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Retirement - Latest Articles
A sacrifice worth making
If your employer were to ask you to take a cut in pay, most parents might reasonably think that someone had parted company with their senses. Yet it could be the best decision you ever make, should you agree.
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Pensions wealth check
Parents of children currently going through the education system may consider that the reported several thousand former Equitable Life policyholders having had their pension cut by up to half...
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Pensions wealth checkYour questions answeredQ: Over the past 20 years or so my employment history has varied, ranging between full-time and part-time employment. Am I entitled to a state pension and what is the amount likely to be? A: A starting point... Read on 
Early retirementSpeeding up the retirement processRetiring successfully in our fifties is the ultimate goal for many of us. But as the saying goes, ‘Most people don’t plan to fail, but they do fail to plan.’ The reality is that many individuals will not achieve this goal unless they take some decisive action. Read on 
State second pension (S2P)Should you opt back in?People who are contracted out of the state second pension (S2P) may benefit from opting back in if they are aged 44 years or older to avoid missing out on rebates, according to Legal & General. Read on 
Make a New Years resolutionPlan to get the most out of your pension provision
Commence saving for your retirement as soon as possible as the longer you leave it, the harder it is to catch up on missed time and contributions.
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Profiting from your pensionWhat does your employer offer you?
Continuous talk in the media about pensions and in particular over the past few years about the demise of the final salary scheme has been a regular occurrence.
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New Year pension planning
After a restful Christmas break (we hope) the prospect of another year of hard work faces many of us. So having something positive to look forward to can be a good way of getting re-motivated for the challenges to come. What is more, increasing your pension contributions can be an excellent way of funding school fees.
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Will your pension see you right?
Recent research by a leading firm of Actuaries and pension consultants suggests that, for many people, the state will provide more towards their overall retirement income than their company scheme, due to a massive move from final salary to money purchase schemes. For those using their pensions to help cover the cost of independent education, this can be an important factor.
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Pensions Under Threat
Those who are lucky enough to be members of final salary (defined benefit) pension schemes could soon find that they are not quite so lucky, after all. Because while a recent review has proposed that the sanctity of existing pension benefits should be preserved, the government is by no means certain to follow its recommendations.
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Personal Pension AccountsFuture Changes2012 may sound a long way off but pensions are all about long term planning, so a change that takes place in just five years is well worth thinking about now. The problem is that proposals now being considered by government appear to leave many people worse off. Read on 
Fast-tracking your retirementAre you taking advantage of the financial incentives?Those wishing to fast-track their retirement have been making the most of new annual allowances, which enable individuals to maximise their pensions with higher contributions. Read on 
Alternatively secured pensionsOver-75s face death taxes on pensionsFollowing Budget 2007, death taxes on pensions for the over-75s were announced and wealthy investors waved goodbye to one of their last chances of passing unused pension savings to their heirs. Read on 
Self-invested personal pensionsRelaxation of rules gives an increased appetite for longer-term savingThe relaxation of rules governing pension contributions has altered the retirement saving landscape and reinvigorated public appetite for longer-term saving. Read on 
Pensions funds raided to the tune of £5 billionFailure to review your pension contributions could leave you considerably worse-offPension savers who fail to review and take action to increase their pension contributions could be considerably worse off as a result of Gordon Brown’s raid on pension funds. Read on 
Long-term security from annuitiesRetirement options that are guaranteedThe long-term security that annuities provide can make them a suitable choice for the great majority of those retiring. This is because they can guarantee to pay a fixed income for the rest of your life, regardless of how long you survive. Read on 
One-minute guide to retirement planningMoney purchase schemesIn money purchase schemes, which are sometimes known as defined contribution schemes, the employer will usually top up your contributions by between 2 per cent and 10 per cent of your salary, significantly boosting your pension pot. Read on 
Prudent Pensioners Wealth protection tips Make sure that you have been paying the correct amount of tax over the past year. Mistakes do happen and can go unnoticed. If you are over 65, you should check you are receiving the correct personal allowance. Read on 
Are there any tax breaks leftYou don’t have to bite the bullet and cough upOver recent years we have had many talks and meetings with clients who feel that there doesn't seem to be any way left for them to reduce tax. We are often asked, ‘Do I just have to bite the bullet and cough up?’ Read on 
Blueprint for the future of pensionsYou don’t have to bite the bullet and cough upAfter years of prevarication and months of political wrangling, the government has finally laid down its blueprint for the future of pensions. Read on To view older articles visit our Archive |