-
Transferring Royal London plan to II SIPP
I have a Royal London plan through a past employer that's sat with RL since I left. I've confirmed as best I can this is actually just a RL personal pension but via a group discount so around 0.35% all-in. Main thing is it doesn't have a protected access age and it doesn't have any safeguarded benefits. I can't think of…
-
Short Term Money Market Fund
Folks Put me right here please. I noted the below on Bell as a possible alternative to setting up a gilt ladder to preserve what I have in the SIPP. Couple of Qs. What is the risk compared with gilts? It seems I may receive a wee bit of growth? Is this right? The primary aim is to preserve what I have in the SIPP until SP…
-
MSE News: WASPI compensation rejected again following fresh Government review
Women who argue they were not fairly notified about a rise in the State Pension age will NOT be paid compensation, the Government has announced today (Thursday 29 January) following a fresh review. Insisting that the majority of affected women knew about the change, ministers said a compensation scheme "would not be the…
-
McCloud Remedy
I joined the NHS pension scheme in 2003 and left the service in 2022. So a large proportion of my pension is affected by the McCloud Remedy. I am now 60 and was hoping to take my pension this year, so I need a comparison between the standard pension and the remedy. I have been in contact with the NHS Pension, but with no…
-
UK Government Bonds on Fidelity
I'm (hopefully) within 2 years of retirement, so looking to de-risk, and government bonds are an option I'm considering. I have a SIPP with Fidelity, but can't find gilts on their platform (google search hasn't helped) Does anyone know if Fidelity supports gilts? How to find them? Thanks
-
advice on regular payments into a SIPP please
hi following excellent advice on here regarding an old DB pension, im now ready to leave that alone and start regular investments into an existing SIPP for the next 5 years when i retire (im 60 now, planning to retire at 65). i have a Hargreaves Lansdown SIPP, its around 7 years old and has grown from £80,000 initially to…
-
Ministers still reject Waspi calls
A bit surprised this hasn't been posted yet but the Government's latest decision review is once again a "No". BBC report at https://www.bbc.co.uk/news/articles/c1jeyn3yxn9o I thought of adding this at the end of the previous post about this, but thought it might confuse any new readers if they started at the beginning of…
-
Clerical Medical Pension moved my funds without my consent
In 2019 part of my pension funds with profits was moved out of my fund against my wishes or consent as I had reached normal retirement age-in this case, 60 years old. They claim they wrote to me informing me that if I did not respond to their letter, which I never received they would switch my funds to a cash account.…
-
Pension Being Withheld
I don't know if anyone can help me. Last year my husband hit 65, he works full time and through his employer had two pensions. One with Clerical Medical which in 2009 was stopped but held in trust (as far as we know) and then the pension went to Aegon. In June 2025 we saw a financial advisor who got the Aegon pension…
-
Purchase immediate needs annuity for care home fees?
Good afternoon all. I am looking for a quotation for an immediate needs annuity for my father's care home fees. It seems you can only purchase one through a financial adviser. There's only four insurance companies that write these policies. The fees for the adviser arranging an annuity are 4% of the policy premium. It…
-
Aegon & flexi access drawdown - anyone done it?
Hi all, I plan to drawdown some pension in the reasonably near future. I would like to use flexi access, adhoc drawdown i.e. every now and then I sell some of my funds into cash, crystallise them (maybe by moving them into some sort of "drawdown" account), then transfer into my bank account with 25% of that being tax free,…
-
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.
-
Help with knowing how much is 'needed' to retire?
Online calculators to me are quite worrying in that it seems to be unless you have a pot of £1million then you're going to struggle in retirement & while some will be fortunate enough to be in that position, I certainly wont. I doubt many of the people I know either will be fortunate enough for that yet they seem to do…
-
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…
-
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…
-
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,
-
Seeking beta testers for a pension planning app
This discussion was created from comments split from: Pensions Planning: The NUMBER.
-
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…
-
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…
-
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…
Got questions about boosting your state pension by checking your record with the Future Pension Centre and making voluntary National Insurance contributions?
734 discussions
6.4K comments
Most recent: Paid gaps in N.I a year ago, still not updated. by Bighitter32
6 February at 11:02PM
