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With Profit Policies
I recentley recieved a letter about a with profit policy I have...not knowing what this was about (having only paid into it for 3 years back in 1988/91) I gave the company a call to be told I had nearly £5000 BUT I wasn't able to get at it till I'm 60 as I'm only 42 that seems a long way off can I get at it somehow or not…
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Annuity websites please?
Hi, My OH's personal pension (Prudential) will mature in a few months and we're looking for reputable websites (bearing in mind the amount & nature of the information they often ask for) that can give accurate comparisons for searching for the best annuity deal available. The impaired life option has already been given the…
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BBC news - property vs pension
Found this an interesting link and fairly topical for this board, so http://news.bbc.co.uk/1/hi/business/6407909.stm
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Strange phone call ref state pension can any one help/ advise?
Just wondered if anyone had heard of this or could advise. My dad recently recieved a phone call saying that anyone that had contracted out of the state pension scheme may be aligable to claim up to £1500 a year back for all the years they were out of the scheme. Just wondered if anyone had heard anything about this or is…
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Mis-sold a pension - advice please
Hi, I'm wondering whether I have a case for some sort of claim against an insurance company. 20 years ago I was sold an annuity pension from one of their reps. After about 10 years, I decided to increase the contributions. Un benownst to me, the same rep of the insurance company set up a personal pension policy rather than…
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Savings Question!
I'm not sure if i have posted this in the correct place, if i haven't please move :) I just have a quick question on behalf of my grandmother who's 90. She is currently in reciept of a state pension which is topped up with income support, does anyone know what the max amount she is allowed in savings. She has recently sold…
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Please Help Company Took Its Contributions Of Me - Can It?
About 4 1/2 years ago my partner + I worked (he still does) for a firm who found out that they had been illegally sold a pension by Friends Provident and the ombudsman made F.P repay all monies paid in. Anyway, we were given the opportunity to transfer it to another pension, or have our money back. We chose our money back…
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Pension question
Im moving to the Uk for 1 year to work. Im 23 and thus far have not set up a pension. When i move to the UK i will be working in a council job and I beleive they offer a good pension. But i will only be in the UK for a year, so if I pay pension contributions, will I be able to transfer my pension to another private pension…
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pension annuity help -cont
Hello update advisor said approx £6800 pa for OH on pot of £118k( no cash taken) thinks this is the best we will get and is a fixed amount I will get 100% if OH dies, looked at annuity rates from sites you have mentioned and I think I can do better with their basic rates. Mentioned that cause of change of circumstances may…
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Advice on retiring and living abroad
Hi to all, We are hoping to retire to Malta early next year. By then I will be 58 and my wife will be 59 On retiring we intend to rent accomadation in Malta on a long term basis. Our financial situation is as follows:- We are both working full time at present. I am in reciept of a naval pension of approx. £560 a month at…
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What level of income is too low to make pension worthwhile
I am looking for sources of information to prove that for some on a low paying into a money purchase or even occupational pension is not worth while. I can find general sources - EOC and ABI saying that for some they are better relying on means tested benefits, but can find nothing that talks directly about at what salary…
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retiring from the RAF
Hello. I wonder if anyone can give me some advice. My husband has just retired from the RAF, he fininshed on 1/3/07. Could anyone tell me when his lump sum is likely to go in, he has been phoning the JPCA enquiry line but they will not give us an estimated date to when it will likely be processed. Thanks for any advice
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Standard Life AVC Value Query
Can anyone tell me if there is any performance graphs etc. available on-line for the Standard Life AVC "Pension Managed One Fund" please? Ideally I'd like to know by how many % the fund went up or down by from late October to the present day. Thanks.
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Writing a will
Having recently retired (early) I have been reviewing all my financial affairs. It has been suggested that to minimise any IHT issues I should make some changes to the ownership of our house and amend our wills to include a discretionary trust. Can anyone give me some idea of the approximate costs for :- Changing from…
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Pension help
Hi, My father has recently passed away and I am "trying" to help my mother decide what to do with his pension. My father has worked with an independent financial company, who dealt with all his affairs, for a number of years, and he made all the decisions. Now the decisions are up to us, we are not sure what to do and…
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Allied Dunbar Charges
Hi all, I am in the process of sorting out a few PPPs that I don't contribute much to any more. I hope to consolidate them into a SIPP or stakeholder plan so that I can make them work a bit harder. Unfortunately, one of them is an Allied Dunbar plan from 1998 which I still make regular contributions to, but will probably…
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Pensions review
Taking an end of year look at my pension arrangements. I am 48 and earn £55K I have: 1 £132K in a company scheme to which my 4% matched plus employer contributions amount to 16.5% of my salary. Up to now I was adding an AVC of 11% up to the old maximum of 15%. I participate in the Core fund at no charge which consists of…
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Pension fund reviews/ratings.
My company have selected Fidelity as their new DC pension fund provider. Some people at work dug up some newspaper articles where Fidelity were shown in a less than glowing manner. I've had a quick google but not found much yet. Where would be a good place for more reading? Note: I'm not asking for financial advice, so…
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Should I go back to serps???
I am 38 and have been out of serps I think from the late 80's. Maggie made it seem like a good idea. The pension that the contributions are going too is a paid up policy now. I earn less than 20k a year and so I guess that I am a low earner (only the boss will disagree!). I have nearly 30years of working life left and so…
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Is it legal? Transfer value is half the fund.
I have an old company pension from a company that went bust, it has ended up with a company called Phoenix, it has a value of just over 5,000 pounds, for the last two years the fund has grown by 0.1% (5 pounds) each year approx. To me this seems to be quite horrendous, either the company is incompetent or they are…
