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With Profits - thoughts ?
Sorry if i am duplicating myself as im also on a seperate thread. Im thinking of transfering a pension away from Standard Life but it has a 'with profits' element to it. Although not large - the bonus paid this year seemed ok and more than covered the AMC of the fund. Therefore is it worth sticking with the provider due to…
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Transferring a pension - help!
Can anyone offer any advice please? I'm in a company pension scheme and have realised that I've got an old pension from a previous employer with the same provider. I rang up to try to merge the two but they won't let me without using a financial provider. I've also got another pension (from another job!) with a different…
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Question on new pension rates in 2017
My husband is due to retire in May 2014, so of course would not qualify for the new pension rate that is due in 2017. If he elected to remain in work until May 2017 (another 3 years) would he be entitled to the full £144. He has worked consistently since leaving school at 15 with just 3 months of unemployment during that…
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Final salary scheme: what happens if company split itself up?
I once worked for the UK subsidary of a US company that is considering splitting itself into two companies. I have a final salary pension (<£30k) that I could take now or could leave "invested" for the next few years. If the company does split, what are it obligations particularly w.r.t. drawing the pension before normal…
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Pension Actuary
Anyone any info on pension actuary after being dismissed from job. Is there a calculator anywhere that I could do myself or is it too complicated.
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Allocation for a 30 year old
I'm changing my pension allocation at the moment and wanted to run it by you to see whether you thought there was anything wrong with my selections. My fund stands at about 1.6 times my salary as I'd pretty high contributions in my mid-twenties. I want to go pretty high risk given how long I've left to retirement and the…
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AVC's
I've just found out my employer has for almost two years been paying my AVC's into the wrong fund. They have admitted the error. I want my money back - is this possible? Thanks
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AVC - Salary Sacrifice?
Hi guys, quick question for those far more knowledgable then me: I currently pay into my company's pension scheme. The minimum amount is 4% from me (Taken as salary sacrifice) and then matched 4% by the company. I am also making additional contributions of 6% (To bring my total to 10%) however this 6% isnt being taken from…
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Pension at 40 ???
Hi I'm forty years old and have no pension in place. I'm about to inherit £20k and am wondering weather it is wise to put this into a pension. Don't know if anybody could give me a idea of what monthly return I would get when I retire if i just put the £20k into pension without adding to it at all. Also what would I need…
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New workplace pension scheme
Hi I work for a small company so it's going to be a while before I can join the workplace pension scheme. Is there a way of me joining it earlier on my own ? I'm forty years old and have no pension at all so feel I need to get the ball rolling. Cheers Paulie.
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Annuity purchase
If some while ago I posted a similar question then I apologise. I have a fair amount of savings and we also have a retirement income of around £22k a year. I am wondering how a sum of 90 thousand pounds, tax paid, may be treated as an annuity purchase. It is no more than a thought as I would want that amount to carry on…
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Sipp providers
I am looking to consolidate 5 pension funds into a sipp, total value around £260k currently. I will be looking to crystallise later this year or next (recently made redundant, age 57) or maybe slightly further down the line but not too far. Will take max TFC and look to draw down within personal tax allowance. Looking…
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Company Pensions and SIPPs
Hi all My company offers a company pension and will make a relatively modest contribution (something like 2 or 3%). Simple enough. However, I get the impression that the company's chosen pension scheme (via Scottish Widows) will not necessarily allow me access to many of the investment funds that I am able to access via my…
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Paying a lump sum into my SIPP
Hi all If I saved up a relatively large lump sum in an ISA (lets say 30K), and one day decided I would like to transfer that money into my SIPP or company pension scheme - would this transfer attract the same tax benefits as if I had paid that money in using salary sacrifice? I am trying to decide whether I should build up…
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Opting out
My sincere apologies as this has probably been asked before. As soon as my current job became stable (contract changed from fixed term to indefinite/permanent) I set up a stakeholder pension with Scottish Widows which I have paid into every month for the past 8 years. I had an appointment with an IFA about 18 months ago…
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NHS 95 Pension Scheme and retiring at 60 following 2015 changes.
Hi, I have a question regarding my NHS Pension and the ability to start claimining it at 60 following the new (proposed) changes coming into effect. I will give as much facts and hopefully be as clear as possible! I started in the NHS pension in 1990, aged 24 and a few months (now 47), with the hope of retiring at 60 with…
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Taking Pension Early
I am 55 and worked for a company from 1978 to 2007 before being outsourced. My pension from during that time is now available should I wish to take it. I am still working fulltime and will probably do so for another 3 or 4 years so the income from the pension is not required at this time. My question is would it be better…
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Pension
I am looking for a private pension. Where is best to go - I have googled but I thought someone might be able to help me.
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Help with Sipp commercial mortgage/domestic mortgage
Hello Glad to be back I havent been on here for ages, but now need some help peeps...I want someone /anyone who has knowledge of arranging a sipp with a commercial mortgage, and also a domestic mortgage too..buying a business with a house too. Many thanks in advance,
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pension
Hi I have a private pension ,that I want to opt out of . get a lump sum then get monthly payments . I was told that you can shop a round for the best deals .Can any one give a list of the best deals Then use some of it . Then invest the rest in bonds or Isa best deals Thanks
