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Pensions, annuities & retirement planning
Archives for September 2011
Discussion List
Comparing charges
I'm looking to transfer my various old pension plans into one plan. But it seems very difficult to compare charges to find the best value provider. I'm looking at keeping my current personal pension with Standard Life or openning a SIPP with HL. But comparing the TER is not easy. Which one is likely to be cheaper and do…
Pension Credit Overpayment
Please can someone give me some advice? I received a letter from DWP stating that i have been overpaid Pension Credit since 2009!! and they want it all back!! This is through no fault of my own, as when I turned 65 I received a small private pension from a work place where I only worked for a couple of years, I informed…
Goodbye public sector pension. What now?
Hi - I'm new to the Money Saviing Forum and I'd be really grateful for some advice. I'm 41, I've just taken voluntary redundancy and so I shall not be able to continue contributing to the fabulous public sector pension that I paid into for 16 years. My understanding is that that will simply sit dormant until I'm 65 and…
Pension projections - clarification
Hi all, If a life company issues a pension illustration that projects an annual pension of, for example, £10,000 pa is this : * on the basis of the fund as it stands and growth at the indicated rate or * does it also assume that contributions will continue at the current rate? (I know, I know, read the documentation - I…
Final Salary or transfer
I am a 53yr divorced male with x2 non-dependent sons, looking to retire in 18 months time. I have a final salary scheme that wil pay me £31k pa along with £200k+ lump sum in 2013 (transfer value £850k). My dilema is whether to except this or transfer into a personal scheme take the lump sum and take advantage of the new…
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