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SERPS IN OR OUT
JUST GOT A LETTER FROM STANDARD LIFE, AND A LOAD OF JUNK WITH IT , BUT STILL NO WISER SO WHATS BEST IN OR OUT. :-/
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What can I do with this?
I have two personal pension plans with Scottish Widows - one is for the Contracted out element. I took these policies out years ago when I was working. It took ages for Scottish Widows to actually collect any premiums and shortly after that I left work to have my son and have never been back! I have not contributed to the…
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Pension Carry Back
In the 03/04 tax year my husband left his job. He contributed to the occupational pension scheme but had been there less than a year so transferred a lump sum into a stakeholder. He then didn't work for a while and then was self-employed until the end of the tax year. Does anyone know if he can make further payments to the…
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state pension
I am a 58 year old housewife and have not been in paid employment since 1969. I have had four children between the years of 1970 and 1980 is there anything I con do in the next two years to improve my state pension?
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Ill Health Early Retirement
I have been unable to work for several years due to a long term illness. I am currently receiving monthly payments from my Employer under their Long Term Disability Scheme. These are just sufficient for me to cope financially. My concern is that as an alternative to me being a claimant under the Long Term Disability Scheme…
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General pensions advice for a no-hoper!
Hi, Newbie here, I'm afraid I'm really rubbish at the whole pensions thing as I still don't understand the difference between stakeholder and personal pensions, but basically I'm getting on a bit, my husband is in the forces so we move around alot ::) I have a couple of company pensions, but really need to sort something…
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stakeholder or money fountain
Hi, Newbie here! I am 53 And not much in savings. Until recently I was prepared to follow the money fountain route- Isa,s etc. That was until I was offered the job I am about to start. Here is the deal. Like other companies they are offering a stakeholder pension --but, apparently they match my contribution £ for£ Question…
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A few questions about stakeholder pensions..
Hi, I'm thinking of starting a stakeholder pension. I'm 22 yrs old and thought it would be a good idea to start whilst I'm young. I'd be looking to pay in at least £100 per month. There's a few things I'm not to sure about so would be grateful for any help. Firstly, as I understand it stakeholder pensions are supposed to…
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Scot Wid saying S2P/Serps lump sum announced
Received a publication from Scot Widows today saying that the Govt has announced plans to allow up to a quarter of protected rights funds as a tax free lump sum. It does say that the plans have not yet become law but this is the first time I have seen an insurer publish that it is likely to happen. AFAIA, the option was…
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2Nd Pension/Back up plan?
Hi, Looking for some advice on starting up some kind of investment to back up my company pension. I believe my company pension is fairly good - i pay 4.5%, comapny pays 9% and its a final salary scheme based on one 60th. However i dont believe it will provide for a "comfortable" retirement on its own and dont think there…
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Company Pension
Hi I have been paying into a pension for the last four years and will be hopefully moving jobs in the new year. Will that pension be transfered or do I only see a fraction of what I paid in given back to me? Thanks James
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new employer, new pension?
My previous employer was a member of the local government pension scheme. I paid into that for six years. I'm about to defer the benefit (freeze it) instead of transferring it into my new employers pension scheme because I don't like the sound of it. My new employer is a university who has closed their final salary pension…
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Stakeholder/Personal Pension 2005 update
Norwich Union, Standard Life, L&G and Clerical Medical have said they intend to launch new pension products next year which are not stakeholder compliant. Scottish Widows and AXA are waiting for clarification from the FSA before they announce anything. FP is planning a stakeholder relaunch after the 1.5% cap is introduced.…
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Selling a pension
I have a pension sharing order and am desperate to get at some if not all of the cash. I am 44 years of age. Is there any way of selling the pension or unlocking the cash
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Want to start a pension when i'm still young
I'm 16 and am thinking of saving up for a pension. If i give £20 a month until i'm 65 years old thats will be 59 years of saving. But which is the best pension for money? And which ones will do a minimum of £20? A few suggestion on what pensions would be nice.
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Advice would be great
I am a 27 year old married gal and still have not started a pension because I decided to save for a house and pay off my £4.5k loan/credit card debt first. I have now done this, I have my house (finally) and all I have on my card is £1,900 and it's 0% (Barclaycard - thanks for the tip) :) I do have some savings (ISA) but…
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GMP
Now heres a con. My Ex Service Pension for 20 years in HM Coastguard is index linked. This year from April I should have got 2.8% BUT As I retired after 1988 my increase notice says . "Your pension has a GMP element so you will receive only part of the full increase." . So I should have got a miserable Pension increase or…
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Stakeholder AND company pension?
Hi All, I have just started a new job and would welcome some advice. My situation: I left my old job with an existing pension, in which there is around £3,000 of accumulated funds. My new company will not let me join their scheme until I have been here for one year, at which point I can contribute 3% of my salary and they…
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To take pension at 60 or not that is the question?
I am female aged 59 - intend to work until 65 for sure. Have recently changed from council employee to NHS Trust employee been tupeed over - job remains the same. Therefore now have a dilemma. Do I 1. Transfer council pension into NHS Scheme I have to do this quickly before age 60 next March. 2. Freeze council pension -…
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NHS Pension and state pension
I am 37 (38 soon) and have paid into the NHS pension scheme since age 17, my question is am I also entitled to the normal state pension at retirement age as well as my NHS supperan or not? Thank you for such a great board ;D