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Pension Funds & Value investing
Morning, does anyone know of a pension fund that uses Value Investing principals? Value investing has taken many forms since its inception, it generally involves buying securities whose shares appear underpriced by some form(s) of fundamental analysis. As examples, such securities may be stock in public companies that…
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Pension Cash
HI, I am after advice. Since leaving the RN 3 years ago I have been working for a company and accruing extra pension money with Scottish Widows. To date this amounts to just £13,000. If I am luck enough to stay till retirement It would be about £35,000. Given I have my Service Pension would I be able to draw on this money…
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Need advice on pensions
I'll try to keep this short as have many questions.. Im 30 ish and have had 2 long term jobs for the Council and NHS but never took up a pension with them (they asked but for some reason I said no). I have 2 children so there were a few years not working inbetween. I now live with my partner and do not work. I was allowed…
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SIPP without advice - is it really possible?
Hi, My husband and I want to transfer a couple of non Final Salary pension plans each (four in total) into a SIPP. We want a Group/Family SIPP to invest jointly in hotel room property and another overseas asset class investment. The SIPP also needs to be a split SIPP, where the SIPP can fund the deposit element of the…
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Qrops
Can anyone recommend a reliable advisor to help me with qrops. I qualfy under the non resident rules of HMRC and intend retiring to Spain. Thanks !
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NIC rebates?
I read this article today in the Telegraph and believe I have overpaid NIC for about 6 years in order to qualify for a state pension. My question is: am I entitled to a rebate? Is there such a rebate process in place? Wednesday 7 September 2011 "Employees in their fifties and sixties are wasting £11 billion a year paying…
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final salary pension and IFA problem
Help desperately needed. Wife and I are 40 with 2 young kids. My wife started a council job 11 months ago and has joined the final salary scheme. She has a couple of weeks left to decide whether or not to chuck all her previous pensions into her new final salary scheme or not. Value of old pensions is about 80K. She went…
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£3000 to invest for my 18 year old...
Hi all...newbie here. My daughter has recently been given £3000 and we want to invest it for maximum interest...happy to tie it up for a few years. Any advice on the best place to put it??? Thanks!:)
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Paying IFA to recommend funds inside a DC scheme?
Hi all, Hoping for some help. :beer: I have a DC pension through work (Aegon), to which my employer will match my contributions up to 10% so, having been a long time lurker on here, I know to take up the full offer of "free money" and 20% of my basic salary goes into my company scheme. This equates to ~£8k a year,.…
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State Pension - differing opinions
I've seen many posts saying not to rely on your sp as your sole source of income when you retire - bumt on the other hand you get all these women banging on how many thousands of pounds they'regoing to lose because they need to work one more year (I will ignore the move to 65 for women - thats been on the books to happen…
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Pearl section 32 policy quote - how do I check it?
My husband died in October 2009 (aged 53) as a result of a RTA. I have been attempting to sort out my late husband's pension arrangements since that date. There are a number of issues, but I will post them separately to avoid confusion. My husband was employed by Group 4 Total Security Ltd from Feb 1978 until Dec 1987. He…
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Pension Loans
Ok, serious question on this kind of service I know the term in not accurate Please no advice on actual pensions, save for retirement, bad ida, leave it where it is etc etc I would like some honest information from anyone who has entered into one of these kind of schemes. How did you find it, did it work, any problems with…
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Widows Army Pension
I receive a widows Army pension and this is being tax at more than 50%, is this correct,I do not work
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Views on Massow's offer to reclaim trail commission?
What do you think about Massow's http://www.paymemy.com/mission/ offer to return 80% unearned trail commission? Looks good to me if you are not offered on-going advice. Good until FSA changes laws from 01-01-13. Might get some dosh back in time for xmas:j
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Protected rights in a SIPP - commercial property?
I have a SIPP where most of the fund (80% or so) is protected rights. I need to buy a small commercial property (office) for my small business and wondered whether I could use the SIPP to buy it. I've done loads of reading on the internet and can't find a definitive answer to whether I can use the protected rights funds to…
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Pensions for my kids
My Mum has, very generously, given me £10K as savings for my kids: £5K each. The idea is that I should keep it in a savings pot (and add to it myself!) for when they're young adults. (They're 10 and 11 now). However, I'm thinking that it might be better use of the money if I put it in a pension fund for them. (They both…
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company wind up plan
hello 4 year to retire company are to wind up the plan. option to leave funds with the pru or take lump sum with a pension annuity which i will pay tax on. if i take now over the next 4 year after tax i will accrue 17500 if i take at retirement it should be after 4 year a value of 22000 would it be wise to take and invest…
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Where on earth do we start?
Hubby and I have just realised,rather late,that we have literally made no provisions for our retirement :o I'm 35 and hubby is 31,we have 3 kids and another on the way and have absolutely no idea where to start!How do you decide between the plans out there?I'm sorry to sound so naive and uninformed but this really is a…
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‘Wait till you are 35 to save’
I just came across this article on FT.com Source Rational investors should not start saving into a defined contribution pension scheme before the age of 35, but should set aside a third of their salary from the age of 55, according to academics at London’s Cass Business School. The findings run counter to conventional…
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L&G Pension Review
I am in a compay pension scheme with L&G (60:40) Index Lifestyle Strategy. My contribution is 5% matched by my company. I am also adding 4% via AVCs. The total contributions to date are £11,273 and the fund value is £13,765. Is this a good return, i've been in the scheme since Dec 2006. I am 27 and earning £26k pa, is this…
