Shifting the balance of pension contributions
New figures from the Office for National Statistics (ONS) have shown that employers paid £40.6bn into company pension schemes in 2008. This represents a £4bn (9%) drop year-on-year.
Are there ever good reasons for taking early pension benefits?
Jan 27, 2010
Should you ever take retirement benefits early from your pension plans and in particular take the much loved tax free cash lump sum?
Choosing retirement options
Jan 21, 2010
The difference between need and want is an important part of retirement planning when choosing annuity options. Choices sometimes force you to have to think and consider what you really need, rather than what you might want.
“I don’t really understand pensions”
Jan 16, 2010
A local lady came into see me yesterday for some basic advice about her pensions. Like many people I meet, she started our conversation by pointing out that “I don’t really understand pensions”.
Delaying pension benefits – a difficult decision
Jan 14, 2010
Pension investment funds will, in the main, have fallen in value over the last couple of years. So the challenge for those individuals who are close to retirement is going to be do they take their benefits now or do they defer taking benefits in the hope of further recovery.
Two SIPPs are better than one?
Jan 14, 2010
Why would someone have two Self Invested Personal Pension (SIPP) plans? A client we met this week did had two.
Personal Accounts: A NEST of vipers?
Jan 8, 2010
We learned today that the introduction of Personal Accounts (the new form of Government enforced savings for retirement) will be soft launched in 2011 with volunteer employers.
Informed Choice calls for ‘sea-change’ on pensions
Jan 7, 2010
Savers need to readdress their approach to private pensions in 2010 – a year in which the general election will shape the financial landscape, says Informed Choice.
The £1m retirement fund strategy
Jan 6, 2010
I had a great client meeting yesterday morning. We spoke about retirement planning and he explained how he needed to accumulate £1 million in his pension pot by age 65.
Death of the Rolls Royce of pension provison
Jan 4, 2010
The FT reports today on a survey by the Association of Consulting Actuaries. The survey tells us that almost 9 out of 10 final salary pension schemes are closed to new members and that 18% are now closed to further contributions by existing members.
Get in touch
- Informed Choice
- Sundial House, 20 High Street, Cranleigh, GU6 8AE
- 01483 274566
- hello@icfp.co.uk