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Defered Old Age Pension
Is there any truth in the statement below and where can I get more info on it ?? There's no need to rush to claim your state pension. It's rare to come across any good news on the pensions front these days but this week there is some - and what's more it's related to the state pension. If you don't need to collect your…
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Lost National Insurance Contributions?
I have had a long running battle with Newcastle regarding my National Insurance Contributions. They say that there is no record for about twelve years of my contributions back in the 1970's & 1980,s. I am due to retire next year and this will greatly affect my pension, so I need to try and resolve this problem. They have…
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SERPS and taking my 25% question
I know I can take 25% out of my serps pension pot as a tax free lump sum - do I then have to take the rest immediately as an annuity or can I leave the remaining 75% to rise and fall with the stock market ? and ake the balance as and when required
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what else can i do to get more pension?
i am mid fifties and would like to look at retiring from my present job at 60. by then i will have paid into local government pension for approx 18 years. our pensions are in state of flux at the moment but i reckon i should have small pension about £3,800 per year from that plus a small lump sum i have applied for state…
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last will and testement....
heard a rumour that you can get one from the post office for free i assume this is not true? where can i get the cheapest one from? also, if i die and havent got a will.. will my estate go to my parents, dur to me not being married?
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23 and wanting to start a pension, clueless!!
Hi Im looking into starting a pension as ive only just got a stable job where I earn enough to be able to start one, ive been advised to join my works pension scheme which can be taken to any job if I wish to move in the future. Is this the best way forward or am I best starting a private one? Also if I do start a work one…
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opted out of SERPS, can't remember who with
Hello all, I opted out of SERPS about 15 years ago. Now the problem is, way back then, when I was young, wild and uterley stupid I did not pay much attention to boring old financial matters and I can't for the life of me remember which company I did it with. As I now wish to check the performance and costs I obviously need…
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Desparate need of company Pension advice
Hi all. I have practically zero knowledge when it comes to the vagaries of pensions. I have just started a new job and have automatically been entered into the company pension scheme - named "The Lifestyle Plan", in which 5% of my pay goes into the pension with the company paying 50% of my contributions. the details of…
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NU stakeholder fund thoughts
Hi... I've been prompted by NU to think about changing the fund my stakeholder lives in from the default 'Stakeholder with profit fund' into the balanced managed lifestyle strategy fund.... Any ideas a) is the current fund any good? b) is the proposed fund any good c) ar e there any other better funds I could use with NU…
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Help reqd on early retirement benefit from old company pension
TIA for any advice on this I want to take early retirement from a company pension scheme whose employment I left 16 years ago I was a member for 12 years At one point we were told there was such a surplus that the company should take an interest free loan from the fund rather than give more to taxman I applied 2 years ago…
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Parents have asked for some help so where better than to start here
Hi all, My parents are looking at their current situation and what will be inheritence etc. My dad is 69 and mother is 63 next month. Both are retired ... well apart from my dad who helps me with my business. I buy him the odd pie when we go out, so its labour for little reward ;) They own a house worth £180. My dad also…
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Transfer penalties advice???
I have a pension that I started contributing into about 9 year ago but it was with an old employer so when I stopped working there I also stoppped pension payments. I think i must have stopped paying about 8 year ago. But now I would like to transfer my old pension into my current one. I asked Equitable, who my old pension…
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tekram Goldberg
I know you have already covered this subject. I to have been contacted by this company several times a week. I was just about to go ahead and send my £500 to them and I can tell you it was a struggle getting the money together. It is very temping to think I might win a claim and get quite a few thousand back. But then I…
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Transfer of Protected Rights
I am looking to move some £14k of funds (100% protected rights) built up in a contracted-out Norwich Union balanced managed pension fund into another personal pension (a former works money purchase scheme bal £10k) run by Friends Provident, which affords a greater choice of funds with lower charges and free switches. I…
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Should my Mum switch to Fixed Interest Deposit or Gilt-Edged Fund with 3 years to go?
My Mum is 57 and three years away from retirement at 60. Her pension provider has just written to her pointing out that she should consider switching all OR part of her fund into either a Fixed Interest Deposit AP Fund OR a Gilt-Edged AP Fund. My Mums pension value is currently approx £73000. I don’t have any knowledge of…
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Transferring pension
Hi, My fiancee has just been made redundant, but has luckily got a new job to go to. Unfortunately her new employer says that they do not currently have a company pension scheme (they're quite new). She needs to work out what to do with her pension fund that she has with her current employer. AS she has only been…
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Hybrid SIPP
Sorry for no doubt covering old ground ( but the sticky thread on HL and SIPPS is too long ) The term Hybrid SIPP is often used in replies... Can anyone enlighten me as to, a) How it differs from the usual SIPPS offered by discount brokers b) Where or who can arrange one Thanks
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How much for advice?
Hi I had decided that I wanted to go down the ISA (with unit trusts) route to save for my pension. I have about £130 per month to put into a pension. I had looked at 'doing it myself' but quite frankly I don't have the time, energy, knowledge or courage(!). I think it'd be better for me to get someone to manage it for me.…
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How to pay multiple Lump Sums with 25% cash withrawal?
I was about to open a SIPP with a lump sum payment and immediately take the 25% cash withdrawal, leaving the remainder to be invested for another three years. I then enquired how this could be repeated in the next three years and was told that was not possible since I couldn't add to an Income Drawdown that was effectively…
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Stakeholder as a 'present'
Firstly, hello all (newbie here) I have, this week, opened my daughter her first bank account. I have been considering a stakeholder pension for her birthday present next month (she'll be 8) Most I have seen need a minimum payment of £20, then I could annually on her birthday, put £20 in again, until at 18 she takes it…
