-
Husband 44 and has NO pension...help
My husband is self employed and does not have a pension. I have come across CIS paperwork including statements from some contracted out policy he took years ago. Should he keep this going or move it somewhere else. We are not sure where to begin to try and accumulate some kind of pension for him. I work in the NHS so have…
-
small pension pot
help i have pension pot 9500 less then two years old I have been told that I can have what I have paid into the pension which is around 5000 the other part is what the company paid to get that that part I must transfer all into a other pension scheme how can I find a company are get that information help thanks 49 wadders
-
pension
Hi I was in a works pension for 14 years, this pension has stopped in 2009.i am 39 years old now, im just wondering if I could cash out this pension now.or will I have to wait until im older.thanks.
-
Pension changes after 2015.
I took an annuity in 2006 so it is a reasonable amount and guaranteed until 2016. Will it be possible to withdraw the lump-sum after 2015 when the rules change? If I predecease my wife I would like her to have a reasonable amount to live on.
-
5 things to do financially before you die
Did anyone hear Martin on the 11 July on Jeremy Vine radio 2 show giving advice on the 5 things to do before you die. I only heard the one about setting up an enduring power of attorney and then was interrupted and did not hear the rest and I cannot find his advised list anywhere. And I am unable to listen to this show…
-
Help.. Cant seem to get advice about this..
Hi all.. Long story short.. I want to be able to use my pension (75k) to buy a commercial property.. I have done as much research as I can on the government websites but I think I have encountered a problem.. My pension is a Directors pension, and although I have contacted Aviva, they cannot confirm whether or not I can do…
-
Methodology to compare lump sum V bigger pension
I'm due to get an old frozen company pension in December. It turns out I have the choice of what I thought was the fixed sum pension or a lump sum + reduced pension. I will be paying basic rate tax on all of this pension and to try to compare the two options I've calculated the difference in pension received post tax for…
-
Pension Contributions (Past Years)
Hi General question. I am taking a couple of years of work to 'enjoy life'! I have been paying into a company pension scheme up until 2012 (when I left). Is it worth (and permissible) to pay additional monies into the pension scheme for past years to best gain tax relief during the years whenever I was contributing? I…
-
Early retirement at 47!
Just really curious about something. One of our neighbours moved in to a bungalow near us last year with her husband, and when my wife asked her what she did for a living, she said she took early retirement several years ago. But she is only 50! She said she worked for the local authority in the town she was in, from age…
-
Reinvesting an old Equitable Life AVC
I was wrongly advised to opt out of the NHS (Scotland) pension scheme and take out a private pension with the Prudential. After appealing to the Ombudsman, they agreed I had been wrongly advised and my NHS (Scotland) pension was fully reinstated. This left a surplus of approx. £3200 which was converted into AVCs with…
-
terminal illness and pensions
anyone know if and how i can claim back money paid into a private pension back in the 90's when at a former employer? technically 'terminal' with stage IV melanoma but still able to work normally at present thanks
-
pension contribution or over payment on mortgage
Hi Just need some advice, currently im paying into the standard pension 1% plus my employer match this. They are offering a deal where we can paying 8% and they top it up by another 6%. Not sure if we can get a lump sum at the end. My question is would it be better if i pay in to this which seems a lot around 120-135 per…
-
transferring in other pension to nhs 1995 scheme
I have five years to retire at 60 in the nhs scheme. I have a small protected boots pension and small private pension frozen. Is it worth looking at transferring their value into the NHS scheme to improve more benefits? Any one else benefited by doing this?
-
Afps 75/15
Xxxxxxxxxxxxxxxxxxxxxx
-
IFA - best approach ?
I have read on here that if you have a lot on money to invest you are better to agreed a fixed fee with a IFA - if not so much then a percentage fee. But what if I just want holistic advice on retirement planning towards the best approach on minimising tax - rather than specific advise on what to invest in. Is a IFA the…
-
State Pension Transfer Value Query
In the late 70's I spent two years teaching in state schools before moving on into industy. Later in early 2002 I briefly returned to teaching for one term. The 70's pension contributions were accrued during a time when 4 years accrual was needed to qualify for a pension. The one term was accrued in a period requiring two…
-
NHS Pension Scheme
Hi! I wonder whether anyone could help me out. I have recently been accepted for a job and wondering whether to join the NHS pension scheme. However, i am in abit of confusion as i am hoping to go to university soon. I am hoping to apply to uni next year, which will mean i might only be in the job for 1-2 years before…
-
Starting a Pension when not working questions
Hello.. Where do i start? I had a teaching job and a pension fund so thought this was all sorted but 5 years ago I became chronially disabled and unable to work, it is unclear if I will ever be able to work again, I hope so but have to plan incase i can't. I receive an ill health pension of £250 a month currently and this…
-
Guaranteed minimum pension questions
I am due a guaranteed minimum pension when i reach the age of 65 in Feb 2016. This arose from a period of 1981-1986 that i worked for Ferranti Electronics. The GMP however is immensely complicated and whilst i understand the basics i have a few questions that i am struggling to get answers to. Because Ferranti went into…
-
LGPS retirement help needed please!
Hi. I would welcome advice please as I am about to make a major retirement decision! I work in local government. I changed jobs in mid-autumn 2013. My pay for my pre-autumn job was significantly higher than in my current job. I now work for a different local government authority. The pension scheme for my new employer is…
