A third of us with pension plans do not know how they are invested, a further quarter ‘don’t care’, and half of us would need a pension pot of more than £10,000, before seeking financial advice. Survey shows a shocking level of ‘pensions indifference’ in the UK. Click headline for more details!
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One-third ignore pension plans, a quarter ‘don’t care’
Wednesday, June 16th, 2010Top-ups to pension plans – Hurry to beat the Budget!
Friday, June 4th, 2010The Government is discussing changes in the 40% rate of tax relief on contributions to pension plans. This could include abolishing the 40% rate altogether, and could come into effect with the Budget on 22nd June. Those considering topping up their pension plans may wish to act quickly, in order to beat the Budget!
Lower earners and self-employed need pension planning
Thursday, May 20th, 2010The more you earn, the more likely you are to pay attention to good pension planning, either by joining a company pension scheme, or setting up a personal pension scheme. Lower earners and the self-employed are the social groups most likely to neglect pension planning, according to new research from the Office for National Statistics (ONS).
Personal pensions a priority as occupational pensions crisis continues
Friday, May 14th, 2010Marks and Spencer and the Wedgwood Museum are the latest to report crippling debts from their occupational pensions schemes. Employees must increasingly consider private pension schemes, as final salary pension schemes continue to shut down.
Pension changes could eat up to 82% of pension savings in tax
Thursday, May 13th, 2010Government pension changes free you from the obligatory purchase of a pensions annuity by age 75, and enable you to leave your remaining pension savings to your children. However, Inheritance Tax and other tax charges could devour up to 82% of your pension pot. Good pensions advice and pensions planning can minimise the impact of these and future pension changes.
Basic State Pension changes – where Con and LibDem agree
Wednesday, May 12th, 2010Now that the new government has been confirmed as a Conservative / LibDem coalition, there are several key implications for the Basic State Pension and the whole pensions area. Click the above headline to read where the Conservatives and the LibDems already agree on pensions.
Apartheid in pension schemes worsens
Friday, March 26th, 2010Private sector workers aged 25, saving into occupational or personal pension schemes, would have to save nearly a quarter of their salary, to achieve the same pension income as their public sector counterparts. Typical total contributions, however, are just 10%.
Pension Schemes still best savings option – NAPF
Wednesday, March 10th, 2010
Pension schemes have come out tops with the majority of workers as being far ahead of other forms of saving. In a new survey, pensions came first with 44% of respondents, far ahead of property (18%) and well ahead of any other form of saving. Over three quarters of workers (77%) said they would regard a workplace or occupational pension as a significant plus point, when looking at any prospective employer.
Pensions rush as minimum age rises
Monday, March 8th, 2010The minimum age for taking company pensions and personal pensions rises from 50 to 55 on April 6th. Numbers of those retiring were up by over 20% in January, as many rush to retire before the deadline.
Pensions and Equities still unbeatable in the long term
Friday, February 19th, 2010
The economic downturn has produced many ‘pension sceptics’ – but their doubt about pensions as long-term investments crumbles, when you look at the figures. Pensions and equities still beat the bank, hands down.
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