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Who has my pension for a month?

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  • Marcon
    Marcon Posts: 15,927 Forumite
    Ninth Anniversary 10,000 Posts Name Dropper Combo Breaker
    My workplace pension is debited from my salary ever month on the 28th but I have noticed it does not appear in my Scottish Widows pension scheme for another 4 weeks , normally a few days before my next payday. Scottish widows insist this is “Industry practice “ to credit the investment a month in arrears ! Is this correct ? Who is then benefiting from holding my money for 4 weeks ( not me )?
    Has anyone else had this issue?
    It is indeed standard practice. As to who benefits from holding your money....could actually be you, depending on how the markets fluctuate between deduction from your pay and being credited to your pension. If you're investing in units which have dropped in price during that time, you'll be credited with more!
    Googling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!  
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