Generation Still Taxed

By | 10.2018|Pensions|

Numbers nearly double in the last two decades With so much choice on offer, and with frequent rule changes and distinct tax benefits to consider, finding the right vehicle for your retirement planning is essential. Add to this the number of taxpaying pensioners nearly doubling over the last two decades, and with talk of also requiring pensioners [...]

Money’s too tight to mention

By | 09.2018|Pensions|

First comes marriage, then for some couples comes divorce. But a stable marriage is one of the best paths to building and maintaining wealth. Divorce, on the other hand, is expensive. Possessions, money, financial assets and debt acquired during (and sometimes before) marriage are divided between former spouses. Putting a price tag on a divorce [...]

Are you making the most of your pension?

By | 07.2018|Pensions|

By the time we have been working for a decade or two, it is not uncommon to have accumulated multiple pension plans. There's no wrong time to start thinking about pensions consolidation, but you might find yourself thinking about it if you're starting a new job or you're nearing retirement. Consolidating your pensions means bringing [...]

What are your retirement dreams?

By | 06.2018|Pensions, Retirement Planning|

Retirement is a time for you to do the things you've always wanted. When considering your retirement income needs, you need to consider the types of events you would like to happen once you've retired that may impact your budget. Thinking about these early could help you when you're deciding the best way to take [...]

Millenial Outlook

By | 02.2018|Pensions|

Pension saving high up on the list of workplace priorities Workers from the so-called 'Millenial Generation' are putting pension saving high up their list of workplace priorities. Nearly six in ten (57%) people in their first ten years of work considered the quality of their current employer's pension scheme before deciding whether to take the [...]

Our top 7 pension tips for nuturing your nest egg this year!

By | 01.2018|Pensions|

We’ve provided seven pension tips for you to consider to keep your retirement plans on track this year. 1. Consider consolidating your pension pots – while it might be hard to keep track of pensions with job changes, the Government offers a free Pension Tracing Service. Bringing your pension pots together may help you manage them, but take care to understand the [...]

When is a Self-Invested Personal Pension the right option?

By | 12.2017|Pensions|

Self-Invested Personal Pensions (also known as ‘SIPPs’) are being used by a rising number of private investors keen to take control of their retirement planning. First introduced in 1989, SIPPs have evolved into the favoured investment vehicle for individuals seeking more control and flexibility in their retirement planning. SIPPs are a form of pension available to all investors who choose to invest into [...]

Keeping on track of your pensions

By | 07.2017|Pensions|

It is important to keep track of your pension portfolio. It’s vital to ensure that you get the best out of the contributions you’ve made, and keep track of your pension portfolio to make sure it remains appropriate to your personal circumstances at different points in your life. Consolidating your existing pensions is one way [...]

Your options for using your pension pot

By | 05.2017|Pensions|

Under the pension freedoms rules introduced in April 2015, once you reach the age of 55, you can now take your entire pension pot as cash in one go if you wish. However, if you do this, you could end up with a large tax Income Tax bill and run out of money in retirement. [...]

What are Defined Benefit Pension Schemes?

By | 02.2017|Pensions|

Defined benefit pension schemes are where the amount paid to you is set using a formula. This is based on how many years you’ve worked for your employer and the salary you’ve earned rather than the value of your investments. If you work or have worked for a large employer or in the public sector, [...]