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pension woes
I have been living abroad (Australia) for a little over 2 years and I have a small UK gov pension with the pcsps. I have been in contact with the relevant department (who were not much help) took 2 months to get me a quote for transfer which expired a week after it arrived :( The most helpful thing they did was say I could…
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fsavc transfer
Evening All Please can anyone offer advice on the following. I have been paying into a FSAVC for past 15 years, currently £110pm net. I received compensation 6yrs ago for misselling but have continued to pay. I'm finally looking to switch to another scheme. Most obvious route is to transfer to my local government AVC run…
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Trivial commutation - advice needed please
I'd be really grateful for any info or advice on the following pension problem. (I am a woman aged 55, will be 56 this year). In 1988 I opened a Retirement Investment Account with Abbey National. My then employer had no pension scheme and I was worried about the major cutbacks to SERPS. I was then (and still am) on a…
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Old pension policy
I was in the Fire Brigade for 6 years and paid 11% of my salary into their pension fund which equated to approximately £15000. Can i recieve that money as a payment back to me?
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Pensionlite-does anyone know anything about this company?
I am currently talking to a pension management company called “Pensionlite”. Does anyone know anything about this company? Are they reliable? Is it cost effective and better to use a pension management company instead of a Financial Advisor? The previous FA that I used did nothing apart from collect their commissions from…
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Obscene spending on Aviva "celebrities"
What are Norwich Union thinking of spending 9 millions on the fatuous, unimaginative Aviva advert which has lined the pockets of wealthy individuals like the charmless Ringo Starr? The new name is unnecessary, meaningless and sounds like one of those juvenile teams on "The Apprentice" My husband has paid into a stakeholder…
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Should he transfer to a lower risk fund
Hi Everyone My husband has just had a letter from Abbey Life to ask if he wants to transfer his pension investments to a lower risk fund for the remaining 5 years. What do you think?
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Pension Funds where to invest
I currently have Pension fund with Clerical Medical investing 50 50 in the following funds Pacific and Adventurous Managed I am looking to switch the funds - any advice on where to invest. Thanks Iain
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Need some guidance about national insurance contributions please
Hi, I recently got a letter from HM Revenue & Customs about my National Insurance Contributions but I dont know what to do for best, can anyone help please. I stopped working in 2005 and started trying to make a living out of stocks and shares which I have built up over several years, all within ISA's so no tax etc. and I…
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2 pensions not sure what to do?
I have 2 pensions, not sure whether to transfer to one, pay into both or what, details as follows (haven't paid into either for 5 years but wondering if should be starting to again as worried about state pension (self employed). Pension 1 Canada Life (CANLIFE MULTIPLE INVPS4) Value: £19,793 Transfer Value: £19,793 Total…
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Legal&General Stakeholder, which funds ?
Dear all, I have been reading on this forum for some time now, though never posted. Very helpful community indeed. Thanks. I now have question that puzzles me a bit. I have 3 months ago started a new job in London. The company is offering a stakeholder pension with L&G ( they initially will contribute 3% going up to 6% ).…
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Should I take my Annuity
I have just received an annuity quote for my personal pension. I do not need to draw this yet as I am still working. Should I wait until the current financial climate has improved or should I take the offer.
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Is State pension better received weekly or monthly
Hi. I retire at the end of August this year. I will be 60 in July. Will be receiving a NHS pension as well. I remember reading on here a while ago when its better to get paid State pension paid but cant remember. Have received my State Pension forecast and hoping my manager goes through the proper procedure for my work…
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Question about Protected Rights
Hi - Apologies if this is a basic question, unfortunately my knowledge about pensions is pretty basic :o I've had a company pension scheme through the Prudential for the past decade which in truth i've paid very little attention to. I've dug out last years statement to try and establish what my contributions are worth to…
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Sipp question - Commercial/Residential
At what point does a piece of ground with planning permission become residential? Is it when you begin building works, or when you connect the utilities or when you put the door on........? My sipp provider said it was when building works start. But I thought to myself what makes it residential just because you start…
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Standard Life pension system error and goodwill cheque
Hallo, I have received a letter from Standard Life about my pension informing me that since April 2001 "certain system processes run since that time caused an error in the valuation of your plan. We have corrected your plan to put you back in the position you would have been in, had the error not occurred." They then…
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Old personal pensions
I had a personal pension in my twenties with Virgin. I didn't pay into it for very long because I got into debt instead :o There's only around £3,000 in it and I've not contributed for a long time. I make a small contribution into a company pension, but otherwise I'm concentrating on clearing my debts before I do anything…
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Sleepless Nights for Czech Finance Minister as Eurozone Economy Sputters
By Jason Simpkins Managing Editor Money Morning Economic confidence in both the Eurozone and greater European Union (EU) hit a record low in December, adding to an already long list of challenges that face that region. And even though policymakers have an economic stimulus package in place, confusion over future fiscal…
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thank you
Apologies if I'm going off post here but OH and I are on holiday this week because we couldn't get any time off during festive season. Back to work on Monday. Can I just take a moment to thank everyone who contributes to the MSE forums (esp this one) for finding the time to not only share their experiences but also give so…
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40, female, self employed - no pension!!!
I am a 40 year old self employed female - married with 2 children. My husband is a student on an NHS based degree that will provide him with a Band 5 salary to start with in 2 years. I don't know what pension he could get with that when the time comes. I know he has very little other pension entitlement. He has a frozen…
