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What is she entitled to?
I lost my job so had to take my pension. After paying off some debts I paid £40k off the mortgage with my lump sum and put new windows in the house. My wife then told me we were seperating! I am in work, albeit on a contract basis. What I need to know is am I entitled to get that £40k back as I see it as part of my pension…
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Company charging me for opting out of auto enrolement pension
Hi, I have opted out of the auto-enrolement pension at work, but they are charging me 2% of my salary each month for admin costs!!! No money is being paid into the pension by me or the company so can they do this? I had no idea when i opted out that this would be the case. If I opt in I have to pay a 4% contribution…
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How much pension will i receive
Hi All, This is my first post in the pensions section and the reason is total ignorance on my part. My question is how much will i receive from the goverment. My details are as follows .... Worked for 45 years paying my dues every week to the government. I opted out of serps about 5 years back for a few months then was…
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NHS pension
I receive a monthly NHS pension of £900.00. Can I sell this pension for a lump sum? I'm 52 years old and could do with cashing this in. Advice appreciated!
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LGSS pension and lump sum
Hi All I'm up for the compulsory payment of my pension from the Local Government Pension Scheme next year - I would prefer to delay it but that's supposedly not possible. It will pay a very small annual pension and a lump sum. I don't want either now but least of all a lump sum that, when invested, will earn a miserable…
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Deferred Pension
Hi All, I need advice about a deferred pension i have with the local authorities. I opted out of it in June 2002 with 8 yrs 200 days. I am now back with the same local authorities and they asked if i want to keep or cancel my deferred pension Can any one give me advice on this please. Thanks
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Graduated Pension & Lump Sum Payments
Hi, I'm hoping somebody can help. My Father in Law many years ago started paying into a graduated pension and was told at the time when he hit the pensionable age he would be able to collect these contributions in one lump sum. Now that time has come he has been told that this is no longer the case and he will simply be…
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Aberdeen buys SWIP
http://www.bbc.co.uk/news/business-24983186 Does this mean my SW pension mainly in SWIP funds will rocket?
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Pension contribution and Salary?
Hi. I'm hoping you can help me. I'm starting a new job soon and am trying to work out how much I can afford to put into a pension. Does paying into a pension affect how much tax, Ni or student loan I will be paying? I'm hoping to increase my percentage contribution slightly but unsure if it will impact my net pay pound for…
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Incapacity Benefit Contact Number
Incapacity Benefit Contacts Number, directing you to their main Customer Service Team within the Incapacity Benefit Allowance Department where they will assist with your enquiry.you can contact at this numer 0843 515 8339 and can get all information
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Pension credit and small Pension problem
Hi Advice needed, I have recently claimed Pension credit at the age of 63 because of Health problems. My claim was upheld and should start at the end of November. I was originally told i would get a income of about £147. I declared a small pension that my old company paid into with B&CE, I did not contribute to this…
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Retiring abroad & income tax on pension
I wonder if any one can help me. Intend to spend my retirement travelling around Europe. If I am out of the country for a whole tax year will I be able to claim back the income tax paid on my pension?
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From stakeholder to Vantage SIPP
I currently have a L&G UK Equity Index Fund stakeholder pension with a management charge of 1%. I've got 27 years until retirement and over £14K in my pension currently. I'm thinking of transfering this pension over to the HL Vantage SIPP.With the majority of my pension in a similar tracker like the BlackRock UK Equity…
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Many years ago...SERPS
A long time ago I opted out of SERPS foolishly and this fund is now in the private sector and moves funds every 2 years. This doesn't fill me with confidence and I would like to ask the following questions please? 1. Is it possible to move this fund back into the Gov second pension scheme? 2. Any ideas of how I can stop…
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Final Salary/Defined Contribution One Pot
Many years ago I started work for a company who had a final salary scheme. I joined and transferred in an amount from a private pension I had previously. After a couple of years we were taken oven and the Final Salary Scheme was closed and frozen. A new DC scheme was offered which I joined. Up until earlier this year I had…
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Pension plan performance
Morning all, thought I would pop this question out before I make my way out for my 7.16 T time for 4hrs of misery. I have a personal pension plan that will supplement my deferred final salary pension.I have about 6 year to go before I draw both. Between myself and my employer we have been contributing approx £750 / month…
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Had a pension for 4 years. Can I take the money out?
Hi there. I started a pension when I was 19. I'm paying £80 a month in and the government puts £20 in. I'm wanting to buy a house so will I be able to take the money out that I've put in? I'm thinking of stopping paying it until I get back on my feet after I've bought a house. I'm sure the financial adviser said they will…
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winding up a trust
Hope this is the best place to post this: 20 odd years ago my mum made a Settlement in trust form for her 2 grandchildren. I am one of 3 trustees. Over the years we have used income to pay for education/university etc. The kids are now in their 20s and employed. We (3 trustees and 2 beneficiaries) all agree the trust has…
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any body got any advice on using charles
any body got any advice on using charles derby as I have asked them to see if the charges are to high on my 2 small pensions I have have with friends life and aviva and they will show me if anywhere else can do any better and aviva have warned me against predators stalking my pension help much appreciated.
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Pension forecast
Hi all, I have a pension through work with Hargreaves Lansdown and is the Vantage SIPP. Just had a forecast through and am after a bit of quick advice if worth continuing. I contribute £80 and my employer about £90 a month so roughly £170 going in a month. (I can't afford to contribute anymore). Fund stands at £13k and if…
