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Latest employment workplace scheme
Seems latest employers workplace scheme work differentley from previous job, when I felt I had full control over Conts AVC's and Investment choices. Why would additional contributions from myself Not be an option by new pension providers. If you want to increase your payments, talk to your employer first to see if they can…
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NOW pension eye opener
Just recieved my pension statement from NOW . I was auto enrolled for 1 year in 2017 and was sold on the free money from employer tagline. My contributions were £77.69 which was matched by my employer so a total of £155.38. After investment increases and costs my pot stands at £90. Due to costs i estimate that in 5 years…
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Pension advice when not enrolled.
Hi, I've been in a job for small company, coming up well into the 4th month but with no sign of a pension being set up. Late 30's, work full time, salary 20k. I get the impression an accountant manages payroll. I have never knowingly opted out and I'm sure my contract doesn't mention a pension. Not confirmed in writing…
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Pension deducted but no records available
I have been working in a private practice for over two years. Now I find out that NHS don't have any records of my pension contributions. I don't know who to ask, manager's at work keep changing. Any help most appreciated. Thanks
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Pension tax relief boost for 1.2m low-paid workers
All savers should receive tax relief of 20% on pension contributions. But due to a quirk in the system many do not benefit from this top-up.
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Smart Pension - New charge for employers
As a sole trader who employs just one person, I took out a "Smart Pension" pension for my employee.I have just been told that Smart Pension will apply a £15 +vat charge each month starting in December that I have to pay as an employer. This forms a huge increase in the cost of providing this pension.I need to give a months…
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Civil service job vs private sector
Civil service job vs private sector job taking into account pensions
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AVC and standard employer contributions
Hello, I have a second job where I pay 80% of my income into a NOW Pension scheme as an AVC. I do this as I don't really need the income now and I want to reduce my tax/NI bill. I also didn't start saving into a pension until I hit 30 a few year's ago so I'm a few years behind :( My employer seems to be basing their…
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Salary Sacrifice for pension NI benefits
Dear MSE, I am 65 and had to retire early at 60 due to health issues. I had made a total of 39 year NI contributions so expected I would have a full state pension at 66. Not the case. I was in a corporate pension that opted out of SERPS - this helped my corporate pension funds BUT the DWP & HMRC stated this impacted my 39…
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I wasn't auto enrolled when I should have been...
Around 1.5-2 years ago I started earning enough in my job to be auto enrolled in the pension scheme. And never was, even though I did bring this up verbally at a staff meeting. I've been looking through payslips recently getting ready t buy my first home and realised I'm still not paying into it so I have questioned it and…
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Which?
I have been through health issues and haven’t checked my credit card statement bills in any great detail (they are online), for some time. My fault, l know. However, I noticed that Which? had been sending me a magazine even after cancelling my £1 trial period. Most went straight into the bin! Now l see they have been…
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Private Parking Solutions
WESTERN AVENUE JUSTPARK SITE people be careful those scammers I just went to deliver pizza and food as I work for local fast food shop as deliver driver, the man watches on CCTV comes quickly takes your pictures and runs away just for 3 minutes, but appealed it twice via blue template so they send me POPLA Code: I just…
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Stakeholder scheme fees
I have just joined an organisation, replacing someone as the only (currently) employee. There is an Aviva pension scheme in place. Upsides: a wide choice of funds and low cost to the employer (£32 per month). Downside: 0.6% charges on my pension plan. I moved my SIPP from HL to get away from 0.45% charges, so 0.6% sticks…
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Moved: Deed of assignment
This discussion has been moved.
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Moved: Benefits and Letting
This discussion has been moved.
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Moved: Replace rear wheel bearing
This discussion has been moved.
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Estimated take home pay - new job!
Hi all, After finishing my last job in Feb this year I was delighted to get another role in October this year following many months of financial worry. I started on 5th October and I realise that I will be paying less in income tax to start with as I have my tax free allowance of 1252L but I have no idea what my take home…
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Help!!
I signed up with a local fitness co. via Ashbourne membership management company, after 2 days the plan & content of tutorial videos weren't suitable. I paid an initial £6.99 then signed Direct debit to commence 26th Nov. I contacted both company & payment management to withdraw & advise them, however they've told me it's…
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Doing the right thing
I pay the min into my auto-enrollment at the moment. Employer the same. Looking to increase this 6-12 months for £500 pm going in. I also have a Lifetime ISA that I am not putting in as I am unsure what to do. Put the full £4k in getting the £1k from HMRC- no doubt this will be changed. OR just throw it allinto the…
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Two pension pots, needing advice whether good idea to combine
Hi there. I am really lacking in knowledge regards to my pension funds, which are desperately needing attention because as things stand my pension is I imagine nowhere near where it should be at this stage of my life (I'm 48) as i've lost about 10 years not paying anything to a fund. I have one pension with Old Mutual (has…
