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Assisted Pension
Hi all, Have been offered a new job in the last few days :j, and have been told about an "Assisted Penion" which will allow me a payout of a few hundred pounds within the first few months. What exactly does this mean, can't seem to find any information on it?! Thanks
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Can I and should I cash my pension in?
I have a small pension from a job i had when i left school, its plan value is £3563.82 Recently my hours in my new job have become reduced and i am now on a debt management plan an i am struggling to manage my cash at this time. Can I cash this money in to pay off some of my debt. I have read the information from provider…
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wrong place deleted
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Widows Pension
My wife has a state pension in her own right although not at the full rate. While I receive the full state pension. If I die before my wife, after we are both retired and drawing our pensions, will she have her pension made up to the same rate as mine?
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Trivial Payments
My wife is over 60 and retired except for a part time job. She draws two final salary company pensions from her previous employments. She contributes to her current employers Personal Pension Scheme which will only amount to about £2000 by the time she gives up work altogether. My question is, will her company pensions…
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Standard Life funds/pensions performance
Hi Can anyone help, I have a stakeholder pension with Standard Life, arranged as part of the NHS pensions plan, I have been in this for a few years and can see the value of my pension but cant work out how the various funds are doing- overall the pension fund is increasing in value but I have 3 funds invested in but I cant…
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Can I get previous year's contribution contracted out?
I know that previous year's contributions cannot be contracted out, but if I request NICO , will they be willing to consider adding the previous year's contribution to my personal pension plan?
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N.h.s Pension HELP
Hi ya I work for the N.h.s and have a question regarding my pension, they dont give you a annual report or a projected retirement figure , I dont even have a number to quote ,should i nees to enquire about something The only proof I have that I pay it the pension is my wageslip ,has any other Nhs employee come up against…
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Stakeholder pension finder?
Hi there, I have been searching for a "Stakeholder pension finder" or a "Stakeholder pension table" so that I can compare the annual scheme charges between different provides and the number of funds they offer. The only thing I could find is this: http://www.thisismoney.co.uk/stakeholder But this table is quite outdated. I…
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Newbie..need advice on BT Pension
Hi All I hope I've posted this in the correct category. I am now 45 years old and have come across pretty hard times (lost job, recently divorced and claiming benefits). I worked for BT for 15 years and contributed during my employment to the pension scheme. I have just discovered that it is worth the grand sum of..wait…
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Which of my 2 pensions should I pay extra into?
Hi there, I have a Scottish Widows pension as well as a company pension. I want to increase the amount I pay in each month but don't know which one to pick. Is there any advantages in one over the other, such as tax etc? Many thanks in advance, Simon.
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S32 Question
Hi Guys, I had a company pension for 10 years and I did a S32 transfer to Norwich Union now Aviva 23 years ago so a total of 33 years. Now that I am 50 I would like to cash it in before the April deadline so I phoned up Aviva and the initial response was that my pension was locked until 65. :( My question is: Is there any…
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Personal Pension Vs SP2
Hello, Can someone please clarify the following. I was contracted out of SERPS in 1988 and have been paying into a personal pension (although I have more than one pension like many other people that is dormant!) since then. I have recently been advised that I should consider opting back into the state scheme (SP2). I am a…
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Major pension commission rip-off alleged
The Mail reports that insurers are colluding with some advisors to charge massive commissions on new pension contracts in the run-up to the ban on commissions to be imposed by the FSA in 2012. If true, this is a major rip-off .The denial from the companies mentioned is not very convincing.:(…
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Pension-should I take it now
Hi, I am a 51 yr old male, with a private pension made up of a fund of £96650.13, and also a fund generated from serps opt out of £40400.59. I have been advised, by the pension company, that they don't expect the performance of the fund to do well in the future. At the moment, I would be able to take this fund, which would…
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Pension advice - isa or buy-to-let
What should I do, I retire next July 2011, I have £250K in various savings Equity ISA, NS&I, PB's, Cash ISA and plain old High interest account. I could buy a property for say £200-£250K and let it for around £600-750/month - after tax an income of say £550/month to supplement my pension which will be about £600/month. Any…
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Equity Release Question
Could one of you experts please give me a very rough idea of the following: If I was a 65 year old single, white, non smoking male in good health and Owned outright a house worth £400K What could I expect to get per month in equity release (or similar) if the insurance company gets the whole property when I die? Just the…
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Confused need advice nhs pension issues
Hi - I ma just 50 and have about 12 full years in the NHS scheme, having worked part time a lot. However i have been offered another job in the private sector no pension . I have just found out that it seems you can take your pension at 50 up to April 6 th s- I checked this with my nhs pension advsior who aid this rule was…
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Question about a past pension scheme
Appoligies if this is a dumb question, but I'm clueless when it comes to pension stuff. I worked in the civil service 10 years ago and signed up for the Principal Civil Service Pension Scheme (PCSPC) at the time. I worked there less than two years and therefore when I left I got a letter that said as I had less than 2 year…
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Frozen Company Pension
Hi everyone My DW has a frozen company pension. She is now a member of another company pension, but they do not allow transfers in. Would she be best to leave this frozen fund as is, or can she perhaps open a stakeholder plan with it? Many thanks.
