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government pension
hi i need help and advice my husband has a government civil service pension scheme the government pay and he contributes to we are now heading for a divorce and he has told me he cannot cash it in is this true or just another way to get 1 over on me he has been in the scheme for 25 years have you any idea if it can be…
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Which SIPP provider?
I've been discussing pension drawdown and SIPPS in another thread and looking into which SIPP might best suit my needs. I have just looked closely at SIPPdeal and Alliance Trust Select (already ruled out HL). I found it very interesting that Sippdeal has lower charges (no annual fee, no transfer in fee, etc) but they don't…
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Tracing pensions abroad
Hi I worked in The Netherlands between 1999 and 2002 and paid into a pension fund. Does anyone know how to trace a pension abroad - is there a company who specialises in this? thanks
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LGPS Additional Years/Redundancy
I'm in the process of being made redundant form my job with the LA. Thankfully I'm 58 so will get immediate unreduced payment of my pension. I have been buying additional years and have a decision to make about whether to complete the purchase or not. The options are as follows: 1. Don't complete the purchase of extra…
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Diary of a pension change
Thought folk might have some interest in a proposed pension change I intend to play along with for a while. I will include as much detail as possible on this as it evolves, as most reports I've read about these things are second-hand and short on detail. Today I received a call from a person saying he was from Henderson…
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Back on track
Don't shoot me - just looking for any advice! After 4 years of turbulent times I've got life pretty much back on track. I suspended my pension during that period. I'll be closing my business at the end of this year as I've weathered the storm so far but am not prepared to get into debt. Hopefully I'll come out with some…
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Uniq A scheme cash benefit pension
If anybody has any info on what is happening with Uniq pensions I would be very grateful if they can update me. Just spent two hours searching the internet and have come up with nothing. My husband is waiting for a payout of his cash benefit from Uniq but has been told that they are still working out what calculation they…
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personal pension and living in France
I have a personal pension worth £12000 with lg in the uk. I live in France and am aged 54. What options are available to me when I am 55 regarding transfer, cashing in, qrops etc. Any help/advice greatly appreciated. dc
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Inadequate redress from pension misselling
I am new to the forum and so apologies if this has been covered before. When I left my employer in 1986 the company put me on to Sedgwicks, (now Mercer) who advised me to transfer out of the company final salary scheme and into a section 32 buyout. My final salary pension was planned to provide a pension of £14000 and I…
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Pension review?
Hi I wondered if anyone has heard of Sun Money Ltd who offer to "review" your pensions at no cost to you! Is it genuine? Any thoughts please.
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should i transfer or take my pension early
Hi i'm not sure what to do. I have two pensions one private and one ex company (+contracted out pension). the total fund is about £90000 I now work for the NHS and i have the choice of transferring the pensions to the NHS scheme. I'm 57 years old my wife seems to think that I should take my pensions now and maybe reinvest…
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Equity Release
My wife and I are 56 with no dependants and fortunately own our house outright (£400k).We do not have close family, apart from 2ageing parents, and now want to enjoy early retirement after 35 years of working with some extra cash via Equity release. Have read the extensive posts on Equity release and realise that you…
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Use Pension Funds to Secure a Loan?
Is it legal to use pension funds to secure a loan? I'm receiving conflicting information - Pension Options UK say yes it is possible to secure a loan using the pension pot as a security, and after 10 years the pension pot would be signed back to me. However an IFA told me they hadn't heard of this. Does anyone know? Thanks
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Pension Transfer
Hi, My wife is employed with NHS. She left it too late to take up the option to transfer in her pensions from her previous employers. Her previous employer pension provider have written to advise that their group money purchase pension scheme with Clerical Medical is being wound up and have asked her to agree transfer her…
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Cash release from my pension
Hi, I have a pension fund of £6500 and I need to raise some cash, does anyone know if i can get a loan against it or sell it please
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Two pensions with same company
I worked for BT, I started when it was the Post Office, left to have children then went back when it had left the Civil Service. I started a new pension plan, on my return, so now I have two with them. I am now 57, and am wondering if I could just take one of them now, (the smaller of the two) as I am really interested in…
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Pretty Clueless about pensions, need help.
I could do with some assistance, I recently joined a company who do not have a pension scheme and so have contact my previous pension provider (group scheme provided by previous employer) and will continue to make contributions into that. I have a question and admit i am pretty clueless about how it all works, but I am a…
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Setting up a private pension
Hi All, Im looking for some advice as I am now lucky enough to reach the higher tax bracket (40%):( and I am now looking at setting up a pension. I have already got a Military pension that I am receiving:D. My totol salary plus pension is approx £43,000 and I may do some addition part time work that may bring in Approx…
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Financial advisor vs own comparisons? Company vs private?
Hi, my husband and I are completely lost when it comes to our pensions.... looking for some advice if possible! We are both in our early 30s so way off retirement! But trying to plan ahead. I have paid into a Local Authority company pension for 10 years and have an ISA so I'm quite happy with mine but we're stumped with my…
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NI contributions?
I have over 30 years NI contributions. My 12 months CB ESA will end of August, they accept that I am unlikely to return to work and will not be entitled to IR ESA. I will receive my state pension in March 2015 when I reach 62yrs 5 months. I am female. My question is, will continuing to pay NI contributions make any…
