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If Gilts are low risk then why has the BGI Index-linked gilt fund fallen today?
Its 4% down in line with the FTSE. I thought this was a safe fund in times like this, so why has it fallen? I should have gone to cash I think. Can anyone more knowledgable explain / advise please
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Getting out after 1 yr
Sorry if this has been asked before, didn't quite know what to search for! I have been paying in to my local government work pension for just under a year, and have resigned. Does the money paid in so far get lost? or can I get it out at all?
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Comments on my Investment Choices?
Good Evening. I recently joined my employer's Pension Scheme. The scheme is a Group SIPP operated by Hargreaves Lansdowne on behalf of my employer. I contribute 6% and my employer matches that. I'm 22. The scheme gives the option of a "Default Fund" which in this case is the Schroder Managed Balanced Fund. I am very…
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frozen pension plan
I have a frozen pension plan that has been taken over by another company. They have offered me a lump sum through Prudential. Am I allowed to to go on the open market with this to try and get better amount, if so how do I do it
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State Pension Advice
Hi All My wife reaches 60 at the beginning of next month. She is presently in full-time employment and intends carrying on working - not sure for how long but probably another few years! She is not sure whether it is more beneficial to claim her state pension but have it deferred until she stops work or to receive it once…
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Selling pension scheme
I have a frozen pension scheme originally by Allied Dunbar coming to completion. Zurich now have my scheme after buying out Allied Dunbar. Zurich are offering a lump sum through Prudential, do I have to take this or is there a way to negotiate selling this to the highest bidder on the open market Thank You
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Pension pot and £35,000 FSA guarantee?
At the age of 65, my pension pot (pension not yet taken) with Halifax is well in excess of £35,000. Are pension pots covered only to the usual £35,000 FSA guarantee? I would hope that they are protected to a greater extent. Comments pse. M
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what are my husbands options at 50
My husband has been paying into a personal pension plan with Royal London for twenty years and on his 2007 pension statement it is giving the option of taking the pension from age fifty even though he is still working, well he is fifty in a few months. We had been thinking of stopping the payments for a while as this money…
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Retirement pension
Hi, My sister will be retiring (60) next August. Does she need to be doing any preparation or is it all done automatically? She actually stopped work a few years ago, due to ill health. She is getting some kind of benefit, ( not sure what) also a pension from her full accumlated years in employment, not sure if it is still…
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Should I transfer my pension to present pension?
I have 4 other pensions from previous employments and now I have a 5th one with my present employment. Two of these pensions are with Standard Life, 1 with zurich, 1 with Norwich Union and the present one I am with is a Local Government Pension Scheme. Now I am not too up there with pensions but there is about 2 of the…
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Should I start AVCs?
I've been paying into a Final Salary LGPS for 6 years as a lecturer at a University. My wife is looking to start a personal pension so I was considering whether putting the equivalent of what she would put into a personal pension into AVCs would be a good idea. Any opinions? Many thanks
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Cashing In My Pension.
Hi I have ap ension worth about £1700, i haven't paid into it forwhat seems like decades now and the latest statement i recieved shows that i will recieve £25 a year on retirement. Obviously £25 a year isn't going to keep me in the lap of luxury so i'd like some adive as what i should do with it. I don't intend to pay…
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Whether to move pension scheme money...
A family friend has been put in an awkward position, after working for a company for over 20 years, started a pension with them, then made redundent. After leaving, the pension scheme started has been changed and he has been offered a variable interest rate on the pension, this being possibly not the best place for the…
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Transfer to SIPP
I am currently reviewing my pension arrangements following a recent change in jobs. At present I have 4 seperate pensions and I want to transfer them all to one SIPP and invest in individual shares. The combined value of these pensions is approx £35k and there will be an on-going monthly contribution of aprox £300. Who are…
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No pension as yet!
Hi I've been thinking about this for a few months now and just dont know where to go with it, I'm getting married next month and neither of us have a pension, from what I've read current pension deals are falling short of expectations and this puts me off buying into them. I have a mortgage which has 20 years left I'm 26,…
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Early release of Company Pension at 51 years old
Any advice appreciated on the merits or otherwise of trying to take a pension early. I have a deffered UK Company final salary pension due in under 4 years when I will be age 55. I took this option some years back under a voluntary redundancy scheme - I worked for the Company for 28 years. I am now very seriously…
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Medical Retirement
I have been employed by the local authority for 19 years and I have been off work sick for 6 months, initially with work related stress and depression. I am a Paraplegic (T4) having severed my spine 25 years ago, I therefore have many physical health problems. The mental strain has had a detrimental effect physically on my…
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Railway Pension - Defined benefits or defined contribution?
Hi everyone, I am shortly to start work as a graduate with a TOC and have been offered the choice of a defined contribution pension (5% matched 1 1/2 times) or a defined benefits pension (10.48% employee contribution). I think I am getting my head around the differences between the two and so am leaning towards the defined…
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Looking for plumber in San Diego
Hi- We are looking for a plumber. Can anyone recommend one? Thanks!
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alfiecoo
i have a deferred pension with 24 years service. i have left this company six years ago and need an update of value of pension which the company is refusing to send stating when i am 64 they will produce a spreadsheet containing valuation of pension.i am 53 now how do i plan future pensions without knowledge of this one.Is…
