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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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Desparate need of company Pension advice
Hi all. I have practically zero knowledge when it comes to the vagaries of pensions. I have just started a new job and have automatically been entered into the company pension scheme - named "The Lifestyle Plan", in which 5% of my pay goes into the pension with the company paying 50% of my contributions. the details of…
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Should my Mum switch to Fixed Interest Deposit or Gilt-Edged Fund with 3 years to go?
My Mum is 57 and three years away from retirement at 60. Her pension provider has just written to her pointing out that she should consider switching all OR part of her fund into either a Fixed Interest Deposit AP Fund OR a Gilt-Edged AP Fund. My Mums pension value is currently approx £73000. I don’t have any knowledge of…
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IHT...again
I was discussing the subject of wills with my daughter today and she asked me something I could not answer. One of her friends has been given monies/investments by her father who is terminally ill. I told my daughter that these gifts would be taxable as her friend's Dad has made them quite recently. My daughter wanted to…
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last will and testement....
heard a rumour that you can get one from the post office for free i assume this is not true? where can i get the cheapest one from? also, if i die and havent got a will.. will my estate go to my parents, dur to me not being married?
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SIPP - big adviser pay days
Its seems many advisers are cashing in on this SIPP thing. It is possible to place in to the SIPP shares, which may be in the form of preference share in a company developing foreign property. I am not questionning whether the investment can make money or whether it is appropriate for a sipp holder. More importantly, I do…
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National insurance, do I have to pay it?
Hi can anyone advise me, I seem to have fortunately got myself into a funny position. I have a few ISA's which I got together over the years and I have been messing around with shares within the ISA's. I have messing about with shares for years and it is only recently I have managed to make enough to just about survive on.…
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Incapacity Benefits
When you are on long term IB & DLA , what happens when you reach pensionable age? and what if you have a shortfall in your Insurance contributions, and your forecast is a lot lower than your IB? Help needed
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Lifestyling - Norwich Union
Does anyone have any experience, advice, tips, etc. about the NU pension "Lifestyling" option where investments are moved to less risky funds - but with likely lower returns - as retirement age approaches? Is it a good bet - or not? Any and all comments will be appreciated.
Got questions about boosting your state pension by checking your record with the Future Pension Centre and making voluntary National Insurance contributions?
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Most recent: Missing the Callback from The Future Pension Centre regarding NI gaps? by 1957DfurdPensionist
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