Personal Pension | Stakeholder Pension | Private Pensions

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	Private Pensions Ensure you have the stress-free retirement you always planned with the right private pension in place. Take advantage of our free pension review to evaluate what you need from your pension and find out the best way to get it, whether its a personal pension or stakeholder pension.
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	Personal Pension A Personal Pension is enables you to pay a regular amount or lump sum into a pension scheme. The payments are then invested by the pension provider on your behalf. Your final pension value relies on the amount you have contributed and how well your pension fund's investments have performed. Personal Pensions at a glance
		wider investment choice compared to stakeholder pensions tax efficient - basic rate taxpayer currently gets 20% tax relief - for every £80 you contribute to a pension plan, taxman tops it up with £20. flexibility to change payments and funds your pension is invested in generally higher minimum contributions and charges compared to Stakeholder Pensions



	Stakeholder Pensions Stakeholder pensions were introduced for people who do not have access to a company pension. It is a low-cost scheme which has to meet certain criteria, set by the government to ensure that it gives value for money and flexibility. Stakeholder Pensions at a glance
		tax efficient (same as above) limit on charges - any stakeholder pension taken after 6 April 2005 have charge cap of 1.5% government criteria ensures flexibility - you can do things like changing provider or payments without being penalised for it. generally lower minimum contributions compared to personal pension

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	Chartered Financial Planners - Principle First Financial Services are one of the few Independent Financial Advisers to achieve Chartered Status in the UK - a reflection of our professionalism and dedication to providing the highest level of customer service and financial planning, including wealth management and inheritance tax planning. Principle First Financial Services is a trading style of GMF Marketing Services Ltd. which is authorised and regulated by the Financial Services Authority. Principle First Financial Services is entered on the Financial Services Authority's register under reference number 409667. PAST PERFORMANCE IS NOT A GUIDE TO FUTURE RETURNS & INVESTMENT RETURNS MAY FALL AS WELL AS RISE - Risk Profile must be clarified before proceeding with any investment advice. We use the phrase best ISA on the basis that it may be the ISA most suitable to your needs.