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RNPFN Terminal Bonuses
OldSteve
Posts: 1 Newbie
Learned Friends
I have various RNPFN Liberty ADDplan policies. I have called the RNPFN help line and they will not say what the likely Terminal Bonuses (if any) will be. The Web site says they stopped giving Annual Bonuses so they could be more adventurous with their investments and be more likely to secure good terminal bonuses. (My words not theirs)
Is anyone actually getting terminal bonuses at the moment? Have they been paid over the last few years?
Currently I am hanging on to these policies but they look likely to pay very little on maturity. Without some kind of promise of a terminal bonus what's the point!
My wife is still paying into her policies and her projections look far worse than mine even though I stopped paying into mine 15 years ago. Surely its time to pull the plug? Is the Terminal Bonus Terminally Bogus?
I have various RNPFN Liberty ADDplan policies. I have called the RNPFN help line and they will not say what the likely Terminal Bonuses (if any) will be. The Web site says they stopped giving Annual Bonuses so they could be more adventurous with their investments and be more likely to secure good terminal bonuses. (My words not theirs)
Is anyone actually getting terminal bonuses at the moment? Have they been paid over the last few years?
Currently I am hanging on to these policies but they look likely to pay very little on maturity. Without some kind of promise of a terminal bonus what's the point!
My wife is still paying into her policies and her projections look far worse than mine even though I stopped paying into mine 15 years ago. Surely its time to pull the plug? Is the Terminal Bonus Terminally Bogus?
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Comments
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I'm about to get my Liberty Addplan payout. I stopped paying in some years ago in favour of Added Years in the NHS scheme. I suppose it's possible that more recent contributions are not growing as much..
I'm not sure about the RNPFN/LV bonus rate but I can say that I have been pleasantly surprised by the size of my money 'pot'. It's about 20% better than I anticipated - that said, my expectations were very poor given the various postings I've seen here and elsewhere a few years ago.
One thing to bear in mind that you have guarantees with the annuity that probably exceed anything available on the open market today.The only thing you should be paying interest on is a mortgage.
Otherwise Mr Banker - No, I think you'll find interest is something you pay to me....
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