We’d like to remind Forumites to please avoid political debate on the Forum.
This is to keep it a safe and useful space for MoneySaving discussions. Threads that are – or become – political in nature may be removed in line with the Forum’s rules. Thank you for your understanding.
The MSE Forum Team would like to wish you all a Merry Christmas. However, we know this time of year can be difficult for some. If you're struggling during the festive period, here's a list of organisations that might be able to help
📨 Have you signed up to the Forum's new Email Digest yet? Get a selection of trending threads sent straight to your inbox daily, weekly or monthly!
Has MSE helped you to save or reclaim money this year? Share your 2025 MoneySaving success stories!
Standard life GMP
Comments
-
They would have allowed the std 25% only. The GAR would have only been applicable to the remaining 75%. Once I was in receipt of the info that a very lucrative GAR was part of the deal, all the other offers were irrelevant.
The others on here will tell you that in the 80s several pension companies were writing GARs into their policies (section 32s I think) as interest rates were high, investment strategies and results were always positive bla bla.
I'm sure if I had historic contractual responsibilities that guaranteed approx 10% for (hopefully) several years I wouldn't go out of my way to tell people about them!
Paul1
Confirm your email address to Create Threads and Reply
Categories
- All Categories
- 352.9K Banking & Borrowing
- 253.9K Reduce Debt & Boost Income
- 454.7K Spending & Discounts
- 246K Work, Benefits & Business
- 602.1K Mortgages, Homes & Bills
- 177.8K Life & Family
- 259.9K Travel & Transport
- 1.5M Hobbies & Leisure
- 16K Discuss & Feedback
- 37.7K Read-Only Boards