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Shadow Chancellor George Osborne issues annuity pledge
article from sunday. http://www.timesonline.co.uk/tol/money/pensions/article7017569.ece
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Deleted thread (n/t)
Deleted thread - nothing to see here!
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Pension help?
Hello - I posted this on the motley fool site but also know there is good advice to be had here. Please see the message below: Hi all, Firstly, profuse apologies if this has been discussed to death!! I found a dust-covered Motley Fool UK Investment Guide at the bottom of my bed which I got halfway through several years…
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RDR 2012-Affecting Consumers - Charges/Fees
Can anyone help and shed some light on the above for me , apparantly i am in process of changing my pensions from Cash Funds (where we transferred what bit we both had and then set up a regular saving amount each month for about 12 months now where the regular saver goes into some form of Bonds. Now with all the changes !!…
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Paying voluntary NICs
http://www.pensionsadvisoryservice.org.uk/tkflow/Flow.aspx?f=TPASVoluntary%20NICs&template=TPAS_Template_new&xsl=dtree_new Useful calculator helps you work out whether it's worth boosting your entitlement to the state pension.
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Wanting to start pension for wife - advise please!!
Hi All! Just after some advice please. I am now in a position with a little spare cash to start putting some money away for a pension. I would like to start putting about £200 pm away for my wife (30 yrs old, housewife, no current pension arrangements). Can anyone advise some good plans to look at? Preferrably something…
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Advice on pension pot.
Hi everyone, as some may remember my wife looks after my BILs financial affairs, he wold blow the lot and be on the street! He has now retired and just got a cheque for £17,000. So what to do? £1000 will go into the bill paying account as a cushion. £6000 ready at short notice, he is already planning an expensive railway…
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Lump Sum (commutation)
Hi, Does anyone know if you can determine your maximum cash lumpsum from just your pension at the date of leaving a scheme or your pension to be paid at retirement? Or do you need to know your "Pension Pot"? What are the necessary calculations to be made? Thanks
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Section 32 Plan - to take or not to take!
Hi everyone, I have been looking at this forum for a few weeks and wondered if anyone had any comments or observations on a plan I have. I'm 50 in early march and therefore have around 4 weeks to decide if I want to take any tax free cash from any of the pension plans I have, alternatively I do nothing and leave till I'm…
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Leaving NHS pension for private company
Hello I am 24 years old and working in the NHS. I have worked since August 2007 (2.5 years) and paid into the NHS pension schem since day one. I am changing jobs to a private company and i am aware that the pension scheme will not be as good as the NHS. I believe the scheme is a contributiory pension scheme where both…
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3 pension schemes - merging advise needed
I am 35 and have 3 pension schemes 1) a company pension which i regularly pay into and am happy with 2) a private pension currently valued at £12,000 not paid into for 8 years and no plan to ever pay in again 3) a private pension current value £2400 once again no payments for 8 years and no plan to pay into it again. I am…
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Salary Sacrifice - Cash Withdrawal
Hi I've paid into a Salary Sacrifice scheme with my presnt employer for over 3 years. I've been told I can't withdraw cash from them as I've gone past a 2 year threshold. However, they did say it might be possible to transfer monies to an external pension scheme which may allow cash withdrawal (albiet I'll lose a portion…
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Heritage Legal & Financial Ltd
Has anybody heard of this company? They are in the business of writing wills, setting up Asset Trust Funds etc. They seem to be very efficient and helpful, but I would like to know that they enjoy a good reputation before I part with my money.
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Pension Fund tool
Good afternoon, I have a number of pension pots and would like to keep more of an eye on them. Does anybody know of a tool, where I can track them all? Thanks
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Pension Fund tool
Does anybody know a website, which tracks pension funds?
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Pension transfer
Hi, I'm 28 and I have 15k-20k in a DC fidelity pension scheme under my previous employer. I have now started working in the public sector and have just started a 1/60th local government final salary pension scheme. Should I transfer my old DC pension into the final salary one?
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How to calculate your Nuvos Pension
Hi I am about to join the Civil Service Nuvos pension scheme and am trying to find out how to calculate what my pension might be when I retire. I was previously in a final salary pension and it there was a very easy calculation available to work out my final salary pension, but this Nuvos scheme does not seem to offer a…
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Valuing a pension
Hi folks I was wondering if anyone could point me in the direction of how you would value a final salary pension (in terms of what it's effectively worth as salary per year)? The two ways I can see of doing it is to either work out what annuity you would have to buy to give say 1/4 of final estimate salary and then work…
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Transferring FROM one SIPP into another?
After retirement, for complex though valid reasons, I took my pension as a lump sum, which I then transferred into a SIPP. This fund is of the "income drawdown" kind, but no income has yet been drawn down & so is intact. I am concerned about the level of annual charges on this (which recently went up), and am interested in…
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Should I draw part of my pension at age 50 to reinvest?
I have turned 50 and realised that I can draw a percentage of my various pension funds now and re-invest them. There's approx £250K available so, from what I can make out, I can take around £62,500 without having to pay taxes. My mortgage is about £20K and will be cleared by the end of this year. Interest rate is kicking…
