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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…
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Women Born After 1955 Work Until 65!!
I would like to make all my female money savers aware that if you were born after 1955 you now have to work until you are 65 before you can get your "state pension"...I know there will be many of you like myself who was not aware of this so I wish to bring this to your attention.....I think this is unfair to women who have…
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Mixed Portfolio Pension Plan
Last year I seeked Pension advice because I were unhappy with my pension plan's performance. I had an IFA review my pension plans (which were managed funds), and he explained that most managed funds contain 80% equities and that there are much better performing options available in the Pensions market place. The funds was…
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Civil Service Pension Dilemma
Hi everybody, this is my first post so I’m really hoping that someone can help me out. My husband has a new job in the civil service (he’s 24 and hasn’t a pension from previous employments), and so he has the choice between the Premium and Partnership pension schemes. We’ve read all the info on them both, but are a little…
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Private or state to pay residential/home care?
if you are on low income what does the government pay for people who need to go into care homes? if are over the low income threshold is it better to have paid for insurance for residential/home care? what are the options? Any thoughts?
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Transfer of Group PP - help
My partner wants to move her group personal pension plan (GPP) from her previous employer to Hargreaves Lansdown's (HL) SIPP. The administrator for the GPP is Allied Dunbar (now Zurich Life). Having sent off the forms and waited, we now have a letter from HL saying they are returning the application form because Allied…
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additional pension required
Hello Can anyone advise me, i currently pay into my work severn trent pension scheme which is a good one but would also like an additional pension to give me that little bit extra, i currently pay the full 6% i am allowed to pay in with my company but want to put a bit more away, but with who?? there are so many different…
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Need a pension
Hi, thanks to all who read this. First time for me?! My husband at the moment has no pension, he is 48 yrs old. He started of with a pension with British Rail, approx 7yrs, then had a personnal pension with the Prudential for ?12 yrs, then went to a works pension. This occupational pension stopped after 2years, as…
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pension transfer
Hello People, need help.. I have a personal pension and was wondering is it possible to transfer the funds to another savings scheme other than a pension scheme? Thanks..
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Transferring previous company pensions into existing one.
I cant see if this has been asked before so apologies if it has..... I have two frozen company pensions from previous jobs. As a general rule should you always transfer your frozen pensions to your existing company pension or leave them frozen until you retire? Thank you!!
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New job and new pension scheme
I have just changed jobs and my new employer has a pension scheme whereby because I'm over 39 I contribute 3% and they contribute 6% and when I retire I purchase an annuity. Can anyone tell me if this is a good option as I don't know anything about pensions.
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State pension - am missing a few years that was contracted out?
State pension - am missing a few years that was contracted out. the company i used to work for said that they were offerign some pension contribution. However on my forecast this is lower than my partner's even though my company was paying something through scottish widows at the time. It does mentino about it being…
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advice re company pension
a friend works in a company where they work weekend overtime. on the weekend the staff receive pay at time and a half and a premium. the staff were under the impression overtime was counted when determining their pension. my friend who is retiring soon thought their pension forecast was wrong because it did not include…
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358 discussions
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Most recent: If the Government raises the pension age, is it worth pay for NI missing years now? by eskbanker
14 September at 4:42PM