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Pensions, annuities & retirement planning
Archives for June 2020
Discussion List
Nhs pension dates calculation. Help please
Hi I hope someone can help with my query. I'm in the NHS 95 special class pension. I have read the booklets and the website. I'm aware it's based on the last 3 years of your pay. My question is is the pay years calculated March to March tax years or from the date you wish to take the pension, for example September to…
State Pension and Child Allowance
My wife has received a letter with her calculated state pension amount for her impending “coming of age” on 6th July. There are a large number of assumptions called “what you’ve told us” and these are all correct except one. (The online invite and application asked nothing of this subject.) She received child…
Should I take my final salary pension early with or without a lump sum?
I recognise first of all that I am in a very fortunate position. I have a final salary pension from a large private sector organisation who employed me for 17 years until mid-2012. Since then I have had mainly contract work and most recently I was 2 months into a 9-month contract when I was furloughed - I don't expect to…
SIPP Provider who allows non-releivable contributions?
My sipp provider has stopped accepting non-relievable contributions (i.e. contributions beyond the 2880 that a non earner can contribute and receive tax relief that of course do not receive any releif). Are there any sensibly priced providers who do allow such contributions? Thanks
Scottish Friendly CL PRA Personal Retirement
Can any one help. Just got my annual statement which I have not paid into for a very long time and totally do not understand it. Details are: SFGBMgdPensAcc holding 2651.098 price 680.6 value 18043.38. What does this mean? Then switch out payer fund CLGBMgdPensAcc value -19244.32 price 725.9 quantity of units -2651.098…
Contributing to pension & ISA
Hi everyone - I have a question about contributing to a pension versus an ISA. I currently earn a salary of 80k, plus an annual bonus of around 13k, plus gross income from a BTL flat of around 21k. I am contributing 12% of my salary, plus all of my bonus via salary sacrifice into my pension. My employer also contributes 6%…
Advice on early planning for retirement
Having recently turned 30 I have decided to significantly increase my pension contributions and generally plan for retirement better by making the most of any available ISA and pension allowances. I currently have a personal SIPP open with Hargreaves Lansdown (HL) where I have amalgamated my previous pension pots. As a…
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