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Help: Advice Needed
Hello! My Aunt is 60 in May and needs to decide what to do with her pension. Her pension fund totals just over £36k and she's already decided to take the 25% cash and invest it in NSI pension bond thingies. The company she's with (windsor Life) has a limited number of anniutys she can buy, none of which will rise with…
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old age pension credit .
my aunt is 76 and receiving pension credit .How do I find out if she is receiving everything she is entitled to .
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Occupational Pension AVC
I have an occupational pension with my current employer and my pension with a previous employer has been transferred not straight into that fund but an assigned lump sum AVC. This AVC will grow during the life of my OP and at the point of retirement will then be used to buy years in the company scheme. This apparently is…
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Abbey Pension. Is it lost now?
Hi all, My husband had a personal pension with 'Abbey Life' when he lived with his ex partner about 15 years ago, which he had paid into for a few years(about £50 pm). He has not paid into this pension for approx 9 years. I wrote to 'Abbey Life' asking what the situation was with this pension and received the following…
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retirement looming early question
Hi, been made redundant and leaving company pension. do I take a lump sum or full pension or reduced pension thanks in advance:beer: :money:
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Can anyone advise me?
I have been wanting to start a pension for a long time, but seriously cannot afford to. My income and my expenditure generally just break even each month. However, I have been thinking that by investing a small amount each month into a stakeholder pension, I could, perhaps, recoup the amount in Working tax credits. Is this…
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Your help would be greatly appreciated
Hello and thanks to anyone who can give me some help with working through the logic of these issues. As they span both mortgage and retirement planning, I'll post in both boards, my apologies in advance if this is incorrect, and please moderators feel free to move /delete if necessary. I'm 53 years old this year. Nearly 4…
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Pension Transfer without using Financial Services Advisor
Hello My previous employer swapped pensions schemes during my employment. I was employed with this company for 3.5 years. This means I have 2 years company+personal pension contributions with Standard Life and 1.5 years company+personal pension contributions with Scottish Equitable. I want to consolidate the 2 pension…
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Transfer Pension without using Financial Services Advisor
Hello My previous employer swapped pensions schemes during my employment. I was employed with this company for 3.5 years. This means I have 2 years company+personal pension contributions with Standard Life and 1.5 years company+personal pension contributions with Scottish Equitable. I want to consolidate the 2 pension…
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Does employer HAVE to provide a pension?
I'm currently self-employed and have a stakeholder pension which I've had since I was 22 (am now 27). I've just applied for a job, but there was no mention of a pension anywhere in the (otherwise very fulsome) details. It's for a 3 year fixed term post, so I wondered whether the employer was obliged to provide a pension…
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Pension Advice
I am trying to get my financial house in order. I have just sorted life insurance, and the next step is my pension. Having sorted my documents we have several pensions. My wife has one with Scottish Equitable worth about £500. I have three with Friends Provident worth about £8000, £4500, and £200; and one with Phoenix…
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Sipp and ex serps 25% and inc drawdown
In a couple of years i will be 50 and i intend to take 25% cash and use the inc drawdown 'opportunity' on my sipp...will this b possible on my exerps policy which contains a fair amount of protected rights? TIA for any help
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Should I take this pension At 60
I am not working now and I will be 60 in a few weeks , just been offered to take small pension now, its only £1,010.00pa. should I take this now or wait till I am 65, any advice please.
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Re Budget? Core Pension? Whats That?
Government release (I think) reference the budget. quote "5.65 The Financial Assistance Scheme was established in 2004 to assist those who lost Significant amounts when their pension schemes started winding up between 1 January 1997 and 5 April 2005 as a result of the sponsoring employer becoming insolvent. Budget 2007…
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is it worh it
is it worh paying into to the friends provident company pension fund. the main funds seem to be run by BGI and dont seem to be doing very well . the company contribution is 11% and mine has to be 8.5% . tanks for any help
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Should I make pension contribution in next 3 weeks
I was in a good company pension and also paid extra contributions, for a long time, but left over 3 years ago and have made no contributions towards a pension since then. I feel I should do something (in this tax year?) as I would be only be paying £78 for every £100 put in with the govt paying the rest. It seems a no…
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Another contracting in/ out S2P question
I read most of the stickie at the top but I didn't find my answer (though it might be there). Say you built up a small amount of additional pension. Then you join a personal pension and are contracted out of S2P. You get your "protected rights" accumulated in there a few years. So far so good. What happens if you contract…
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Pension help and advice needed
My girlfriend was working for a firm and paying her pension. Company went into receivership and she was informed she ad lost her pension and redundancy monies. They said they had lost pension becouse the government would pay statortorie redundancy, but then 3 weeks after the receivership notifacation she got a letter…
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AVCs with Equitable Life - to move or not?
In a nutshell, what is the outlook for "with-profits" investments with Equitable Life? Key facts of my situation are as follows. Some years ago, while working as a civil servant, I opted to make AVC contributions under the schemes offered within the Civil Service pensions scheme. The providers approved at the time were…
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Transfer pensions or leave them?
Hi, I have had various part time jobs, and on each occasion have always opted in for a pension so long as the employer is making contributions. The downside is that I now have several deferred pensions. I have a pot of money with Tesco, USS, a University pension scheme, and John Lewis pension. I am still a member of both…
