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Redundancy & Pensions
Can anyone help me?????? I just need a bit of advice as I'm not very clued up on pensions. :eek: I was made redundant in April after 15 years, in that time I was in the company pension scheme where they paid approx 12% of my salary into the pension. I have the option of leaving it where it is until I retire but would it be…
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Annuities
What factors should i take into account when deciding when to take my annuity
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Lost pension?
I wonder if anyone you help please. My partner has made several attempts to find his 'lost' pension he paid into from 1976 to 1980. He worked for Standard Telephone & Cables, (at a satelite factory)which later became Nortel. They DO have his name but say without his 'works number' they are unable to find any trace of the…
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SIPPs - only if you have a pension of £ 100 K
SIPPs - A friend who works for friends provident mentions that from he understanding at work it is only worthwhile if you have a pension worth £ 100 K already. Is this true?
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Prudential Works Pension ?
Hi just wondered if anyone could help I have personal pension with Prudential which I paid into for just over a year & was wondering about cashing in ? Not sure if possible ? I have have a pension with NHS & Social Care. Appreciate any help Thx
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How to determine max AVC or reduce the mortage.
I'm aware that pension advice is restricted here - but I'm curious as to how I should go about the process of deciding which is best for me. I'm in a company pension scheme for the last 4 years. I'm 40 years old. I contribute 3% the company 7% For the last year I've been maxing my AVC;s. So the monthly outgoings are…
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Transfer to Stakeholder
I opted out many years ago and had a small personal pension running for about 5 years - change of jobs, circumstances left me freezing that pension, ive never looked at it since until today. My current company do not provide a pension any more (used to have a very good final salary pension but us new employees are no…
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Dodgy dealings with a pension?
A friend of mine has a slight problem. She has worked for a small printing firm for about 20 years. Her firm set up an occupational pension scheme in 1988 but did not allow her the opportunity to join until 1999. In February this year she became 60 years old. She has continued working for the company and is not likely to…
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Trivial Pension
My wife is 52 and has a section 32 buyout pension policy dating from 1987 when she last worked. This is her sole pension provision. The fund is worth about £10k. Under current rules, she could buy an annuity now (age >50). After A day I read that this age limit will rise to 55 and that total pension pots less than £15k can…
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which pension then, eh?
Hi all - this looks like a great place to get advice! If anyone could give me a little advice on pensions, on which I am pretty naive, I would be ENORMOUSLY grateful! A quick rundown: I am 28. I joined my new job in a Housing Association a few months back and I need to choose my pension. They have been taking my…
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Newbie to pensions
Hi guys this is a section on the forum i havent been into at all and i am looking into the future I am 22 yrs old and in the middle of becoming debt free which will b before xmas and also in the middle of changing careers and industry for the better and then i will be alot more happier. I am able to open my eyes and look…
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Protected Rights Annuity For Widow
Unfortunately my stepfather has just passed away and I am in the process of helping my mum sort out his estate. He had a Contracted Out Pension Scheme with B&CE (Building Industry Pension Sceme). The value of the pension fund is approx. £5200. My mum has received a letter stating she needs to obtain a "protected rights…
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Does the fund choice affect the demutualisation payout?
Hello again. To get the DM payment, you have to have a with-profits policy, but does it matter which funds the money is invested in? I currently have a mixture of the "Pension Managed One Fund" and the "Pension Millennium With Profits Fund". Does this imply the first is not with profits, or is it just not in the name? I'm…
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Pension Dilema
Ive had to come out of my final salary scheme in December and have just got my figure from the pension trustees. My dilema is, ive also got a stakeholder pension with the Pru, the Pru will accept my transfer value, but am unsure if this is the right thing to do. Id appreciate some advice if you can help.
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Pension form P161..where do I get this online?
if this is available online this woudl be best. it is the form to fill in for people who will collect their pension and be on low income. thanks
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Pension whilst in debt?
Hi Guys I work for RHM (Rank Hovis McDougall) and we have quite a good company pension scheme. Now my question is... should I wait till I've cleared my debts (overdraft and CC) before I start paying into this or is it a good idea to start paying in ASAP. PS - I'm 23 :T
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Annuities..again
Once one has bought annuities with a company, can they change to another company if they feel they are not getting a good deal? I hope this makes sense? Many Thanks Carmen x
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Freezing a pension
I've currently got a personal pension that I've been paying into for over twenty years; as well as payments I've made, it's also got money I was able to transfer from an old company scheme (which was generous - the company paid in more than I did). So, I don't have any frozen funds from other schemes - just this one…
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Sipps , A-day, residential property etc.
Hi all, My first post! With A-day looming, I have a few questions. 1) Where's the cheapest place to buy a Sipp, especially a property friendly one. 2) Also what are the likely transfer costs from a PP. 3) If I transfer an existing property into the SIPP, how will it work e.g. Property Value - 150K Pension Pot - 100K Does…
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Ericsson Pension
Hi, I was in the Ericsson Company pension scheme for 11 years until I left the company in 2000. They have recently sent out a letter stating that the Cash Equivalent Transfer Value will be reduced unless I transfer my pension out before September. If I do transfer it out then they will pay 110% of the CETV into another…