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Vanguard Global Tracker ETF
Does Vanguard have an ETF version of their global tracker GB00BD3RZ582? I can't seem to find one. If not, can someone suggest an equivalent global tracker ETF - I am looking for one that has some small cap in it (various others that I looked at seemed to have zero small cap). I realised that I prefer ETFs because I prefer…
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SIPP contribution - net vs gross
Hello all, if my taxable pay this year is £150k, presumably a gross SIPP payment of £50k would reduce taxable pay to £100k and fully recover my personal allowance. For the gross SIPP amount to be £50k, how much do I need to pay into the SIPP before the end of the tax year? I understand the SIPP provider will add basic rate…
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CPS Pension Portal - New Modeller for 2024
Why is there no advise on the pension portal for taking LATE retirement. They have early partial deferred but not staying in service past state retirement age. Also the new modeller has lost all figures for my NUVOS since 2011 and whichever option I choose only shows me figures for the ALPHA portion of my total entitlement
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CSP, McCloud, and partial retirement - help please!
Hi everyone, wondering if I can get some help/advice on my CSP issues. I’ve been in the CS since 2013, first 2 years in Premium (transferred in under a special arrangement from a previous NDGB), then in Alpha since 2015. Based on the MyCSP retirement modeller, at age 65 I was looking at figures of £3540 from Premium and…
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Ex Wife Pension claim
I divorced 8 years ago, without a financial order. I'm ex forces and in receipt of my military pension. I've also remarried. Can my ex wife still make a claim on my pension in the future, she has not remarried.?
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Is it worth paying into a pension anymore?
With the cost of living rises, I am wondering if it is worth reducing or stopping my pension contributions. If retirement ages are likely to rise to 71, if pensions are to be taxed more, and I have genetic risk factors for dementia and cancer that could mean I may be dead before I am 80, should I just use the money now to…
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Cashing in small pension of 14k at 55 years old.
Hello everyone, My 55 year old mother wants to take out her small pension of around £14k. It isn't enough to provide an income and my dad's pension will be able to cover the both of them. They want to take out the whole £14k in one lump sum. I know they can take 25% out tax free and the remaining pension will be taxed.…
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The best Pension platform fees
Hi guys My SIPP is within Vanguard. The usual global passive index funds. Ive built up about £120k. Im turning my attention to platform costs. (I have about 20 years of work left). How does Vanguard's platform fees compare to others? Should I just stay with Vanguard? Thanks
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Can I take a lump sum but still continue to contribute?
I’m still working and not planning to retire for several years. However, I’m wondering if I can take a lump sum from my workplace pension and still continue to contribute? If I can do this, does the pension automatically become a drawdown fund (because, ideally, I’d like to use it to buy an annuity whenever I do retire).…
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Is it all too good to be true?
In the last 7 years my investments when excluding new subscriptions have approximately doubled, on 60:40 equity:cash portfolio. Has this put me in a false position and the reality is there will be some poor years on the horizon? I know nobody knows the answer but sometimes I feel the last few years of growth is not…
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Pension switching incentives
Lots of coverage on incentives for current account switching, but none that I've seen for pensions. I kind of get it - bank accounts are a well oiled process, don't involve long waits, differing paperwork requirements, and potentially large sums needing to move. But given that the demographic of this board is made up of a…
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Why do media keep talking about WFP being £300 when everybody I know has been told it's £200
For the millionth time this morning's GNB referred to the loss of the £300 Winter Fuel Payment by those not on Pension Credit. I am on Pension Credit by the letter informing me that I qualify says I will receive £200 at some arbitrary date "in November or December". I've seen other posts that indicate this is the actual…
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Moving Pension now I've left the company + tax efficient contributions?
Just a quickie.. I've been salary sacrificing the vast majority of my salary into a Aviva Pension via the company I work for. It's got a decent sum going which is great. I went along with the sales person who came into the business a while back and went for the default safe fund they recommend on a decent low fee…
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State Pension Award - Incorrect
A bit of a strange one for the forum. Earlier this year I started making preparations for my retirement in November. According to my DWP online pension forecast, I have 43 full years. I knew this to be wrong as I had lived abroad in a non recirocal agreement country for 24 years and not paid into the UK system. In August I…
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Contribute to a Personal Pension 2023-24 to reduce tax payable for 23/24 tax year?
Retired 6 years ago but work Self Employed. Just keeping my hand in. For the 1st time my earnings have strayed into the Higher Tax bracket by £3k. Normally I just pay to 20% tax on these earnings when I complete my Tax Return, which I'm trying to fill in now. Can I contribute to a Personal Pension now - but for the 2023-24…
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Confused about pension segments
Hi I’m looking to do a partial transfer of my workplace pension with Aviva to my Vanguard SIPP and had a question about segments. I've been informed by Aviva that any transfer I initiate will be for a certain number of segments, of which my workplace pension is made up of 9999. From searching online forums, it seems as…
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Claiming state pension as a non-UK resident
I'm asking this on behalf of my father, who reached state pension age in February 2023. For the past 5 years he has been living abroad (in Malaysia), and plans to for the foreseeable future. He sold his property before leaving and therefore does not have a UK address. He wishes to claim his state pension. I was wondering…
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Cashing in small pension pots while still wanting to contribute
I'm nearly 55, so can start to access pensions. I have several different ones, including three major DB pensions and a SIPP, all of which I want to keep invested for as long as possible. I'm still contributing to the SIPP, and want to continue to do so. However, I also have two other DCs, which don't have very much in…
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NI contribution and early retirement
Hi all, I spent many years working overseas but have been in the UK for 10 years now and paying into the system. I am 40 now and should have my full NI years by the time I am 65. If I choose to retire early, say at 60, what do I need to do/how will I pay NI so that I get the full amount at 68? Is this something I need to…
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Broker/platform recomendation - to transfer pensions to that allows individual stock picks?
I have a couple of DC pension pots built up from time in two different jobs with Aviva and L&G The choice of funds is pretty limited and I would like the option to apportion funds to individual stock picks Just wondering if anyone has any recommendations on the most economic platforms with which to do this thanks
Got questions about boosting your state pension by checking your record with the Future Pension Centre and making voluntary National Insurance contributions?
