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Ill Health pension refusal
hello, i need some advice, i work for the civil service and was transferred to the Alpha pension scheme in April last year. I have been suffering form unexplained blackouts for about eight years which have progressed for just when standing with a short warning to when sitting/standing with no warning. This culminated in a…
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State Pension - widows benefit
I a a uk citizen entitled in a few years time, about to marry a French lady. We will in France and will continue to do so. I I die first will there be a widows pension (or any other benefits) payable to her?
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NI after 35 years
I have 35 (soon to be 36 good years) of NI contributions and my state pension forecast is a healthy £173 (including a few years of additional state pension when I presumably was not contracted out). I intend to stop working next year (at age 53 1/2) and live off of a mixture of savings and SIPP until a defined benefit…
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State Pension calculation - Is this correct?
As I am aware that there is a fair bit of expertise on here, I would like to check that I have researched this correctly.* Currently living on DB pension in payment along with investments. * 7 years to go to state pension age. * 38 years full NI contributions. * Maximum achievable state pension £151.27 pw. * Estimate based…
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Pension
hi all my dad died 2013,he was 79, recently I received a letter about a pension he had, he must have forgotten about it, anyway they say we have to have the payments yearly, as government rule states this, is this right, can we not ask for a lump sum, it is only a small amount about £300 a year. thanks in advance
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Ill Health pension refusal
hello, i need some advice, i work for the civil service and was transferred to the Alpha pension scheme in April last year. I have been suffering form unexplained blackouts for about eight years which have progressed for just when standing with a short warning to when sitting/standing with no warning. This culminated in a…
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Pension Credit & Savings
My partner is waiting to have both of his knees replaced and as his workplace were not able to offer him alternative work, he's had no choice but to inform the company he works for that he can no longer work and leaves tomorrow. He is self employed, but has only worked for the one employer for the last 15yrs or so. As he…
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Should I continue paying multiple AMCs?
Hi! I have an ex-workplace personal pension (which I'm no longer paying into) that I recently realised I am paying £50 annual management charge on - which I thought was a lot until I realised I am paying £150 AMC for my current workplace pension! Are there any options for transferring my ex-workplace pension out to…
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Legal & General defined benefit pension
Hi, Hopefully someone on here can help me out with a few queries that I have with my work place pension. I was in a Legal & General defined benefit pension scheme for 20 years with my old employers (I took redundancy from them in December). The scheme is underfunded, and my old employers have a plan to make up the 17%…
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MSE News: Pension tracing service to shed light on long-lost savings – check online i
Millions of people who’ve lost track of private pension savings can now be reunited with their hard-earned cash...Read the full story: 'Pension tracing service to shed light on long-lost savings – check online if you've mislaid £1,000s' Click reply below to discuss. If you haven’t already, join the forum to reply. If you…
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Redundancy cash - pension or debt repayment?
Hi, please could someone suggest our best option? My husband is 59 and has three old pensions with a total value of £100K, which we aren't adding to us as we are busy paying off our unsecured debt of £37K. The debt is on permanent low interest (around £95 monthly) and we are repaying it at over £1K monthly. Our plan was to…
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Seasonal work
Hi, can anyone help me please? I have just started a summer job, starting April and finishing September and I work three days a week. I shall earn at least £5000 (not including extra work) for this period. Am I entitled to be enrolled on a workplace pension? There are only a handful of staff where I work..
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Advice on Defined Benefits Plan closure
Hi everyone My husband is 59 this year and has 14 years service, he has been advised by his employer that they are closing the Defined Benefits Pension Plan as of 1.1.17. They are currently consulting scheme members on the options going forward. Obviously his pension will be frozen, but he can join their Stakeholder…
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Cancelled My Work Pension
Hi all, I'm new to this forum so if this has already been posted and answered then I do apologise. Recently had debt issues etc and thought a good way to get out of that would be to cash in a work pension with over 5k in after nearly 4 years service. Now I know nothing about pensions and really wish I'd read up more before…
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When will my wife get her pension?
My wife has registered and claimed for her state pension having been born after 3rd April 1953 The pension site said she would hear from them but its been a few weeks, The payment date was rouhgly from memory 3rd July but we would like to know does she just get a weeks payment or a months payment? Confused
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Personal pensions for people who split their time between countries
I am a UK citizen, 25 years old, who currently lives in the US. I am researching personal pension options for myself but have come across a little trouble with regards to my residential status. I plan to move back to the UK early in 2017 and spend 3 years in the country. I then will move back to the US for a number of…
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NI Contribution record and state pension - advice appreciated.
Whilst I consider myself to be fairly financially savvy, the whole matter of NI contributions and state pension baffles me. So much so that I don't really know what questions to ask here. I will begin with some 'simple' ones and hopefully will begin to grasp how it all works. I am male and will be 65 this October (born…
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Questions to ask IFA following Sipp recommendation
Hi 'Her indoors' has had a pension report from an IFA concluding that she should move from a Standard Life Personal pension 1 which is invested in 9 funds (which same IFA company set up 13 years ago) to a SIPP. They have chosen Fidelity as the platform. I think this is the way to go because of flexibility, IHT…
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Contradictory State Pension Estimate?
I have just had a state pension forecast from the government Verify online system that seems to contradict a past paper forecast in two ways: 1. It says that I cannot improve my pension, although there is a year I could make a voluntary contribution for. 2. Despite having two extra qualifying years, the estimate is only…
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SIPP expectations
Is there any kind of calculators to understand how much would my pension pot be if I use SIPP to start my pension scheme? Say,I pay £300 per month ever year for 10 years into SIPP,on an average what would be a rough figure I can expect it hold by the end of 10 years?I just need a rough idea of the growth of my investment.
