
Help with NI number being wrong
Not sure whether this is the right place for this one, but anyway ;- Being about to move house, I have discovered going through our paperwork that over a period of 18 months when my husband had various temporary jobs, that his NI number is incorrect on every payslip. :o Two of the digits have been transposed on each one…
Is it worth taking out a pension...
...in these uncertain times?. My daughter took out a pension with Equitable Life 3 weeks before the big upset. Should she dump it and take a chance with the future or, move it to another provider.
New to pensions
Hi all I've started a new job and they have a company pension scheme. I've never had a pension and don't know the first thing about them, all I know is that some people have been paying into pensions for years only to find out they are worthless! Also heard on the news that most of the top 100 pension companies have a huge…
Index tracker funds?
Hi, following my previous posting about my M&S stakeholder, I am now trying to look at index tracker funds. Can someone tell me how I will spot an index tracker fund as when I am searching stakeholder pensions, very few seem to be called this. Eg is a balanced managed or lifestyle option an index tracker? What else might…
Please help, this is what I have been offered....
I know this is gona be long but I just received a letter from my employer who offers me a pension scheme, and no much info with the letter. Can you please help me in deciding if to accept this or which question I need to ask and what (if) there is anything wrong whith the offer? At ***** we want to offer you the best…
Pension transfer from company schem
Hi, my ex company has offered me 2 proposals to come out of their final salary pension scheme. 1. an enhancement of my transfer value by £16k + or stay with them but earn no pension increases apart from statutory ones. What do I do? :-/ :-/ :-/ :-/ :-/ :-/ :-/ :-/
pension with employer
im just wondering if i can get some non-biased advise. our company has just been taken over by a larger company. i was in the final salery scheme but as they dont have it at this new company (well they do but closed for new employees last year) us non protected members now have to join a different pension scheme. anyway im…
Commercial Property SIPP
I am comtemplating a SIPP with the specific aim of using the funds I have already accrued in a pension plan to buy a small commercial property. I have been looking at various firms and the literature by Pointon York is fairly clear. However, I did come across an article about how they had been fined for lots of different…
No employer contribution - where do I start?
Hello I am sorry if this has been gone over before - I have read through the forums but I'm still confused and would be very grateful for any advice. I am 24 and currently have no pension. I have just started thinking about setting something up but don't know where to start? My employer offers a stakeholder pension through…
NI Contributions for State Pension
My wife is currently unemployed (through choice) and does not claim any benefits (JSA etc). I am concerned though, that at the moment, she is not paying any NI contributions. Will this mean that she is not entitled to a basic state pension on her retirement, since she won't have any NI contribution history? Or will my…
Anyone got an HSBC Stakehold pension?
:) [glow=red,2,300]Hi![/glow] Has anyone got an HSBC S/H pension? I got one last year, and now so has my wife. I am only putting in about £75 a month before tax added, and I have 80% on international fund and the rest on FTSE. I know this is high risk, but I am 28 yrs old. I am more or less fully self employed, so this is…
Transfer into final salary pension
Hi. My employer offers a final salary pension scheme, which I have been a member of for the past 2 years since starting my job here. I now qualify to be able to transfer rights from my other pensions into the final salary scheme - I have two money purhcase schemes from previous employers, currently valued at less than…
AVC or Stakeholder
Bank accounts I can understand - one pays 2% one pays 6% I know what to do - Pensions - where’s the annadin? Help please - My wife is a teacher and has contributed to teachers AVC - with Prudential for almost 4 years now - I think I understand it as follows - she’s gets tax relief on the money she invest of 20% or so,…

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MSE News

Ofgem proposes new 'no standing charge' Price Cap – but Martin Lewis warns vulnerable customers need to be opted in or it won't work
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Lloyds, Halifax and Bank of Scotland to cut overdraft rates for millions but hike them for others – here's what's happening and full help
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
Major flaws in the Council Tax system in England could finally be fixed in future, as the Government has launched a wide-ranging consultation to review hideous debt collection practices, the difficulty of challenging your band, the overly complex and horribly-named Severe Mental Impairment discount and more. MoneySavingExpert.com founder Martin Lewis, who has long campaigned on these issues, shares his response and analysis.
Energy complaints to be dealt with more quickly and Energy Ombudsman to get new powers under Government plans
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
The Bank of England has held the base rate at 4.25%. Below we explain why, when it might be cut, plus what it means for your mortgage and savings.
Applied for South West Trains 'boundary fares' compensation? Act now to claim it
If you applied for compensation from South West Trains before the deadline in January 2025, you now need to provide your bank details to the claim administrator so it can be paid to you. Here's what you need to know.
Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Pensions, annuities & retirement planning

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