Select the links below for everything you need to know about pensions.
We recently surveyed our clients to find out about their
saving habits and retirement needs. One of the biggest
trends in our findings was that respondents said they would
like to know more about pensions.
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The Pension Freedoms were introduced in April 2015, marking
one of the most radical changes to pensions in almost a
century.
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“What's the catch?” we hear you ask. Simple, save for
your future!
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Tax relief is a great way to boost your pension savings.
Here's how it works:
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If you have not used your full allowance in the past three
years you could use the *Carry Forward* rule.
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Despite some confusion from the government not including
details in the Finance Bill 2017, the money purchase annual
allowance (MPAA) has been in place retrospectively from
April 2017.
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If you are a higher rate or additional rate tax payer your
annual allowance may differ to that of a basic rate tax
payer. As basic rate tax payer you can receive tax
relief on personal contributions up to 100% of your
earnings, or £3,600 (if you do not have relevant earnings).
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"Should we be putting our money in an ISA or a SIPP?" a
question we hear often.
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Do you know how much tax-free cash you can receive from your
pension pot?
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Working out how much you need to save before you retire can
be quite a daunting challenge, but it doesn't need to be.
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Long walks on the beach with loved ones, spontaneous fishing
trips, gifts for grandkids, and relaxing after many years
spent in the work place. The retirement dream, right?
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One in five over-50s have been targeted by a pensions scam
between May 2017 and July 2017, according to a recent study
carried out by Retirement Advantage. They found that a
growing number of scammers are using sophisticated
techniques to convince individuals to hand over their
savings.
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According to the Office of National Statistics, consumer
price inflation (CPI) rose to 1.6% in November 2016, its
highest level since July 2014. Although this is still below
the Bank of England's 2% target (the level they think is a
sign of a healthy, growing economy), it suggests that
inflation is finally starting to make a come back.
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Keep up to date with EasySIPP changes
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According to the Office of National Statistics (ONS) one in
three children born today will live to be 100. Those readers
with a 'glass half full' attitude, or those who are familiar
with the eight wonder of the world, compounding, might say
that this gives our children longer to save a decent
retirement pot.
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The rules concerning who you can leave your pension to
changed in April 2015.
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VCTs (venture capital trusts) enable
individuals to invest into small, unquoted UK companies that
have the potential for a high level of growth.
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So, you've worked for 40+ years and you can now retire.
Great! This is the time that Captain Hindsight knocks on the
door and says “probably should have saved more”.
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While you can now leave your pension to be inherited by
family members, potentially tax free, some are wanting to
help out their loved ones in another way.
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Our 20s and 30s are more about spending than saving. With
university fees, mortgages and children to budget for
pensions can often be the last thing on your mind,
especially as it may seem a lifetime away. However, when you
reach 40 or 50 years old and start thinking about your
retirement, hindsight has a habit of popping up to say
“gosh, I should have started saving earlier”.
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Our investment portfolios can, and should, change a lot over
time. When we are younger we can afford to take more risk.
After all, we have decades in which to save and time to
recover from any stock market crashes. As we get older and
start approaching our retirement, we then start to 'de-risk'
as we can't take as many chances with our money. But what
does de-risking actually mean and how should we go about it?
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