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Sipp and ex serps 25% and inc drawdown
In a couple of years i will be 50 and i intend to take 25% cash and use the inc drawdown 'opportunity' on my sipp...will this b possible on my exerps policy which contains a fair amount of protected rights? TIA for any help
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Annuity in advance or in arrears?
Hello, I have a question regarding annuity payments. Sadly my husband passed away recently and his annuities stopped with his death. Can anyone explain to me the difference between a pension company paying an annuity in advance or in arrears? What turned out to be the final annuity payment was deposited in our bank on the…
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AVCs with Equitable Life - to move or not?
In a nutshell, what is the outlook for "with-profits" investments with Equitable Life? Key facts of my situation are as follows. Some years ago, while working as a civil servant, I opted to make AVC contributions under the schemes offered within the Civil Service pensions scheme. The providers approved at the time were…
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Transfering an old pension
Hi, I have just started a stakeholder pension. I previously held an occupational pension with my old employer but have not paid into this now for well over a year. I am wondering if I should transfer this into my current stakeholder or leave it where it is for now. Can anyone advised me of the pros and cons of doing this?…
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Should I take this pension At 60
I am not working now and I will be 60 in a few weeks , just been offered to take small pension now, its only £1,010.00pa. should I take this now or wait till I am 65, any advice please.
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Pension help and advice needed
My girlfriend was working for a firm and paying her pension. Company went into receivership and she was informed she ad lost her pension and redundancy monies. They said they had lost pension becouse the government would pay statortorie redundancy, but then 3 weeks after the receivership notifacation she got a letter…
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Another contracting in/ out S2P question
I read most of the stickie at the top but I didn't find my answer (though it might be there). Say you built up a small amount of additional pension. Then you join a personal pension and are contracted out of S2P. You get your "protected rights" accumulated in there a few years. So far so good. What happens if you contract…
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is it worh it
is it worh paying into to the friends provident company pension fund. the main funds seem to be run by BGI and dont seem to be doing very well . the company contribution is 11% and mine has to be 8.5% . tanks for any help
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Should I make pension contribution in next 3 weeks
I was in a good company pension and also paid extra contributions, for a long time, but left over 3 years ago and have made no contributions towards a pension since then. I feel I should do something (in this tax year?) as I would be only be paying £78 for every £100 put in with the govt paying the rest. It seems a no…
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Stakeholder Pension 'V' ISA- Please advise!
Any advice greatly appreciated! I'm 27 years old and have been paying into a Scottish Widows Stakeholder Pension for 2 and a half years. I would like to know if I'd be better off paying into an ISA. Here are some details. I pay £1800 per year at present. I'm a basic rate taxpayer. I'm self-employed I pay a 0.8% management…
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Pensions advise
Although I have been at the same company for 40 years, due to change of ownership I have 2 deferred final salary schemes. My age is 55 and I could currently claim the 2 pensions and receive £34k lump sum and £5.2k / year pension. I am still in full time employment and dont expect to retire until 65 if my circumstances…
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Pension Charges - will stakeholder be cheaper?
I have pension pot worth around £17K with Natwest Life and I invest around £75 per month. I have just phoned Natwest and the say I am charged around £3 per month, but apparently there is no annual management charge. (so around 4% of the amount invested per month). I am thinking about moving the pot of money to Standard…
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Lump sum rules
Lump sum rules............I have already taken a lump sum from my company pension, can i take another lump sum from my personal pension? If so is it subject to a reduction because i took a lump sum from the other pension? cheers
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annuity advice
I have set hargreaves and lansdown off trying to find me the best annuity to buy with my personnel pension, not sure if i should also get another company to do the same in parallel, say the annuity bureua, or just leave it with H & L.
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Parents have asked for some help so where better than to start here
Hi all, My parents are looking at their current situation and what will be inheritence etc. My dad is 69 and mother is 63 next month. Both are retired ... well apart from my dad who helps me with my business. I buy him the odd pie when we go out, so its labour for little reward ;) They own a house worth £180. My dad also…
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SIPP, Hybrid SIPP, Personal or Stakeholder Pension?
No longer wish to disclose personal information.
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AVC or stakeholder?
My wife, who is in a superannuation scheme,was wondering whether to renew her AVC contributions she took out with the Pru or take out a stakeholder pension or , opt for another share ISA instead. Like so many she lost total confidence in pensions because of poor annual returns so stopped paying into her scheme but wonders…
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Totally confused - Pension advice please!
Hi, I consider myself fairly clued up with financial matters, but am totally confused when it comes to pensions! Can anyone help?:confused: My husband (37 years old) changed jobs last year, due to redundancy, and the new company does not have a company pension scheme. He previously paid into a group personal pension…
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Property pension fund
Hi does any one know of a sipp or stakeholder where i can invest 100% in commercial property. I want to do this before the end of this tax year. So far found most companies will only allow a small percentage or that i must consult with an IFA first. Many thanks
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No savings at all!
Can anyone help. I earn between £7,000 (after deductions) and £12,000 a year. (usually the lower sum) Last year I had to pay £3,000 in tax plus more for advance installments. I am now 56 years old. I have no savings of my own at all. I live alone in a house which costs me about £1,000 a year in utilities. It is a good…
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