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Pensions, annuities & retirement planning
Archives for March 2007
Discussion List
Pension Age
I see that Britain's are starting their pensions earlier than any other major country. Some good lessons have been learned. http://news.bbc.co.uk/1/hi/uk/6410483.stm I'm 24 and started mine through my work 2 years ago. As it comes right out my salary I don't even notice it going.
Salary Sacrifice clarification
I am being offered a salary sacrifice in my work as part of a deal moving my pension contributions from 4.5% to 10% to keep my final salary pension at a 1/60th rate. The sacrifice will offset the rise in cost by around £20 a month. My salary will be kept the same as regards future wage rises/ overtime and mortgage…
Pension question
I have an old pension with the Prudential, about 16 years old, I stopped paying into it quite a while ago, but I get annual statements on how much it's worth. Im not 50 until July 2009, but would like to cash it in top pay off my cc:o Does anyone know who will buy my pension off of me, as I have heard that there are…
How do we fund the gap between age 55-65?
Hi everyone, I hope someone can help me with this as I am very confused trying to plan for our retirement. I believe that between myself and my husband we have already invested enough in occupational pensions to give us sufficient income at age 65 (even if we stop contributing at age 55). However we want to retire at 55…
Home Responsibilities Protection
I worked 5 years (making full NI contributions) from leaving college till the birth of my first child. I have not returned to work since. My child benefit payments finished in 2002 but in 2003 I became ill and in 2004 started receiving Disability living allowance. I am now 52 and wondering what pension, if any, I may be…
Attn Dunstoh Poor Pension plans
Hi Dunstoh, Please see below extract. How can we trust pension plans when we read reports such as this. I would be very interested in your comments and from anyone else in the financial sector. Falling annuity rates plus poor performance on high- charging with-profits funds have compounded to produce shockingly bad figures…
Finding an IFA..a couple of questions please..
Just been scanning https://www.unbiased.co.uk in search of a local IFA who can advise me on 2 key areas.. 1.My mortgage is due for renewal in September and 2.I would ideally like to review my retirement planning situation. When selecting an IFA not used before,can anyone please give me any guidelines or questions I should…
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