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Pension Virgin..help needed.
I've never had a pension, have not worked for the past 9 years since having kids and am now self employed but working part time so not earning a great amount. I'm 31 and know I need to start thinking about getting something sorted pension wise...but what.....and how much......and and and and...so many questions....any…
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Late Stakeholder Contributions
Just checking my employer provided stakeholder fund value online with Scottish Life and noticed that the payment made from my March salary has not yet hit my plan. I'm paid the last Friday in the month, and my contribution normally shows on my plan anywhere from the 20th to 23rd of the following month. The last…
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Maximum Contribution Advise
A friend of mine is due to retire in August and has just been informed that she will have a £6000 tax bill because she has paid too much into her pension fund over the years. She was informed that paying into AVC's was a good idea. The pension fund in question is a company final salary scheme. My question is: Is the…
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Can you opt back in
This is my first post in this section...please be gentle! Please can you help....... I have been asked by a young friend (30) about pensions they are clueless and I am not much better!!! they chose a private pension a long time ago but the monthly aomount soon became too much so nothing has gone in for a long time! However…
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saving/pension planning
just a quick question. i'm higher rate tax payer. salary £52k. in nhs pension scheme wife lower rate tax. salary£12k. has few years of private pension. also between us have about £30k isa. both 31yrs as a rule of thumb is it better for me to save towards pension for both of us as 40% tax relief, her to save now as no extra…
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novice asking about universities superannuation scheme!
hi, is there anybody who can tell me if this pension scheme is any good? im 26 years old and am working in a university and do not know ANYTHING about pensions. i have joined the scheme and roughly pay £110 pounds a month (6.35% of salary-gross contribution). Employer pays 14% of salary. To tell you the truth, this doesn't…
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pension or equity release??
been reading a bit about equity release schemes and they seem to be getting more popular by the day. im 42 and have an option to join a company pesion scheme which would cost about 40 quid a month,which the company would match . this would stetch my budget a bit. i was thinking about not joining and opting for an equity…
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Self Invested Pension
Can anyone tell me where I can find out more about this type of pension? I'm about to stop work to be a stay at home mum for a while and have been told that I can transfer my company pension schemes to this type of investment. So, I need to find out some more to determine if this would be right for me Thanks in advance
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Advice please?
I am a 41 year old male with twelve years contributions in a final salary scheme with a previous employer. I have recently changed jobs and am about to sign up for a stakeholder pension with Standard life (employer prepared to pay 6% of salary). I would be grateful for some general advice on the investment choices. Is it…
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Lost pension?
I wonder if anyone you help please. My partner has made several attempts to find his 'lost' pension he paid into from 1976 to 1980. He worked for Standard Telephone & Cables, (at a satelite factory)which later became Nortel. They DO have his name but say without his 'works number' they are unable to find any trace of the…
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earliest retirement age.
what's the eartiest I can retire.57 poor recent health.just made redundant-no payout.and no surpriseno job prospects.any advice???
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Marconi Pension
My Dad is 59 and was made redundant from Marconi 2 years ago. He is now worried that the company may change in the next 6 years, threatening his pension. His pension is currently deferred. I don't know if there are any protections in place for this? Can anyone advise? He is considering taking a lump sum which, to me, seems…
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Advise Required on Works Pension Scheme
Hi, I am about to start contributing to my work's pension scheme and would Appreciate some advise. I have no idea about pensions so please forgive me if these questions sound silly. I am (almost) 32 years old and have not had a pension plan before, I plan to contribute 5% to the plan. I have been told that if I paid 5%, 4&…
