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Pensions, annuities & retirement planning
Archives for March 2005
Discussion List
Mistakenly transferred army pension
Hi, I could do with some advice, I transferred my army pension to a clerical medical pension plan - the IFA verbally told me that the army pension grew no more than 2% p.a. - he went on to state that clerical medical could grow 5% + p.a. Stupidly I went ahead and transferred the pension - I now discover that 1% management…
IFA Charges - Where do I stand ?
I was considering taking out a SIPP, as my company doesnt run a company pension scheme but contribute to a private pension. Therefore, I walked into a local IFA and arranged an appointment and spent 2 appointments discussing my options. When I asked if some of the IFA's commission could be rebated into my scheme the IFA…
Calculating the effect of inflation
Is there a quick or easy way of calculating the effect of inflation over a set period on a given sum? For example, if I have today an amount of £10k to invest in a savings account at a fixed rate of interest for a set amount of years I can use a compound interest calculator to find out what that sum would grow to by the…
AVC or Stakeholder
I work part-time for local government, they offer various Standard Life AVCs, however, are Stakeholders similar products? I wonder if it is better to not have everything with my company in case I want to change jobs also would I buy an annuity with either at retirement and am I wrong, or are Stakeholders being phased out…
Stakeholder Pension with external funds
Which Stakeholder Pension offer a good range of external funds? Don't want to consider SIPP though.
Stakeholder Pensions - Death benefits after retirement?
If you take out an SHP, what happens if you die after retiring, i.e., once you've used your fund to buy an annuity and you've started drawing the pension? Does your widow/widower automatically get that pension? :confused: Many thanks, Jim
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