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Government State Pension Contact Phone Number?
Tried calling 0800 731 0181 then states I have phoned an incorrect number. Anybody have a correct number please.
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Locking In Annuity Rates?
I have a friend who would be a perfect candidate for an
annuity. No dependents, very risk
averse, no existing DB pensions apart from the state pension. He’s reached the point where he almost certainly
has enough in his pension to fund his retirement, and now he’s looking to
downshift and just tick over until pension access…
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Paying into a SIPP when reliant on UC - any advice?
Randomly started thinking about pensions today. I am 50 and reliant on UC for health issues. I sincerely doubt I will return to work so am pondering if I should try and pay into a private pension/SIPP of some sort now to help bolster any state pension I qualify for. Would £25 paid in a month + some fees be worth it? Or…
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UK retirement planning tools
Hi,I'm looking for a DIY retirement planning and drawdown tool that can make suggestions, especially around tax. There are lots of options in the US, but in the UK I can only find a product from Retireeasy.co.uk. Does anyone have experience with this tool, or know of UK alternatives? Thanks,
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Seeking beta testers for a pension planning app
This discussion was created from comments split from: Pensions Planning: The NUMBER.
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HL fees reducing
Interesting that HL are reducing their account fees - e.g. for SIPPs and ISAs from 0.45% to 0.35% for first £250K https://www.hl.co.uk/help/income-and-fees/fees-explained/fee-changes Maybe the ii and A J Bell TV adverts are having an impact! Still any reduction is welcome But there is now a £1.95 charge per trade…
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Gilt ladder implementation Query
I have recently retired and will need to access cash from my sipp from April. I am 60 and will receive DB when I am 65 . So my plan is to use a gilt ladder to live off until DB kicks in. What I am unsure about and maybe it doesn't matter is , do I construct 5 year gilt ladder or 4. if I do 5 years one gilt would need to…
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Spouse Inheriting ISA's
I believe that when a spouse inherits ISA's that there is a Additional Permitted Subscription that can be used. My question is would the building society inform the recipient of this at the time ,as I would imagine its something that could be overlooked at a stressful time and may lead to some losing the tax free status of…
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UK state pension while living in Brazil
I am a UK citizen by birth. I have now reached pensionable age and am eligible for a state pension based on voluntary contributions. I am fiscally resident in Brazil where I have a Brazilian pension. If I take my state pension payment in Brazil I believe I will lose index-linking. If in the future I relocate to an eligible…
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drain SIPP in to ISA - quickly, slowly or not at all?
I'm going round in circles working out what to do with my SIPP and I'm now hoping that someone can suggest a way forward, please. For context I'm 61, stopped working a year back and taking defined benefits pensions with cash set aside to get through to state pension. I started off thinking that I would drain my SIPP in to…
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NHS pension - best time of year to start
To maximise the increase in CPI, is it best to take my NHS pension as an active member as soon as possible after the new financial year in April or are the calculations pro rota over the year?
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Tax on pension
Mother in law is 90 - was living alone but currently in a care home (not sure if it's temporary or permanent). She owns her own house worth 300k 🤷♂️ Father in law died a couple of years ago She gets 1k+ state pension every 4 weeks as well as 450 from her work pension and 425 from his work pension. fiver a month interest…
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ii SIPP - taking first Tax Free Lump Sum
Planning on taking a PCLS (pension commencement lump sum) from my SIPP. What is not clear to me is if I need to sell some of one or more of my investments first in order to have cash available for the withdrawal. I walked through the process expecting to be asked what should be sold to release the lump sum cash, but I…
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Pension seems to be doing ok?
Hi there, I'm not looking for advice, more like opinion (although I appreciate they might be similar). I have a stakeholder pension from a job I left in summer 2025. Relatively small amounts were paid in as part of my salary but about 5 years ago I started paying in extra cash to help boost the pot. In January, Scottish…
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HL SIPP Track the market vs Expert Managed
As above. Obviously fees are much higher so just wondered what, if any, people’s experience has been and if they felt it had been worth it or not? ( Appreciate fund size and many other factors come in to play but as a simplistic experience!)
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Annuity change of calculation from RPI to CPIH
As many of you will be aware, in February 2030 the calculation for RPI will be changed to be the same as CPIH. The term RPI will remain in existence but it will effectively be CPIH. CPIH typically runs between 0.5% and 1.0% lower than RPI. For long term holders of RPI annuities it is unclear if there will be any redress to…
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DWP UK Pension payment in France arbitrarily stopped - anyone else?
The DWP international pensions office manager in Wolverhampton wrote a letter to me dated 30 December 2025 which arrived here in France on 17 January 2026. The manager said my pension payments were being stopped from December 2025. The 4-weekly payment due on 6 January did not arrive at my bank. He or she claimed not to…
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Moving from defined benefit Teacher's pension to defined benefit Railway Pension scheme
Hi all, I am looking for some advice on my work pension. I moved from working as a teacher to the railways around 9 months ago. I am trying to decide whether I should transfer my pension benefits from teaching into my railway pension, or whether to leave it as a separate entity. Pensions confuse me, so if anyone had any…
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Sharia index tracker versus global (ethical) equity in workplace pension (USS)
Hi Everyone,Just looking to get some thoughts on the merits of different funds when there is a limited choice within a workplace pension, particularly Sharia versus ethical funds. I am referring to the DC part of the USS hybrid pension scheme, but aiming to understand all of these funds, and their pros and cons. For…
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Not a full state pension plus a private pension
My wife is turning 70 this year, she has a civil service pension but only a partial state pension because she refused to fund more into it when she finished in the civil service at age 40. So her total pension comes just above the current income tax threshold for paying tax. With the current government plans to ensure…
Got questions about boosting your state pension by checking your record with the Future Pension Centre and making voluntary National Insurance contributions?
748 discussions
6.5K comments
Most recent: NI years are now full, existing OAP, when should I expect my monthly payments to reflect this? by Dazed_and_C0nfused
22 May at 1:38PM
