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Changing Government pension payments
Unfortunately I have lost all my previously saved emails from Martin's Money saving Expert. Can anyone point me towards (or give me details) of the article where Martin suggested changing from 4 weekly pension payments to weekly to obtain a little more money each year. Look forward to your help
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opt out of serps
Hello can anyone advise me if it is best to opt back in to serps as i opted out a few years ago now people are saying it is best to contract back in thanks.
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PENSION closing, what now?...
Hi guys, iam 31 years old and have been paying into my company pension for 10 years. i pay £150 per month. now, the scheme USED TO BE VERY GOOD for every £1 i put in, the company put in £2. now, however, they are closing this scheme and offering us an option to go into a 'personal stakeholder' pension with legal and…
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Uncle not paid NI wants to move abroad
My Uncle is looking at moving abroad. He is 54 atm and has enough money to manage until retirement age but after that he's not sure. He wants to know if he would be entitled to a state pension while living abroad but he's not paid any NI. He's always been self-employed and just hasn't paid any. I'm not sure how he got…
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Defined benefits pension not paying out
My Dad took early retirement about 2 years ago, and his final salary pension (plus a lump sum) was due to commence on December 28th Six weeks later, and he has not received a penny. The company, and the pension trustees, are telling him not to worry but that they are just pulling the funds together, and he should be paid…
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House "IN TRUST" advice please
This is my first post so I hope it is in the right place. I have retired. I am not married but live with a partner. I have been advised by a solicitor that it would be beneficial to me to put my house 'IN TRUST' to my only daughter. If I did this, with conditions to my particular requests, and I were to go into full time…
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Age 30, no pension.. where to start?
Hi I am 30 now no pension, have been working abroad for many years so very little NI contributions. I have personal investments, but no pension whatsoever, I am self employed at the moment, whats the best thing to do for me?
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Accessing pension fund
Hi all. Hope this isn't a stupid question but i don't know much about pensions. I paid into a company pension scheme for a few years until i took redundancy. Due to health problems i won't be working full time again so i can't move the fund that was built up into another company's scheme. But i'm decades away from the…
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Help with my late dads work pension
My dad sadly left us and we have uncovered a complete financial mess, he always said he was covered with his pension which he recieved from working at northern Electric for years, now we have found some old paperwork which would seem the same figures he used to talk about but we cant find out who to contact or if it is…
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Pension Contributions for a 29 year old?
I am 29 and a complete beginner when it comes to pensions. I have recently joined a company who are going to contribute 6% of my salary. Is this the right time for me to start to make contributions? If so, how much per month? (My salary is £28,500).
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Group Section 32 Buy Out
I have been informed that an old company pension with Scottish Equitable (High Equity With Profit Fund) is being transferred by the trustees into my own name. The Financial Management company that is dealing with this transfer has chosen as the default fund the Aegon SE Managed Mixed Fund. I am considering retiring in four…
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Lapsed pension
Hi I have a private pension through work that I don't pay into anymore because I do not work for the same company. I do not work at all due to long term illness. I have not paid in to the pension since July 2007 when I left my employment due to redundancy . I keep getting statements that show that the money is dwindling at…
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Clueless about my pension!!!
Okay so I'm almost 31 years old and work as a civil servant. I pay into the pension scheme with work but other than that have no savings towards my retirement. I have no idea what I will get from my work pension and for the last couple of years have just been hoping for the best!! Now I want to get a little more clued up…
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3 pensions - to merge them?
From working for various companies I have accumalated 3 pensions with the same pension company. 1) Stakeholder Maximum Annual Management charge 1.5% Actually Annual Management charge 1% Discounted Initial Charge 0.352% - 0.648% actual charge 0.1% discount if £25K, 0.1% discount if £50K etc Only Pension Company Funds 2)…
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keep on working and draw pension
hi I am considering drawing my pension in August but continuing to work as my husband who is younger may be made redundant in the next few weeks and we will need the additional monies. Please could you tell me if my workings are correct my gross is £17370 pa currently my net at moment after tax and Ni is £1149 per month,…
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SIPP Advice
Hi, Currently a base rate tax payer (but will be moving into the next bracket in the next year), have a final salary pension with my employer, a cash ISA with rainy day money, a stocks and shares ISA that tracks the FTSE Allshare and a bond fund. Total is about 3k, basically mid term savings. I also have a stakeholder with…
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What should we do?
My wife has not been paying into any type of pension or savings since our second child was born nearly 6 years ago due to her giving up work and we want to start putting some money away so she has some kind of pension/money coming in but don't have a clue what to do? Any ideas? would ideally be wanting to put something…
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Earliest Retirement Age
I have a Classic CS pension and wanted to know, is there an earliest age at which you can retire and what effect this has on the pension that you receive. We are in a position that we could get by just on my DHs salary, so I'm not sure if I left work what would happen to my pension and when I would be able to start earning…
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Pendragon Pension
Hi alljust after some advice on my frozen pension. It is a final salary pension that i paid into for around 16 years, i have been out of it for 5 years now. It was frozen when i left and am wondering what to do with it. It is with car dealer Pendragon. I am now in a Local Goverment Final Salary Pension but cannot transfer…
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Help for friend receiving only 66p pension
Hi, my friend told me today that she was receiving only 66p a week pension. This can't be right surely. She was 60 in October last year, She's married - husband is 63. She has worked all her life-for employers , paid full 'stamp' till she married in the late 1960's then paid reduced married woman contributions(for I don't…
