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NI gap years 2025
I telephoned the DWP in March 2025 to register my interest in buying 5 full and 1 part years NI gaps after seeing Martin Lewis' programme. Despite a couple of telephone reminders when I was assured I would be contacted and subsequent letter dated 22/09/25 acknowledging that I had contacted DWP on 25 Mar 2025 I have not…
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how easy is it to open a SIPP and use carry forward allowance?
currently I’m putting around 40k a year into my workplace pension. previous years more like 35k. I have a 43k in a cash ISA that I don’t need for at least 3 years, and even then not all of it. that would be after our planned retirement date. so I’m considering whether to try and push it into a SIPP. 25% boost from HMRC,…
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Should I Delay Buying Gilt Ladder
I was intending to setup a 5 year index linked Gilt Ladder in the next couple of weeks with the first year maturing in 2035. The money is currently sitting in a Money market fund. With the strong possibility now of rising inflation and interest rates would there be any benefit in delaying the purchase? My feeling is for…
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Having trouble with nest, anyone else and any advice?
Condensed version. Always had credentials autosaved. About 6 months ago I tried to log in and had issues, the password reset system was then stuck in an error loop. Done all the basic trouble shooting, different devices, browsers, internet connections etc. I've called their customer service several times now and they just…
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SIPP &Carry forward, to add to DB pension
I have a defined benefit pension through my employer. I am still under Higher rate tax even before salary sacrifice (though getting close). I plan to retire (early to time it with older partner state pension age) in a bit over 5 years, drawing my private pension(s). I just unfortunately inherited some money (40k), plus…
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LGPS Options
Hi, I am taking Voluntary redundancy on 30th June from my local authority. When will the Pension section contact me or do I have to get in touch with them? Anyone know what sort of options they will offer me? I have an AVC as well. Thanks
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Missing Pension Transfer
Hi Everybody Just joined the forum to get some help with a pension issue. Back from 1987 to 1993 I worked for Natwest Bank. I vaguely remember being "contracted out " of SERPS and did some investigating and found that I had a pension fund with the Natwest Group Pension Scheme. After loads of hassle and heated discussions I…
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tax and multiple private pensions
a friend has 3 small private pensions and the state pension and she is currently paying tax on two of the private pensions, just checking if that is correct as I thought they aggregated the amount of tax due across the board and just took it off one pension.
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CSPS - Capita added Alpha ABS
My wife has now had a 2025 ABS appear on the portal. Catch is that it only includes her Alpha, which she didn't have for long. Her Classic is missing off the ABS and portal still. That one was much larger and previously had a reasonable pension and Lump Sum. I'm guessing Capita have not yet got to those.
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Pension Input Amount for CS Classic and Alpha
I’m trying to help my brother-in-law with some pension calculations as he has a lump sum that he’d like to add to a SIPP but needs to calculate approx PIA to work out how much he can contribute. Assuming Capita will never turn round a formal request even for 2024/2025 in time - how could we go about getting the approximate…
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Uncrystallised funds in my Drawdown SIPP. Why?
I have about 400000 in my drawdown SIPP with CMC Invest. They have just sent me an annual illustration which shows that I have funds of "Uncrystallised £700, Drawdown £400000". I don't understand where the uncrystallised amount has come from. I have never added new funds to this SIPP. I transferred the full drawdown pot…
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Civil Service Classic Pension - claiming late
Dear all - having read the Classic Scheme Guide I am unclear what happens if you first claim the Classic Pension at say aged 62 instead of 60. Some of the posts here suggest that the 2-yrs worth of pension that could've been claimed but wasn't is lost, but some say that those 2-yrs is paid as a single lump sum. Could…
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Really confused by SIPPs
Believe me I have tried researching this stuff but still don't know how to proceed. Currently 59 (soon to be 60) and retired, taking my Civil Service pension, no other income, never intend to work again. I have not used my Lump Sum at all, so currently have it in a stocks and shares ISA, doing pretty well too. I have…
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Musings by the FIRE-side
Hi all, I’ve been a long time follower of these forums, but for some
reason having been away for a few months, my account seems to have been lost,
so I’m starting from scratch with a new profile. I’ve got a big decision to make over the next couple of
months and, aside from finding that writing these things down always…
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Taking 25% tax free element and moving rest to another pension
I have a pension due out this year and I have another pension due out when I am 67. I would like to know if I can take the 25% tax free lump sum from the pension due out this year and transfer the rest into the other pension that is due out when I am 67. They are both small pensions.
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IHT Planning
Does anybody on here have any experience on Bluebond IHT planning, looks good but does it do what it says on the tin?
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Cheapest Sipp: build yourself a low cost DIY pension article
This discussion relates to the Cheapest Sipp: build yourself a low cost DIY pension Article To discuss click reply
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Post April 2027, can people over 65 still transfer from a shares isa to a cash isa?
AI suggest they can … Can anyone confirm if this is correct?
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Results of Government consultation re IHT on pension pots today
https://www.gov.uk/government/publications/reforming-inheritance-tax-unused-pension-funds-and-death-benefits/inheritance-tax-on-unused-pension-funds-and-death-benefits#general-description-of-the-measure Key point of departure from original announcement, the liabilty has shifted from the pension scheme administrators across…
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Teacher's Pensions Transitional Protection Payment
Hello, I was just wondering if there was anyone here who has retired from teaching and have received their transitional protection payment. I returned my form nearly 6 months ago and have contacted TP asking if they were still on track to make the payments within the 6 month window they had allowed themselves. I have sent…
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