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SIPP As a Life Insurance Alternative
I have a SIPP (as does my wife). We had endowments which included life insurance but these have just ended. As we have 3 children under 18 years old we are looking at taking out life insurance to provide for them until our estate is sorted out. As an option, rather than life insurance, would a SIPP fund pay out to the…
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pensions- which one to go for
I Have been trying to get my pension sorted for sometime I have been on the unbiased website to try and get someone to advise me, but all i got was a life insurance sales pitch. all I would like to know is which is a good pension scheme to pay into? Ok if you are still reading here is my situation. *Company director of a…
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Preserved Pension -Closed Final Salary
I have a preserved pension in a final salary scheme which closed 13 years ago. I was only in the scheme for just under two years but during that time I transferred in a sizeable sum from a personal pension I had been paying into for a number of years perviously. I never really understood how the transfer in was treated in…
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IFA in London
I need to consult an IFA in London and have never used the service of one before. How easy is it to find a good IFA? Is it all just trial and (expensive) error? Are they rated - is there a way to find out how well they perform? Is there a website that lists them? Saw many on search engine but not sure if they are all truly…
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Help regarding pension
Hello, I've had a pretty miserable and expensive start to the month which has left me in need of some funds. I started a pension with HSBC through work back in September last year. Although not ideal, I need to withdraw this money and transfer it to my current account which is Yorkshire Bank to get through this month and…
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33 years old and want to start pension ~ feel lost
I would like to start paying regularly into a pension but I feel completely lost as to which one to choose. Here are some details about me: * Age: 33 * Marriage Status: Single * Salary: £30k per year (employed, pre-tax) * Monthly Income: About £2k post-tax (from salary) * Monthly Outgoings: About £1,200 per month *…
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advice needed
My husband is due to retire in July 2014, he has been paying into a private pension with an insurance company, we are confused with his options on the best way to claim his pension, I know he cannot claim his whole pension pot which is £43,000 until 2015, my question is can he leave the pension where it is without paying…
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Group Personal Pension questions
Sorry if this isn't the clearest question, I'm trying to get a better understanding of how my company's group personal pension works. The scheme is with Standard Life and although they appear to do everything they can to make finding out the fee hard it seems that they have a 1% AMC. Most funds use that, but some external…
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pension
hello everyone hope you are ok,im on pension credit at this moment in time just that all i want to know , when i become a pension age how much will i receive. just need to know i have been ill from 1980 and was claiming income capacity ,then moved over to esa,now i am on pension credit just like to know how much will i get…
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Pension Advice - Tax Relief
Hi, I am 34 and am going to start throwing some money at a pension as I have finally got some spare cash available to do so and I now like the idea that you can get the cash again instead of buying an annuity. I am looking to do a salary sacrifice for my pension. I earn 46k and also get a 4k dividend each year. My main…
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MSE News: Do you have a lost pension? Get hunting - one MoneySaver found £39,000
A slice of up to £3 billion worth of 'lost' pensions could be yours – and most are easy to trace and reclaim Read the full story: Do you have a lost pension? Get hunting - one MoneySaver found £39,000 Click reply below to discuss. If you haven’t already, join the forum to reply. If you aren’t sure how it all works, read…
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Has anyone had any dealing with Wiseplan or Waverley Investments
I've been contacted by Wiseplan who have discussed Waverley Investments as a potential SIPP provider. Has anyone had any dealings with them?
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self employed pension
I've been self-employed for a year and have been dithering about whether to continue with the personal pension plan I had with my old employer or to hunt around for a 'better deal'? I haven't paid into a pension for just over a year and now just want to get regular payments set up or it won't happen. Should I talk to an…
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Old work pension should I transfer?
My wife has an old alliance and Leicester pension which has been frozen since she left that employment 10 years ago. She wants to start contributing to a pension again but her new workplace don't need to legally comply till 2016 and then she has been told she doesn't work enough hours for a workplace pension. She currently…
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Pensions and annuities
Not sure what to believe from pension companies! I wish to get some of my pension as I am now 55, want to take it now can't wait to next year, if I get 25% just now does the rest need to get put into an annuity or can I just leave it and get the remainder next year?? Really confused!!!
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Advice fees
Spoke to a Ida today ,like all seemed like a nice guy .told him that I wanted to set up a pension through my wife with the intention of drawdown due to me being 8 years older than wife. Only a few hundred per month for about 14 years ( hopefully). Fellow said he would do it for £800 , with no follow on etc . Does this…
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Which SIPP to buy Commercial Property?
If you wanted to buy Commercial Property via a SIP how would you go about choosing the right one? The following need to be considered: 1) Set up Charges 2) Other Charges (monthly etc) 3) Quickness in setting up SIPP. Money from existing pensions and cash will be entered into the SIPP Need advice how to look for the right…
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Little advice MUCH Apprecitated. :)
Hi, This is my very first post and I hope someone can help me to put my Dads mind at rest a little at least just for tonight. My Dad has found out today that he is going to be made redundant from his managers job( he has really been asked to leave and sign a contract watched by a solicitor because I think the company are…
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Realisation.
Why does everyone want their pension now! It was quite logically explained to me that it was not for now ,but for later. Fed up seeing posts ie; can I cash in now ( no ) you were told its a pension !
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Quick question re trivial commutation and ctc
My hubby had his trivial commutation of 17k paid into our bank account on on 22nd April. We were going to use most of it to get our mortgage down a bit, but as we take Child Tax Credit, (2 children, one disabled) are wondering if we have to declare this amount and if they will then reduce our ctc payments. If so, we will…