Topic: Uncategorized

Pension consolidation

Posted on December 18, 2013 by - Uncategorized

BRINGING YOUR PENSIONS UNDER ONE ROOF

Most people, during their career, accumulate a number of different pension plans. Keeping your pension savings in a number of different plans may result in lost investment opportunities and unnecessary exposure to risk. (more…)

Self-Invested Personal Pensions

Posted on December 18, 2013 by - News, Retirement, Uncategorized

TAKING MORE CONTROL OVER YOUR PENSION FUND INVESTMENT DECISIONS

If appropriate to your particular situation, a Self-Invested Personal Pension (SIPP) could be another option to consider if you require the flexibility to choose where your pension money is invested. SIPPs are now also open to people of lower incomes – not just those with commercial property. (more…)

Occupational workplace pensions

Posted on December 18, 2013 by - Uncategorized

‘SO WHAT DO I DO WITH MY MONEY?’

There are two main types of occupational workplace pension schemes:

Defined-contribution pension schemes
A defined-contribution (DC) or money-purchase pension scheme is one that invests the money you pay into it, together with any employer’s contribution, and gives you an accumulated sum on retirement – with which you can secure a pension income, either by buying an annuity or using income drawdown. (more…)

Minimising potential taxes and duties on your death

Posted on December 18, 2013 by - Protection, Uncategorized

IMMEDIATE ACCESS TO YOUR PENSION FUNDS, ALLOWING YOU TO TAKE OUT WHAT YOU WANT, WHEN YOU WANT IT

As your wealth grows, it is inevitable that your estate becomes more complex. Money saved via a pension can be passed on to a loved one, usually outside their estate and free of any death tax, provided the pension fund has not been touched and they die before age 75. People fortunate enough not to need immediate access to their personal pension may therefore decide not to touch those savings for as long as possible. (more…)