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FSA consultation - mis-selling compensation being paid from with-profits funds
Crosspost - http://forums.moneysavingexpert.com/showthread.html?p=11967995#post11967995
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Protected Rights Etc
Hi I would appreciate some advice.As I understand it the protected rights part of a pension are the rebates from HMRC from contracting out and the rebates are invested into an individuals personal pension.Is this correct? Thanks.
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Stakeholder Pension
Hello, I'm new to this forum so please excuse my noob'ish question but my company has given me a pack for a stakeholder pension to look at and fill in if I choose to go-ahead with it, I have never held a pension before in my life and I am not sure what to do as I am on a low salary and can't afford the monthly payments,…
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how much is enough??
Hi, I am 30 years old and have been paying only £50 into my legal & General stakeholder pension since I was about 24 years old. How much roughly should I be paying into a pension fund if I HOPE to retire at 58 say?? Thanks in advance
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Teacher pension
I am a 33 year old teacher and have a teacher pension scheme which I pay into. I also pay £50 per month into AVC'S. I have recently opened a stakeholder pension which I also pay £50 per month in and a ISA with the same amount again each month. Would I be better consolidating these payments into just one fund or is it best…
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Can I transfer my opted out SERPS Pension from Windor Life
And should I? It doesn't seem to be doing so marvelously, and quite frankly, the company is about as communicative as my garden wall. I opted out of SERPS back in 1988 through General Portfolio aka GAN aka Windsor Life. I'm 49 now. Can I switch my pension to say someone likeScottish Widows or would the charges make that…
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SIPP/Financial Advisor
I have a number of Personal Pensions with various companies that I'd like to consolidate into a SIPP (performance of some is poor, and with limited choice to change, and charges are also too high in some cases. I think the SIPP would address this and also give me some flexibility given my income/retirement plan). My…
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pension plan
I have a personal pension plan that has 47k in it that i cant claim till i am 55 i am only 40 years old but am in desperate need of funds to avoid my home being repossessed is there any companies out there that could solve my problem or can i take out a loan and use the pension as security
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SSAS looking for a good stock broker - Suggestions?
The SSAS, of which I am a Managing Trustee, has just sold a commercial property and has some funds to invest. Some of the dividend yields on some of the stocks in the FTSE 100 are beginning to look attractive - even if they are halved! Certainly they look very much better and more attractive, than the interest gained from…
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SERPS etc
Hi - I'm new here and am looking for some advice...... I opted out of SERPS back in the late 1980's and had a personal pension plan which I put on hold in the mid 90's. I joined a large company a few years later and took out their company pension plan - it was a good one. I'm now in my early forties and am wondering what…
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PensionsPlus
I am currently in the Universities' Superannuation Scheme, and my employer is launching something called PensionsPlus. They have told us very little about this so far, and we will not be given very long to decide to opt out of it. The little I know comes from this webpage:…
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Help with Pension
Hi, I had a pension with my work through Standard Life, but was made redundent in December 2004. I'm now with another company who don't deal with pensions. What is my best course of action; Make the pension private and pay in myself? Cash it and put in savings in stead? Leave it as it is and start a new one? (although it…
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Retirement State Pension
Hi My parents are approaching retirement and both have enough contributions for a full state pension. But is it reduced because they are a couple? I know my mums pension will be about £90, and my dad has full contributions too, so will he also get £90 too? Thanks
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ISA's and Declared Savings
Many years from now, (hopefully) when I may need to move into a care home I have heard that any savings held within an ISA are NOT taken ino account as ones savings when you may need to fund your own care as opposed to your local council paying?. Is that so? fj
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Annuity Pension Cash back
About a year ago I ran into some difficulties and decided to cash in a small pension and AVC I had with HSBC. The the main part had been stopped for 16 years, having joined my company pension scheme, the second part being the AVC's which I was still paying @ £25 per month. The long and short of it is that HSBC arranged an…
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should i transfer into my stakeholder pension
I worked for my last employer for 41/2 years. It was a final salary pension with samworthbrothers limited superannuation scheme. My pension value is £1658.25. I would like to know would it be btter to leave it where it is or tranfer it into my nrwich union stakeholder that way all my money is in one place thanks louise
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What to do?
My dad is due to retire in October and will be receiving 30,000 in a lump some. He owes 52,000 off of his house. Would it be best for him to pay it off his mortgage or stick it somewhere to earn interest on it. His mortgage is linked to the base rate and is at about 6.5% at the minute. thanks:money:
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Good time to cash pensions in or is it best to wait?
Hi Im after peoples individual thoughts /ideas based on the following circumstances:- Wife aged 54 working part time and claiming carers allowance, earning £135 per week after tax, Husband 62 retired and in receipt of disability living allowance and incapacity benefits all at long term / indefinite rates. They own their…
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Transfer with-profits pension to HL?
I've had a personal pension with Scottish Life (a Talisman policy) since 1987. I stopped paying into it in 2000, and my most recent statement (from September last year) showed a "plan value" of £46k, and a "with profits" fund of £68,500. I noticed that the "plan value" had only increased by less than 6% during the previous…
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withdraw money from equitable life?
I have a with profits pension with equitable life-funds total less than £2000-can I withdraw this money as the pension is no longer required? The money was invested approx 2 months before the company crash!! Thanks in advance
