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stop pension
been paying £23 per month ona pension since i was 17(iam 40 now)if i was to stop it,would i get all the money back???
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Pension contributions lost due to industrial action
I was recently involved in a strike at work - I work for my local council. I realised that my pension would be docked accordingly for the two days strike action, today I have received a letter offering me the option to make up the difference in my lost pension rights. Something else I expected. Is it worth me paying the…
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Can someone verify that my tax refund on my pension is correct?
I have little faith in the Inland Revenue. Recently they calculated the refund on my pension contributions (I am 40% taxpayer but do not complete a return, and so I wrote to them with the details). I was not convinced it was correct, and low and behold it transpired they had calculated it incorrectly. I therefore dealt…
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Stop pension conts & overpay mortgage?
Would welcome advice please. We have been looking at hubby's latest private pension statement and its dismal performance not only this year but for several years - and thats before the current debacle (!) When we took it out 7 years ago we were assured (which we naively believed) that the amount of our monthly contribution…
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Moving shares to another provider
I would normally have posted in the savings section but its swamped with Icesave threads. My question is very simple - I have a couple of hundred shares in one name held in my name and need to move this. Its a US stock and is denominated in dollars - Dividends are also paid in dollars The shares have already been bought…
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rollin out!
I would like to find out after I quit my job how long before I can get lump sum from retirement & stock plan I have $16,000 in it.:confused:
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Deferred Occupational Pension with Bradford and Bingley, is it safe?
Hello all, i would be grateful for any advice: my husband worked for Bradford and Bingley for a period of 10 years untill 1994, he has a deferred occupational final salary pension with them for this period, he also transferred in an older pension from bt etc. Now with all thats happened with Bradford and Bingley, will this…
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Invesco Perpetual vs F&C All Share Tracker
I m seriously thinking of putting 40K in a fund but I ve not ben able to figure out which one I m with Hargreaves And lansdowne and have narrowed my choice to the following: 1) F&C All Share 2) Invesco Perpetual High Income The F&C fund has a 0.3% charge which is very small whereas the Invesco fund has a 1.75% charge.…
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ford motor company
ive just been laid off from ford motor company dagenham , ive been working there for 18 months and im just wondering if i can claim my pension back and would it be cash or would they do something else as im not aware of what happens , im only 23 so im confused in how it all works , i pay £43.06 a week into my pension and…
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Pension Question
Hello - this may seem like a very daft question, so apologies if it is obvious or dopey. I have a small amount invested in a personal pension with Friends Provident from a previous job (approx £12K as of today, but probably falling fast!) I haven't added to it as I am no longer working, and am paying a management fee for…
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advice on private pensions
I wonder whether anyone could advise me on what to do with two private pensions. My husband (43) has been paying £100pm into a pension (scottish life talisman) for the last 20y. he opted out of serps at the same time. I (45) have been paying £50pm (abbey) for about the same amount of time and also opted out of serps. We…
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Transfer pension in current climate?
Hi I've had docs through today from my employer's new pension provider offering to transfer the funds from our old scheme into the new one. The yearly admin charge goes down from 1.5% to 0.7% so that's a plus, but, in the current climate of crumbling share prices, is it worth it? To my mind, if I transfer now, then it'll…
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Protection for AVCs
I am currently contributing AVCs into the Prudential deposit fund. With all the current financial shenanigans in the financial markets does anyone know what level of protection is offered in the event of problems at Prudential? e.g. is it only covered upto £50K or inded is it not covered at all?
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Persion split ?
I'm asking this on behalf of my sister-in-law (ex). My brother is a prison office, he is due to retire at 55 which is in 12 months, with an index linked pension and a gratuity. They got a divorce a few months ago, and part of her settlement was she received 50% of his pension. She is not thinking straight at the moment and…
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Private Pensions & Credit Crunch - are they safe?
Sorry if this has been asked already, I ve read through some similar threads on here but dont fully understand the advice / info that has been given. My husband and I have 3 private pension plans that we set up when my husband was self employed, we havent "taken" the pensions as yet and dont intend to for another couple of…
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overpay mortgage or increase pension?
Is it better to overpay on the mortgage or to increase pension payments? My husband is a higher rate tax-payer on a final salary scheme - the most recent stuff from them that I can find (2007) says that his company pension will be around £22k pa on retirement. I am currently not working ( at home with small children for…
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scottish widow loydds takeover
i have had a letter from scottish widows trace dep i had a policy with them over 20 years ago i forgot about it now thay say i mite get a windfall paymeant because loydds tsb takeover from what i can find out it was a few years ago has anyone had a paymeant if so how much and how long will it take thanks for reading
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Panicking a little about my retirement!
I was looking over a pensions booklet in the Doctor's today which explained in helpful terms that I won't be entitled to a state pension until I'm 68 years old. 68!! With my family history I'll probably be dead by then! Anyway. I work in the voluntary sector and from the end of this month I'm likely to be unwaged for the…
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FTSE100 Tracker Recommendations
I m looking for a FTSE100 tracker product that I can invest in :( So far on Hargreaves and Lansdowne I have only see FTSE100 trackers that charge a 1% annual charge which I think is quite significant Does any one have any suggestions of products which offer a better fee then this? I understood the ETF's are more cost…
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Paying Into Pension To Keep Basic Rate Tax Payer
I decided that I want to put money into my pension and I have just found out that doing this through self sacrifise is tax efficent In simple terms my tax code is 603L, I ve just started a job paying 50K and want to pay anything which makes me a higher rate tax payer into my pension. Does anyone know at what rate higher…
