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Countrywide Assured MF
I offered to help a friend by looking at his old pension account (he has not contributed for some years) to see if it was 'OK' - specifically not charging too much etc. It turns out he has about £60K in Countrywide Assured 'Managed Fund'. This seems to be a 60-80% equity/fixed international fund, but with only about 9% USA…
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Independent Financial Advisor charges
I have an independent financial advisor who used to advise on pensions, life insurance etc. at a previous workplace from about ten years ago. For the last few years I have been working as a contractor and at the end of last year he arranged an income protection policy to cover me in the event of long term sickness. Six…
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Section 32 Pension & GMP
Hi I have a pension that matures next June on my 65th birthday. It's a Section 32 policy with a guaranteed minimum pension. What does this mean? :)
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Small LGPS fund
I'd be very grateful if anyone knows the rules about getting small pensions from the local government pension scheme. My partner has an old small pot with them worth about 27k and has just reached 60 . It's her only pension. The advisor says it has to be paid as a lump sum while she was expecting to take it as (tiny)…
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State pension for widow
Just trying to find out some info before ringing the DWP. My father in law, who was 81 died in the middle of June leaving my mother in law as a widow at the age of 75. Both were on state pension, father in law was receiving about £157 a week after working all his life and my mother in law was receiving £73 per week after…
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Military Pension AFPS 75 age over 26 rule amendment
I had 7yrs 7months of reckonable service (from age 18) and left the RAF July 1977. However because I was just 16 when I joined up I was just short of my 26th birthday when I left the RAF. According to the then rules I cannot claim a pension because I was not 26 (despite having the 7/7 years service). This requirement was…
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State pension forcast: what does ‘full contribution year’ mean?
Last week I went into the government website and got my state pension forecast. I scratched my head over it for a long time but I am hopefully on the way to understanding it. What had been confusing me was the expression ‘years of full contributions’ on the statement. I think I’ve worked out what this means but I would…
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Defined Benefit Statement
I have a Defined Benefit Pension scheme with an employer whom I left in the year 2000, after working for them for the best part of fifteen years. The pension is now managed by Aviva, but I have trouble getting a statement from them. I believe I can take this pension at 55 (which happens for me in November next year) but I…
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PensionBee
Anyone got a pension through pensionbee??They ask a bit about you and ask you to pick a Tracker, Match or Tailored plan. Your money will be managed and kept safe by the world's biggest money managers – BlackRock and State Street. They all link old pensions you may have... Any thoughts??
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Deferred company pension
One of the deferred company pensions I have, sent me a letter. It was with RTZ, and now seems to be run by Towers Watson. I worked for RTZ , I think from 1982-1990. It says, 'your deferred pension in the fund currently stands at £3447.52 a year. This includes an offset pension of £1409.47 a year which is payable on early…
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repaying winter fuel overpayment
Dear forum members, Please advise me on the following problem. On 22 of November 2017 my account with Halifax was credited with a Giro of £300 in a winter fuel payment. On the same date, my husband's account with Barclays was credited with another Giro £300. The current winter fuel benefit is £150 per person. Unlike my…
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Pension Enquiry
Hiya all, I have just used the pension tracing service from HMRC It has just come up for one of the pensions and it has come up that this is an archived scheme I was just wondering if someone could tell me what that meant?
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pension charges
can i complain about a pension with extremely high charges
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Pension advise for NHS worker, SIPP or ERRBO
Hi, I am an NHS dentist, moved from Sweden and started work in 2008, and started contributing to the NHS pension system in 2009 ( so am in the 2008 scheme). I will be 46 this year and hope to retire at 60. Wife works part time. Just a few concerns/ questions: 1. Is it worth contributing more through the ERRBO scheme? 2. Is…
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Pension conundrum
Hi all My dear mother is a 78 years young pensioner whose world has been turned upside down by the passing of her husband in February of this year. Dad, was in control of all financing so until he passed, my mum didn't have a clue as to what pension he was drawing, all we knew was that it wasn't enough for him to pay full…
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national insurance contribution query
Hi all, new member here so I apologise if this isn't in the correct section. Let me preface this by saying I know absolutely nothing about NI contributions, tax, etc. I just let my employer do what he has to do and don't worry myself about it. Anyway I am getting a very small tax rebate and signed up to request this…
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Pension pots
Hi I would like to ask some advice. We have a pension pot of £400,000 which we could have taken at Christmas when my husband was due to retire. He was asked to work a further 6 months and our IFA advised us to carry on paying into the pension whilst he continued to work. My husband is retiring now and the pension pot has…
