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Pensions, annuities & retirement planning

Archives for May 2007

VIVENDI please help!
Does anyone know the contact number for VIVENDI pensions? We have moved and lost our contact details and need to forward our new address Many thanks. Also does anyone have any update on VIVENDI pension as we are hearing there's trouble about them not paying out properly. THANKS
Options Options Options!
Hello Being a complete and utter novice with Pensions im hoping other more experienced MSE'rs in this area with be able to give me some *advice* (constructive criticism) Basically, im 23 years old and belive now is the time to start thinking of Pension/Retirement Investment. Im thinking i have the following options - all…
Wall Street Journals Videos
Wall Street Journals Videos http://www.linkwizard.us/news/wsj/
Just received a cold call about claim for SERPS opt outs in past...?
Has anyone had any experience of claims companies for SERPS opting in/out in the past? I've just had a phone call from someone telling me to ring a government helpline to ask about my history of pensions and opting in/out. I rang the number they agve me (having checked it out first that it wasn't just a neat way of getting…
Bonus into pension or mortgage ?
Good afternoon everyone I am in the fortunate position of receiving a bonus soon (about 7-8 k pre tax) and have been told by my employer that they can pay it straight into my pension, pre - tax. I do not need the money at the moment - thanks to ideas on this site ! Therefore if I took the bonus as money, paid the higher…
Bonus into pension or mortgage ?
Good afternoon everyone I'm in the rather fortunate position to be receiving a bonus from work soon (the amount is likely to be about 7 - 8 k pre-tax), and we have been told that we can have this bonus paid into our pension plan before tax and NI are paid. Luckily I have been saving recently and so don't need the cash - if…
Military Pensions / Tax Credits
Hope someone can help? I was medically discharged from the forces and assessed to have a 60% disability. I therefore received the relevant pension from the Military plus war pension from the Veterans Agency for which I am very grateful. My problem arises when I fill in my Tax Credits review in the section "Other Income". I…
Cost of transferring in to an employer's PP plan
Hi I am considering merging the three other employer PP plans with that of my existing employer. I want to do this so that I can keep an eye on the money and manage the funds it is invested in myself. I have now got the first transfer value quote in. The thing is the caveats on the transfer form state that I may incur "a…
Money Purchase Scheme help please?
I have very liitle knowledge of pension schemes so please be gently with me. My husband (55) has one pension and has started a new job which is offering a Money Purchase Scheme. He will pay 5% of income and they will pay 6%. He may only work for another 8 years at the most. They are quoting a growth of 6%. After 8 years…
Pension Payments Advice Please?
As a 40% tax payer on a portion of my earnings. My Pension is also contracted out of SIPP as it is final salary. My question is for each £1,000 I put into my AVC's, how much will my take home pay be reduced? Also, same question for the lower tax band please?
How much notice do I have to give?
I'm planning to retire earlier than I had intended - probably this coming October, instead of waiting until my 65th birthday in 2009. I don't want my employer to know yet, since I'm concerned they may not increase my salary in the normal round-up, nor pay a discretionary bonus if they know I'm leaving very soon after. How…
Army pensions
Served for 5 years in armed forces would I be entitled to any pension? Regards farquar
22 YO looking for 2nd pension...
As my title suggests I'm a 22 year old working for the civil service. I've been employed paying into my premium pension scheme for 2 years now. I know very little about the scheme as it is. What Im looking for is more information but more importantly I want a second scheme. Can anyone suggest a pension? Im just not sure…
Salary Sacrifice and Tax Relief
Hello, I am a higher rate taxpayer but I haven't yet claimed the extra tax relief on my pension contributions. Am I correct in thinking that I can only do this for the period when my contributions were taken from my 'pay' and not for the subsequent period when the pension contributions have been 'salary sacrifice'? I am…
Fixed Term contract and pensions query
Hi We're hoping someone might be able to help clarify a few pension worries for us! My partner is due to start a 9 month fixed term contract with a public sector body (there is a possibility the contract will be renewed). They offer a final salary pension - 1/80th. He would contribute 6% and they contribute 15%. Sounds…
Ditching some old pension arrangements!
I'm reviewing my pension and DH's. It turns out that DH has a number of sub-optimal pensions: Abbey - protected rights - cash! Abbey Life - about half protected/half non-prot - invested in Abbey Pensions International and Manged series - which both seem to be dogs. Norwich Union - personal pension with a small amount My…
Final Salary Pension
Hi I am soon to be made redundant from a company I have worked 11 years for. In that time I have been contributing to a Final Salary Pension Scheme I now have the opportunity to take the pension as I am over 50 or leave it frozen. I have been told that if I leave it frozen and the company decide to change the Pension…
Transfer or preserve
Not sure what to do. I'm 40 and have 18yr Government Superannuation pension and have now changed employment to NHS- this is also a superannuaton pension but I am unsure as to transfer the value of my benefits to new pension or leave them Please advise me
Annuity Under £1000?
My wife recently passed away and I am in reciept of her pension fund. She was only 31 so it was not a large fund yet. She had £16000 non protected rights (which I can get in cash) and about £1000 protected rights. I have been told that you can not buy an annumity for much less than £5000. But there does not seem to be any…
Early retirement - ill health
A friend of mine (no, really) is about to retire on the grounds of ill-health. Her company has offered what I think is a fairly generous final salary pension and the option of an additional but meagre (because of her young age) AVC pension. She also has the usual option to take a tax-free lump sum. And, to be blunt, if she…

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MSE News

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Martin Lewis: At last a chance to fix Council Tax flaws impacting millions – debt collection, difficulty challenging your band, discounts and more
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Warm Home Discount expansion confirmed with millions more eligible for the £150 top-up this winter – here's what we know
Around 2.7 million more households, including 900,000 families with children, will become eligible for the £150 Warm Home Discount this winter, as the Government has confirmed it will remove the existing 'hard to heat' eligibility criteria. The extension has only been confirmed for winter 2025/26, with further changes possible for future years.
Base rate held at 4.25% – here's what it means and when it might be cut next
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Applied for South West Trains 'boundary fares' compensation? Act now to claim it
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Winter Fuel Payments to be reinstated for millions – Martin Lewis explains how it'll work, what it means and if it's an improvement
All State Pensioners in England and Wales will receive a Winter Fuel Payment this winter, though those who earn over £35,000 will see it clawed back through the tax system. It means nine million pensioners will get the £200 or £300 top-up. Here MoneySavingExpert.com founder Martin Lewis shares his instant response and analysis, and we include answers to your key questions.

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Pensions, annuities & retirement planning

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