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opt back in to serps?
Hi, I am 37 and opted out of SERPS when i was about 17. I have heard that it is probably best i opt back in - is this correct?. Does the fact that I am self employed make any difference? Thanks for your help
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Cash From Pension
I have two policy's from which I can take a 25% lump sum from in one years time. I want to borrow against this now, who would I contact to facilitate this.
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Company Pension Move!!!
Company is fishing around at my message - so deleted
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I read somewhere....
Most probably on here, that form 20xx (maybe 10?) that employers have to contribute towards employees pensions. Can anyone refresh me of the dates, the amounts, and any linkage elsewhere? Uber thanks,
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avc for the future?
Hello, I've been looking through various posts and found them extremely useful and insightful but am still confused on the best place for my money, so I thought I would seek some opinions on my dilemma. I invest £120 a month in a railway AVC scheme, BRASS, the funds (stocks & shares) haven't performed that well over the…
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Cashing In Pensions
Hi, My husband recently discovered 2 previous pension plans. One had about £7000 and the other about £3000. He contacted the companies to find out if he could take the money out with a view to putting them in an ISA or our daugthers trust fund and was told he can't cash them in until he is over 50!! Is this correct ?…
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Under 50 pension cash
My daughter has pension from a previous employer to which she no longer contributes. The sum is under £2000 can she cash this in
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DH listening to "general wisdom!"
IF DH retires this year he will get a final salary pension scheme which is index linked and if God forbid anything happened to him a 50% spouse pension. He is now enamoured of the idea of taking a lump sum and a smaller index linked pension!:mad: We will have savings so it is not as if we need the lump sum and I think it…
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Pension charges not in annual statement - why not
Howdy, my first post. I wonder what your experience is with pension charges. I recently received an annual statement for my Standard Life pension. It has plenty of information about the pension fund, but does not mention charges, and does not say how much has been taken as charges in the previous year. I know the charges…
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Ex Pat pensions
Hi everyone. I am a little concerned by the pension issue. I am 27 and really think its time i started saving some money! However, i am currently planning to travel, im not sure for how long but i will work abroad, possibly in Asia. I may return to the UK but i was wondering how i go about saving for my pension? I have…
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What Now!
Any advice appreciated, Just received my statement from Scottish Equitable re: Private Pension, showing transfer value Feb 2008 £44,868,transfer value Feb 2009 £36,973! and whilst i was prepared for bad news, this is a total disaster. What are my options?
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Larger NHS Lump Sum or higher pension?
My husband is about to take retirement at 55 from the NHS. He can take £60K lump sum and a pension of £21K or a lump sum of £114K and a pension of £17K. We have no mortgage, but a new house that needs doing up. I do not work due to ill health and bring in approx £4K a year. My husband may do the odd day in the future, but…
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National Insurance Refund
Hi Everyone! I've seen a group on Facebook and a couple of websites about National Insurance Refunds. Basically you have to apply before 5 April 2009 for all your National Insurance Contributions to be addded/transferred to your own pension scheme. Has anyone heard about this scheme? With things the way they are I can see…
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Parents Home & future care costs
Hi all, Newcomer to this site and I'm not sure ive posted this thread to the right forum. So please forgive me if ive got it wrong. My question is this.... My parents are both alive and live in their house, which has now been paid for in full. Sadly my father is not in the best of health, and although dreadful to consider,…
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buying AVC or added years with redundancy payout
I am keen to minimise my tax on redundancy payout. Also keen to increase my pension. Would it be a good idea to purchase AVC or added years, if available in my company's final salary pension scheme before leaving? I have 18years service.
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New EEC rules on final salary pensions?
I have been trying to talk my husband into taking early retirement while his final salary pension scheme is still available. A neighbour who is younger than DH and works for a private company that also still has a final salary scheme said that he has thought of taking early retirement but that new EEC rules means he would…
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Should I leave pension with my employer after leaving?
Would be grateful for any advice please. I am considering leaving my current employer under a voluntary redundancy scheme. I have a pension fund of approx £170,000 in my employers scheme. Upon leaving I have the option to leave this sum with them or transfer it somewhere else. If I leave it where it is then there will be…
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advice please
Hi my wife is 60 in November,when she worked she nearly always paid the lower stamp,and a review by the pensions said she was only entitled to PENCE,even though she worked for many years.-My question is will she be entitled to a pension at 60 based on my [her husband] contributions ?---she claims carers allowance for me as…
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SIPP recommendation Needed
Hi, I have decided to open a SIPP (Self Invested Pension Plan), any experienced guys/IFA pl let me know the best providers interms of available product to invest in and also the charges. Thanks in Advance
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State pension
I have just checked my pension forecast and have only 26years allowed, I remember hearing that you can buy the missing years does anyone know how i go about this and is it worth it
