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How much to keep back and invest?
How much to keep back and invest? 5 year cash ladder should be plenty and invest the rest.
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Remedy and partial retirement nhs calculators disparity
I used both calculators with a retirement age of '61'. I've worked part time with varying hours over the years and now have accurate dates, which were inputted into both calculators. I guess the remedy calculator is estimating a pension if I retire fully (?) But the partial retirement estimates my pension to be around 6k…
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Gold stocks interesting obs
Interestingly, I had a very small pension, just under £2000 within. I was only with the company for one year. I ignored it, didn't think anything of it. I logged in six months later and it had doubled to £4100. Looked closer, it had large amount of gold mining stocks which went up. It went back down to around £3500. Now…
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Am I an employee for pension purposes
I have my own ltd company of which I am the only director. I have been making sipp contributions from my company to my pension for a few years but last year I stopped taking a wage, so can I still take employer pension contributions?
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Investment planning
I have posted this to the 'Savings and investments' board.
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Urgent Advice needed - private pension 25/26 deadline
I paid into my husband's pension to keep him under £100K, unfortunately he has been paid earlier than expected in April so it's now taken him over £100K. If I make an additional payment into his pension today, will it still count for 25/26? When I paid into his pension last month they said payments had to be received by…
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Aviva My Future Focus Lifestage Pension?
I'm looking at my wife's employers Aviva pension statement, and wondering if we need to take any action? She is age 53 (has a previous BT pension for 20+ years) and commenced the Aviva pension when she started working for her employer in 2022. However, she was made redundant in December 2025 and is hoping to return to…
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UFPLS P60 Sanity Check
Hi all, About to take my first UFPLS payment at the start of the new tax year next week from my as yet untouched SIPP. If I wanted to take a total of £30k out of my pot via UFPLS in the year spread over several payments, what will go down on my P60 towards my gross income? Will it be the £30k or will it be the £30k minus…
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Pension 25%
I have reached the age of 55 and found myself out of work as i could not work in my last job for much longer. I currently have around a large sum in my pension which i can now draw.I was looking at taking the 25% tax free and leaving the remaining 75% invested iF in the future i wanted to take further amounts of the 75%,…
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PCSPS members annual increase letter question
Ever since I retired eight years ago I’ve received (in early March) a letter from civil service pensions informing me of the details and amount after tax of the new pension payment for the forthcoming tax year in April. For some reason, this year I have received no letter or information!! Have any other PCSPS members…
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Pension drawdown taxed at source - how long does HMRC take to refund overpaid tax? (self employed)
I'm 58, self-employed (sole trader) and as I'm winding down to retirement my earnings will be very low this tax year (2025-26) ie under £2k. So I decided to cash in one of my personal pension pots to make the most of my personal allowance (I detailed all this in recent posts asking other questions). The pension pot in…
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Can I retire?
Hi, I have just turned 55 and had some health issues over the past 5 years, had 2 pacemaker procedures, heart failure and on meds, although I feel ok I still struggle most days with fatigue and just don't have the enthusiasm or energy like I used to. I have my own home worth ~ 260k which is middle of the road valuation in…
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HL small pot application
I have my SIPP with HL and accessed small pot last year (tax year) and looking to do small pot this month. I did it by post last year as it was the first time (their rules). Am I correct I can do this online this year. Had a look in my account / HL site but could not find specific application page, only general contact…
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Semi Retired Pension Pots Query
Ok, i'll keep this as short as possible. I've just turned 60 and am semi-retired from the emergency services and drawing my LGPS. Since retiring I've worked part time for the John Lewis Partnership ( 4 years pension contributions ) and a local school ( 2 years pension contributions - again in the lgps ). My question is,…
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Can an IFA withdraw their service to me
I am retired and have my workplace pension invested with a well established national pension fund. My IFA is retiring soon and has merged his business with a larger firm to provide continuity to his clients. It now turns out this firm has its own pension wrapper product, which it is keen for its new clients to transfer to.…
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Gmpf going back to council..pension query
Hi 2015 Salford care became Aspire care a Community Integrated Company....today we have gone back to council..I have been on sick for last 4 months..but this year I qualify for rule of 85…so I decided to check my online statement…to be greeted with your company says your leaving page…initially thought have I been sacked?…
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Discretionary pensions
I have a 1999 bonus statement from Norwich Union, it is a discretionary Pension Scheme and I have only just found the document and realised I have this. I have been in contact with a lot of people / companies (the one who set this up is no longer trading) I cannot find this pension, is a company able to just cancel a…
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Any LGPS experts?
Last year I assisted a friend who had inherited a LGPS pension after the death of her father. She received an “eligible child’s pension” even though an adult due to disability. She received a lower amount as her father was married and his spouse received a widows pension. Now the fathers wife has passed away and her…
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Inter-SIPP partial transfers
I have a Halifax (Embark) SIPP which applies immediate tax relief to cash deposits. I also have another SIPP that will take weeks to apply the tax relief for my final in-payments. Neither SiPP is in drawdown. Could I use a partial cash transfer from Halifax to the other pension to bypass the HMRC refund 'delays'? The…
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SIPP death benefits after April 2027
Can I just check whether my understanding is correct, please. Assumptions: I die before my wife. I die after age 75 The IHT nil rate band will be used up by other assets. When I die, the SIPP will be passed over to my wife, who can continue to draw an income (on which she will pay income tax), but IHT will not be an issue…
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753 discussions
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Most recent: Missed callback on missed yea… by pinnks
14 September at 2:34PM
