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EdInvestor
May I just ask for a round of applause for this stalwart of this forum, giving free expert advice on all aspects of pension. The board is lucky to have you. :beer: Likewise dunstonh. Thanks very much both.
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Pension advice
Hi, I would appreciate any advice re the following subject please. My dad paid into a company pension for 19 years. When he was made redundant he opened a private pension paying in the lump sum from the 19 year company pension. He then paid into this for a couple of years before he died in 1992 aged 48. Apparently he was…
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Splitting a pension on divorce, advice needed please.
My wife and I (both mid 50s, no dependent children) are divorcing; an amicable split and we're working together for a financial settlement that works for us both. The agreement we're coming to is looking like she gets a big proportion of the house equity (75/25) because she has low income and needs the security of a home,…
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Suitable Pension for a child
I am very fortunate to be in a final salary pension scheme. I see little prospect of my 10 year old ever getting a decent pension from a future employer, so I would like to start one for him now. I aim to pay £50 a month say for 8 years until he is 18, after that he will be on his own. I would like to invest it in UK…
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Is best to transfer my SERPS pensions into my work pension
Many years ago I opted out of SERPS and opened a stakeholder pension with HSBC. Many years later I opted back into SERPS. The HSBC pension currently is worth about £7500. I work for the Police and have a county council pension with them. Should I transfer this money to my works pension?:confused:
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pension top up credit
hi could anyone offer me some advise i have been told by a friend that i can claim pension credit because i am on a low wage can anyone tell me where i should go to find out if i am eligable. thanx for any help
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Trivial Pensions
I am retired and this year I have a further small pension maturing when I am 65 . I am currently receiving an income from a Company and two Private Pensions . I understand there is a system whereby small , trivial , Pensions can be cashed in with part of the settlement being tax free and the balance taxed in the normal way…
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Sunlife Pension
i have a sunlife pension that has not been paid into for over 5 years due to me being made redundant from my last job. i have since found new employment and pay into the companies pension scheme. I have received a statement from my old pension stating that it is worth 14k. I would like to gain access to this money to take…
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No pension at 60
Lady of 60, paid no contributions so cannot get pension based on that. Husband still works and also gets a pension from previous job. Can she get some sort of income support or do they take husbands income into consideration? don't know any facts about the income but they are not an affluent family.
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Sipps
Can anyone help me. I have money in a SIPP. I have taken it all into cash but don't know where to put the money for the best. Can I put it into building societies rather than banks? What else is as good as cash? I don't want to put it in the stock market. Can I take it out of the SIPP? Is there something better to do with…
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Pension transfer
Sorry to bring this topic up again - I realise it's been discussed before, but I haven't been able to find an answer to my question on previous threads. Basically, I have just moved jobs, and have a small pension pot from my previous employer that I have to decide what to do with. I was only there a couple of years, and…
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Transfer Pensions
I have a new pension which i took out with my new employer mid last year, i also have 3 other pensions from previous employers which are sitting there doing nothing,should i put these 3 into my new pension i have now,some people say yes some say keep them seperate. Any help pls.
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Pensions Newbie - HELP!
Right im new to all this and starting my first career job soon. Iv read the MSE article and I think most of it has flown right over! I have been offered a pension where the company matches my contributions. What rate should I put in the min is 3% max is 6% of £25k pa. Since its an investment plan, i guess it is risky? what…
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Toxic SL `safe` cash fund. Plummets
http://www.guardian.co.uk/business/2009/jan/21/standard-life-toxic-mortgages pity help those who had their pensions switched to this as they neared retirement
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Index Linked Pension?
All my pension savings to date have been in ISAs, so I don't have a formal pension. I have now joined a new employer, who offers pension contributions to any personal pension as well as their group pension (Fidelity), so I need to start one. Given the current economic climate, I would like something which guarantees a…
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Single or Married Pension?
Sorry don't know if I should post here or on Benefits Board. Husband is about to retire and should receive full state pension. I'm 52 and don't work, but have an income from rental properties, about £10K profit a year (Accountant put this income in my name to be tax efficient) My question is should DH claim pension for…
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Anyone work / understand how the FSA work?
Not sure this is the correct forum to post this, but being as there has been so much about RBS, possibly might generate a reaction or two. I was listening to J Vine at lunchtime and they were talking about if direct action should be taken against Sir Fred "The Shred" Goodwin, as he oversaw the demise of the RBS, and the…
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Taking 25% Of Pension
Hi this is my first time on this forum,due to financial problems in 2008 my husband decided to drawn down 25% of an old company pension.we contacted the pension co who sent us all the relevant paperwork,of which one was a form for the directors of the company to sign,since september my husband and the pension co have…
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Retirement Plan Pre 65
I will be 60 this year and have enough NI contibutions for full state pension at 65. Currently I am still working and aim to finish this year . I have 2 pension funds one in cash approx £85k and one protected rights approx £55k. My plan is to take 25% cash and add this to £80k savings at the end of 2009 , then use this…
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Paying Class 3 NICs
I just wondered when I might be invited to pay a shortfall for tax year 2007-08 via class 3 NICs? This page suggests I'm nearly a year 'ahead' of the civil service in asking this: Whilst on the same page it suggests a payment made before the end of 2008/09 (and therefore in the 'year after') the NICs will be a the 'current…
