As we are coming to the end of the tax year, many investors might ask themselves whether it is better to use your annual ISA allowance or Pension allowance. The simple answer is both if you have the capital available to do this.
However if you only have a limited amount of money, which route is
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Created on: Thu 15 March 2012 16:59
Last modified: Thu 15 March 2012 17:10
A number of open market option providers, along with campaigners are planning to launch an annuity comparison service.
The service is to be launched to raise the benefits of shopping around for the best annuity rates.
Many products such as Personal pensions and stakeholder plans give the
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Created on: Tue 13 March 2012 15:55
Last modified: Never
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Pensions Advice,
annuity
The High Court, will today here an appeal from Unions over pensions. The appeal relates to the use of the Consumer Prices Index when calculating pension indexation as opposed to the previous method of using the Retail Prices Index (RPI).
The unions have argued that the change will affect the
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Created on: Mon 20 February 2012 11:43
Last modified: Never
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Pensions Advice and tagged with
Pensions Advice
Changes to Basic State Pension
Confirmation from the Dept of Works and Pensions has outlined changes to the basic state pension.
The coalition has been concerned with the complexities of means testing and the burden this puts on the state to adminster means tested benefits.
Apparently radical
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Created on: Sat 03 December 2011 09:30
Last modified: Never
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Public Sector Pensions Report
Labour MP John Hutton has recommended an increase in the contribution made by employees to public sector pension schemes.
He recently branded Public sector final salary schemes as “inherently unfair” as a large proportion of private sector workers are no longer
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Created on: Sat 03 December 2011 09:28
Last modified: Thu 09 February 2012 08:29
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Pensions Advice
Government change pension contributions
An announcement by the Treasury this morning has confirmed that the annual pensions allowance is to be reduced to £50,000.
The total lifetime allowance for pensions (the total value of your pension before tax is applied) is to be reduced from £1.8
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Created on: Sat 03 December 2011 09:27
Last modified: Thu 09 February 2012 08:31
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Pensions Advice
Pension Reform and Employers
The 2008 Pensions Act will introduce Auto Enrolment, a major pension reform starting in October 2012.
Employers (starting with the largest) will be required to offer a workplace pension scheme that satisfies the new legislation. Requirements will be phased in over four
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Created on: Sat 03 December 2011 09:25
Last modified: Never
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Pensions Advice
Steve Webb at Lib Dem Conference
Steve Webb the Liberal Democrat, Pensions minister spoke at the Lid Dem annual conference this week. He declared reform of State Pension Benefit was a necessity if saving for retirement is to be encouraged.
'For the first £35 you save, it is just replacing the
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Created on: Mon 20 September 2010 23:00
Last modified: Thu 09 February 2012 09:03
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Pensions Advice
Transferring your pensions to a SIPP
If you would like to have more control over your own pension fund and be able to make investment decisions yourself with the option of our professional help, a Self-Invested Personal Pension (SIPP) could be the retirement planning solution to discuss with
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Created on: Fri 07 May 2010 14:37
Last modified: Wed 08 February 2012 09:18
Planning for inflationary pressures and the effects on your assets
Rising inflation poses a risk to any investor. Cash and gilts are the most vulnerable asset classes when it comes to erosion from inflation: cash because the returns are generally quite low and gilts because they pay a fixed
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Created on: Fri 07 May 2010 09:00
Last modified: Thu 09 February 2012 06:51
Wherever you are with your retirement plans, do not be put off from taking action, it s not too late. There are still steps you can put into place to increase the pension amount you'll get when you retire.
Pensions are a highly tax-efficient way to invest. If you already have a pension, now would
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Created on: Tue 30 March 2010 08:33
Last modified: Tue 30 March 2010 08:33
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Pensions Advice
The Personal Accounts Delivery Authority (Pada) confirmed which company is to administer the new NEST Scheme (formerly Personal accounts).
PADA confirmed that Tata Consultancy Services (TCS) will provide the administration of the scheme when it is launched. Pada will sign a contract with TCS later
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Created on: Tue 02 March 2010 15:11
Last modified: Fri 04 May 2012 08:08
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Pensions Advice and tagged with
nest
The Pensions regulator seems to be at loggerheads with the Trustees of one of the UK’s largest pension schemes.
It has been revealed that the BT Pension scheme has a deficit of over £9billion as at December 2008. The regulator has raised concerns about certain aspects of the plan to reduce the
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Created on: Thu 11 February 2010 15:28
Last modified: Thu 11 February 2010 15:28
Ever wondered what a sipp is? We've put some information on our website to help. Click here for more information on Self invested pension arrangements.
Created on: Thu 04 February 2010 12:03
Last modified: Thu 01 December 2011 07:03
Concern has been raised by the CBI (Confederation of British Industries) about final salary pension schemes and the impact on the UK in recession.
The recent report, surveyed the management of the UK‘s largest companies about pensions generally. The concern was raised about the costs to companies
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Created on: Mon 07 December 2009 14:39
Last modified: Mon 07 December 2009 14:39
People saving in Stakeholder and Group Personal Pensions are losing thousands of pounds each year because they are only getting half the tax relief they are due. Although Retirement Planning is an effective way of saving, many people do not claim the full tax relief that might be available.
But up
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Created on: Tue 24 November 2009 12:50
Last modified: Wed 08 February 2012 09:29
A recent channel 4 report of the amount of money invested into stakeholder pensions shows grim results. According to the ABI (Association of British Insurers) Sales in pensions fell by 28% compared to the previous 12 months. The total amount of money also invested into pensions fell by 22% over
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Created on: Tue 25 August 2009 12:38
Last modified: Wed 08 February 2012 09:33
Created on: Tue 25 August 2009 09:44
Last modified: Thu 09 February 2012 06:36
For my latest Article on Stakeholder pensions go to http://www.squidoo.com/stakeholder-pensions
Created on: Mon 03 August 2009 13:04
Last modified: Wed 08 February 2012 09:35
Your questions answered
It’s not something we usually contemplate during our working lives, but many of us could spend almost a third of our life in retirement. Even if your retirement isn’t on the near horizon it’s never too early to start planning. A pension is one of the most effective
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Created on: Sat 14 March 2009 22:08
Last modified: Wed 08 February 2012 09:42
Make the most out of your investments.
