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Pension Investment - Help please!!
Can anyone help me please. Just starting a new job and I have a choice of contribution investments. I am a low/medium risk taker, so any help would be really appreciated.... Russell Investment Group:- Global Equity Global Equity (lifestyle Option) UK Equity Sterling Bond Sterling Corporate Bond Cash Morley Property:-…
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April 5th 1960
That date was 1 week before I appeared on this mortal coil - so I understand my retirement options have changed. So I'm now 47 and run my own business. When I was 25 I started a personal pension with legal and general which now has something like £250k value, and I'm still paying in £115 per month. By the time I retire my…
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State Pension to bank- weekly?
At present OH and I get our State Reirement Pension paid to our banks monthly in arrears. I belive we can now get it paid to the banks weekly in advance. If true, how do we go about getting the change made, please? is there a dorm we can pick up or download perhaps? Apologies if this had been asked before.
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Father in Law told he has lost his guaranteed annuity payment
Scottish Widows was selected 30 years ago as a pension fund provider. Over that period of time a fund has accrued for retirement however my father in law has been told that his pension will reduce from £13,939pa to £8,646pa as he did not inform them by his official retirement date of the 1st December 2006 what form of…
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New Job..Is the pension they're offering worth it?
They're offering me a Index-linked final salary pension which I must contribute 6% of my salary to Having heard all the scare stories recently about missing pension funds and the fact that I have so long to go before I'm of an age when I can claim it.... I just wondered what your personal opinions were on it? Should I go…
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Advice needed on Local Government Pension v Stakeholder
Hi All, About 4 years ago my father took out a stakeholder pension as he had already had his fingers already badly burnt in a private company pension when all the funds disappeared when the company went bust. However, my father works for local government. Should he have chosen this pension scheme rather than the…
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Pension - Taxable Income Rules ??
Could somebody answer a very basic question for me please - Do taxable capital gains qualify as taxable income in terms of the annual contribution limit for pension contributions ? As an example :- A higher rate tax payer with a salary of £40k with a capital gain recieved in the year of £50k. Is the upper pension…
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Add to Pension or buy to let?
I am a 45 year old with two personal pensions but like most people I need to raise my contributions, question is is this the best way forward or is buy to let a better option? I live in east anglia.
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Stake holder pension enquiry
I am 58.5 male who took voluntary severance in Dec 06. I started self-employment in Jan 07. Pensions Pension 1 Reduced fixed salary pension of £500 monthly approx after tax Pension 2 Royal Sun Alliance (Phoenix) – FVAC – Oct 2006 value £31574.51. Retirement benefit quotation Oct 2006 £29762.75 Investments (joint) Mini…
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I have £600 in FS AVC'S with ex-employer, Help Please?
I have £600 in FS AVC'S with ex-employer. These are with Standard Life. I left the company 7 years ago. I also have a final salary scheme (20 years worth) with this employer. I am now 50 years old. I also have a Final Salary scheme with my current employer as well as a small amount of IVC'S. These are in the company…
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opt in or out please help
i am 44 yrs old and have been making pension contribution payments for 20yrs but have recently frozen all payments due to their under prerforming, should i still be opted out of serps or not? please help!
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Confused Please HELP.....
have just found that i have 2 pensions, 1 is growing due to a company takeover and the other is just sitting there and got left behind!!!! I've called both of them and i have been told that i can not touch or move them until i'm 55 (thats in 30 years!!!) Is this true and is there anywhy in which i can cash them in early??…
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A few pension questions
I have just received my annual Personal Pension statement for Scottish Equitable. It gives the current value of my PP and also the transfer value which is slightly less. No where does it say that the AMC has been deducted, should this be clear or is it calculated within the value of each fund and not visible? A further…
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Should I transfer my pensions to New Zealand?
I am 30 years old and have been living in the UK for 5 years. I'm moving back to New Zealand this year (leaving in July). I have two UK pensions - one occupational one from a job that I left a year ago and a stakeholder pension which I am still paying into. I have been struggling to get any advice about this. No one wants…
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Must I use an IFA?
The IFA who set up my pension fund has sold his business and his database of clients to someone I do not know from Adam and with whom I have had no contact. I object to being sold in this way, I have no confidence in the financial services industry anyway and wish to deal directly with the pension company but they have…
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Pension rules
My wife, who works for a big bank is considering retiring at the age of 50 which is in 3+ plus years in Jan 2011. She will have completed 30 years with the company in June 2010. We have been told that because of new government rules she may not be able to take her pension until the age of 55. Can anyone throw light on…
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what else can i do to get more pension?
i am mid fifties and would like to look at retiring from my present job at 60. by then i will have paid into local government pension for approx 18 years. our pensions are in state of flux at the moment but i reckon i should have small pension about £3,800 per year from that plus a small lump sum i have applied for state…
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Transferring pension
Hi, My fiancee has just been made redundant, but has luckily got a new job to go to. Unfortunately her new employer says that they do not currently have a company pension scheme (they're quite new). She needs to work out what to do with her pension fund that she has with her current employer. AS she has only been…
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The NPSS in danger of becoming 'stillborn'?
The report says that the NAPF thinks the government are in danger of doing a 'Peter O'Hanrahahanrahan' by including employers already offering contributions in the scope of the NPSS (aka 'personal accounts') and should only apply PAs to firms that have never contributed anything. It strikes me as an entirely sensible…
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Lgps
Hi Does any body know if the LGPS is a good pension scheme. The University I work at are offering it, you pay 6% of your salary and they contribute 11.6%. Thanks.
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