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Pension with Aegon
I think Mr.Leiws needs to highlight the problems people are facing using this incompetent company. After announcing that they are to be bought by Standard Life in the UK, their website is unusable. I am unable to log into my account, check my pension, make alterations to it and this has been going on for months. This is…
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Lifesight Pension - any good?
My DC pension pot is with WTW Lifesight. I've around £500K in there. I'm at the stage in life where I'm looking into moving into drawdown. I have protection for my tax free lump sum of 26.7% (from my previous employers scheme that was transferred in). I've seen very many bad reviews of Lifesight on the TrustAdvisor site -…
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Oh what fund to go with - Standard Life
Hi all I am going down a rabbit hole with lots of different corridors in which I am getting totally lost. I want to retire in 3 years and want to start throwing some extra £££ at my local government pension in the form of an avc. Is Lifestyle a good choice for me? I am a bit risk adverse with my money, so medium risk is as…
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De-risking before retirement
So, I plan (hope) to retire in about 18 months, when I will be 61. I have a works pension and the state pension from age 67, which seems okay. To bridge the gap of 6 years, I'll need about £150k, which I currently have in a combination of ISAs and a SIPP. I'm working for the next 18 months to build up a cash reserve and…
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Pennies short of full State Pension-but would like to make it up to full.
Hi folks, I am about 17p short of the full State Pension, been getting it now for over two years, its not a great deal, to be that small amount short, but still I would like to bring it up to the full amount, just probably for the sake of thinking I actually get the full amount. As I pay tax, I know I am probably only…
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PPF lump sum reduction
Checked today and discovered that the lump sum quote from last time has been greatly reduced following a overview in October of last year . Annoyingly the figure quoted now ref lump sum will have a adverse effect on some future plans. Is it possible to take the lump sum now and not take the pension until the normal age…
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Consolidate my pensions
Hi I have 2 work pensions with the same company, contributory & non-contributory (closed to further contributions). The non-contributory pension is worth around £100,000, and will pay a guaranteed amount at retirement age - around £4,700 p.a. I realise this is valuable, but I can't help thinking it would be better to…
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With profits pension
Hi, my pension is quite low so probably not worth getting pension advice on my pension due to costs. I would be grateful if someone could advise on the following: I have my fund value sum, my transfer value is another £20K on top which includes the final bonus (not guaranteed) My pension is due to finish when I am 60 which…
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Banner message when logging into NI/Pension Checker Site
Does everyone see this message when logging into the NI/Pension Checker site? My case with HMRC is incomplete or in progress somewhat, and some online tools suggested this message is shown to indicate this to customers who are waiting for further clarification. On the other hand it could just be a general message which…
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State and private pensions have gone up, but I'm worse off
This discussion was created from comments split from: State Pension and Private Pension.
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AVIVA FUNDS
I have my retirement fund with AVIVA, all of my fund prices update Monday to Friday around 6-7pm and consist mostly of shares My question is when my fund prices update does it relate to the ftse/dow share prices the day before or before that or do they relate to live prices at that time ?
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AVC's or SIPP?
Hi, I just wondered if anyone can offer me any advice. I have a SPP with around £6K in it that I stopped investing in a few years ago. I have been offered a Local Govt AVC with Prudential, it works via salary sacrifice and plan to put £50 in there a month. I understand you get tax relief and NI relief. The Money Helper…
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Questions on Private Pension
I’m new on this thread. I have some questions hopefully someone can help me 1. Can someone recommend a company who can trace all my pensions? I used the government sponsored pension tracing but none of my previous employers’ names were shown and I couldn’t remember my pension providers. 2. I’m happy to pay for the tracing…
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Pls help me chose right fund in Scottish Widows
Hello I have just started new job and my employer uses Scottish Widows for pension. If I had a choice, I would like to invest in global tracker like Vanguard FTSE Global All Cap. Unfortunately this is not available, below are all the funds available to me under Equities. I would like recommendation, which of the below…
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Any benefits to contributing to workplace pension past former LTA value?
Hi Everyone, As per the title, is it worth continuing to pay into a workplace pension, via salary sacrifice, if the value of one's pensions has reached the former LTA? I am currently a higher rate tax payer and expect this to continue in retirement. This means that while I would get 40% tax relief on the way in for future…
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What happens if you straddle pension age increase?
On 6th April 28 minimum pension age increases to 57. My DOB is Oct 71. If I start accessing a DC pension from Oct 26 (age 55) can I continue? Or on 6th April 28 (age 56) will there be limits on how I can access my pension? What are the guidelines? I'm thinking I would be able to access crystallised funds in a drawdown…
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DB Lump Sum - Future Planning
I am currently 53 and plan to retire at around 57-58 if my financial plans are met, as this will fall in with the retirement of my slightly older wife. I am fortunate to know what I need based on current spending patterns, and have the luxury of having a DB pension. With that in question, and based on the knowns of today.…
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Pension payout by mistake?
Not sure if this is a scam or true. I assisted a person who had lost her husband with a pension pay-out that she was unaware of and she successfully received it last year. She got a lump sum and receives a monthly income for life. They had contacted her about it as she wasn't aware of it until then, this was march 2024 and…
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Need a fixed fee IFA for sipp drawdown advice
Hi, I’m in the fortunate position of having a sipp which will provide the 25% tax free max LTA amount. I would like to pay a fix fee to an IFA, who can give me the pros and cons of how manage a drawdown strategy ,taking into account my specific circumstances. Can anyone recommend an IFA they have used ? I spoke to a couple…
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UFPLS withdrawals from a SIPP with two funds.
I'm thinking of moving two separate pensions to a well-reviewed company, who will allow regular UFPLS withdrawals without the high minimum amounts (e.g. £5k) many impose. They are fine with doing this monthly, whatever amount I want, but said I'd need to sell some pension fund units to create the cash balance, which will…
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