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Pensions, annuities & retirement planning
Archives for August 2015
Discussion List
Theoretical Questions about my Pension
Hello helpful people. I am nearly 50, and as my DH is approaching 60 my thoughts have turned to retirement. I’m lucky enough to have worked for Companies that have offered good pensions, but I’m not sure about my options. I have a meeting with a Financial Advisor in the next few months arranged by my employer, so I have…
simple LGPS advice Q. !
Hi folks, A straight-forward question about my local govt. pension membership... Since 1999, I have worked for 3 separate local authorities and paid into the LGPS , while at each job. I had a year to decide whether to transfer the pension from my last scheme to my current one, and the year is nearly up, and I need advice…
my neighbour needs help please...partner killed by drunk driver
Hi...as per title...in dec14 my neighbour was hit hhead on by a drunk driver. He is awaiting his case in crown court, but pending a judgement the coroner has only issued an interim death certificate. The prudential are not accepting this and wont pay out. What does it matter? The court case wont bring ken back - who i have…
New State Pension for opted out employees
Hi all - I've been looking for an on-line calculator that employees without "full" NI contributions can use, to calculate the "new" state pension but no luck. Is it becasue there are insufficient details yet, or because the calculations are too "hard"? (Surely not!) Anyone know of one? The kind of thing I'm looking for…
Friends Life - How do these charges compare?
I have a Friends Life DC personal pension (oringinaly Sun Life) which my employer used to pay into, but since May I have had to go into the the NEST scheme to continue to receive contributions from them. I therefore need to decide what to do with the old FL scheme. From what info I can find on TrustNet the fund I am in…
Serps at Aviva
Hi everyone I have Pre 95 Individual Personal Pension with Aviva made up entirely of payments whilst I was contracted out of Serps from September 1993 to October 2000.Total amount paid in over the years is £4589.73 and my Transfer Value today stands at £12,100.44 inc Final Bonus of £1,496.01. It is due to pay me at NRD £38…
Help with pensions
Hi Apolgies, useless with anything like this. My Husband paid into a private pension for about 12 years late 70s and 80s. He is 56 this year and working 5 nights as HGV driver. He is struggling with a couple of health issues and is hoping to reduce his nights to 3. The last 20 odd years he has paid into separate pension by…
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