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Pension or ISA
My wife and I have several Pensions, but nothing worth noting. We are looking at starting to get our finances in order. If we have £3,000 each to invest are we better putting it in a pension or a cash ISA?
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Home Responsibilities Protection
I worked 5 years (making full NI contributions) from leaving college till the birth of my first child. I have not returned to work since. My child benefit payments finished in 2002 but in 2003 I became ill and in 2004 started receiving Disability living allowance. I am now 52 and wondering what pension, if any, I may be…
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what are people's thoughts on Blair not
getting taxed on his pension payouts when he leaves office in addition to being able to earn £20 million in book deals? he leaves office with not only expenses paid for but payouts of £130k one hand, another of £60k something. I htink that everyone should get taxed the same way. any thoughts be interesting to read.
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FSAVC.....Transfer Value Ripoff !!!!
I set up a FSAVC with Allied Dunbar in 1990 ( I was 29 )....making 3 payments into the scheme in 1990,1991 and 1993 totalling about 39K. The initial retirement date set was 55. The fund is now valued at about 97K but the transfer value on it is only around 75K. :eek: I am only allowed a very limited choice of ex-Dunbar…
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Pension Refund/Cash in
Hi, I'm currently trying to find out how to cash in a pension from a scheme I was paying into a few years ago. I was working for Royal Mail, and paying into their pension scheme for almost 3 years. I have contacted RM about cashing in the scheme, as I now live abroad, and no longer pay into any pension scheme, let alone…
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Standard Life Bonds - Advive Please!
Hi. My father has just retired at 65 with around £80k savings and pension just about enough to live off. He has been advised by his friendly HSBC advisor to invest £70k in a Standard Life capital investment bond with 75% in a "distribution" fund and 25% in a "property" fund. Overall although I can see it is a relatively…
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Help please
many thanks for your help
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I'm a student - should I get a pension?
Hi everyone, A little bit of background first... I'm 21 (nearly 22), I'm a vet student currently in my 3rd year of a 6 year course. I don't work, don't pay tax and my 'income' includes my student loan, parental contribution as well as anything I may earn over the holidays. My question is: should I be thinking about getting…
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Trivial Pension
Hi when is a trivial not a travial i left the mines in 1991 after 25 years when thay closd and went fishing i was talked into moving my mine works pension to abbey life i was told i could had to it so in 1992 i put £1000 into it only to find out it was not added to my pension but put in a separate pension so i would not…
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Not worth transferring old pension?
I gather from reading these threads that it is generally unadvisable to transfer a final salary scheme to a stakeholder scheme? I'm 25 and worked for my old company for just over two years (final salary scheme). My deferred pension would therefore be £635. Transfer value they have given me is £2,648. I am now working for a…
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Private pension - opt out?
I know all the reasons I have for wanting to opt out of my personal pension (lump sum available, reduce monthly outgoings); what are the drawbacks please? I am a 45 self-employed person (sole trader) Savings = £60k Assets = £250k Income = £4000 pm Outgoings £2800 pm However, I have two growing businesses, and the most…
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Buying a flat for our son
If we were to buy a flat for our son in the future (in his name), would there be a) any tax liabilites and b) would it be safe if we were to go into care? I'm talking maybe 10 years time when we will be in our mid-60s.
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Reclaiming Pensions
Is anyone able to help? A few years ago I worked for my local police force as civilian support staff and as per the norm had a percentage of my wages paid monthly into a local government pension scheme. This lasted for about approximately two years until unfortunately I got the sack. Does anyone know if I am able to claim…
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State pension - how does working affect it
Hi i wonder if someone could help me with a straightforward question (i cant find a straightforward answer on the DWP website). My mother is 63 and recieves the basic state pension and pension credit. That is her only income. She would like to take on a little job - perhaps 3 mornings a week - just to keep her active and…
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SIPP and Protected Rights ...
Apologies if this has been answered elsewhere ... I finally got round to transferring the pension I had from my previous company into a SIPP with Hargreaves Lansdown - but have now received a letter from the pension administrators saying they can't do the transfer as the SIPP can't accept protected rights (the entire pot…
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scottish equitable Help!!
I'd like to say first that any advice giving will be of great help as i am finding myself going bonkers with all the jargon that is associated with pensions and im 28 so if you can imagine how my father feels which brings me to the point. my father has had a retirment cash account which consists of cash, mixed and high…
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I want to cash in my pension
I have a Scottish Widows stakeholder pension which I have not put money into for a few years. I have been told that I can not cash it in. only transfer it to another pension plan. I do not have another plan but this bit of money would come in really handy right now. Is there any way that I can transfer it to another scheme…
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Desperately Seeking Old Pension...
Hi Back in the 1970's, I had a pension scheme with the Pru - I know, a long time ago! My problem is, I have no paperwork that I can find, and know very few details of the scheme, other than paying into the scheme for a number of years (I think ten years). I have contacted the Pru, via email and they cannot find any…
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Help: What Can Do To Stop Gov Making Mother Sell House For Nursing Fee`s
Any ideas anyone??? My mother is 82 has a house owned without mortgage (small bungalow) about 100k in bank my father slaved all his life to provide for the futher (he was a grocer but died of heart trouble at 50). At the moment my mother looks after herself she doesnt like change, what can we do to protect her assets if…
Got questions about boosting your state pension by checking your record with the Future Pension Centre and making voluntary National Insurance contributions?
617 discussions
5.5K comments
Most recent: Guide discussion: Voluntary national insurance contributions by QrizB
1 April at 9:32PM
