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Archive for March, 2013

Workplace pensions

Frequently asked questions UK employers now have a legal duty to enrol most employees into a qualifying workplace pension scheme and contribute towards their retirement following changes in the Pensions Act.

Occupational workplace pensions

“So what do I do with my money?” There are two main types of occupational workplace pension schemes:

Minimising potential taxes and duties on your death

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. With over 400,000 people now expected to reach age 75 each year [1], more and more people could be faced with a 55 per […]

Income drawdown

When you’re not ready to convert your pension fund into retirement income If you decide that you’re not ready to convert your pension fund into retirement income by buying a lifetime annuity, but you do need funds, you have a few options. These are often known as income drawdown options.

Gender neutrality

Women could increase their pension income by over 20 per cent The new 20 per cent uplift in capped income withdrawals, applicable from the 26 March this year, means that people could start to see the benefit of this uplift from the start of their new income year following this date.

Retirement income guarantee

Additional income protection If you have a partner or other dependants, such as children, you might want to think about additional retirement income protection. With income protection, your named dependants could get some or all of your retirement income if you die, either as regular payments over a period of time, or as a one-off […]

Different types of annuity

Valuable options that allow you to tailor the income you need In the UK, there are basically two types of annuity: • pension annuities (compulsory purchase) • purchased life annuities (voluntary purchase)

Buying your annuity

An important one-off decision that has long-term consequences if you get it wrong If you save through a private personal pension, when you approach retirement age you’ll have to decide what to do with the pension fund you have built up. If applicable to you, one option is to buy an annuity. It’s important to […]

Private personal pensions

To afford the lifestyle you want when you retire, you need to do something about it today It may be tempting to say, “But retirement is a long way off”, yet it’s never too early to start investing in order to protect your future. To afford the lifestyle you want when you retire, you need […]

State Pension

A regular payment from the government that you receive when you reach State Pension age The basic State Pension is a regular payment from the government that you receive when you reach State Pension age. To receive it you must have paid or been credited with National Insurance contributions. The most you can currently receive […]


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