Pension & retirement

What is a personal pension?

Personal pensions are a means of building up a pot of money to then use to provide you with a regular income in your retirement......

What is a stakeholder pension?

A stakeholder pension is a type of personal pension which builds up a pot of money to then use to provide income in retirement.  They have to meet certain standards to ensure they are flexible and have a limit on charges.....

Self invested personal pensions

The self-invested personal pension (SIPP) itself is a pension wrapper that holds investments until you retire and start to draw a pension income....

Pension annuities and the open market

An annuity is another name for pension income.  Once you have bought an annuity, there is no going back, so it has to be right first time.By shopping around, you can increase your income by up to 20%, usually at no cost to you.....

Restricting pension tax relief from April 2011

The Treasury has now announced what they intend will form part of the 2011 Finance Bill.  The main changes are.....

Purchase of shares through pensions

A Self Invested Personal Pension (SIPP) can invest in individual company shares traded on any international stock market.....

Commercial Property Purchase through Pensions

Should you, your partnership or company need or wish to purchase freehold commercial property, it is possible to use funds from a Self Invested Personal Pension

Director / Executive Pension Plans (EPP)

EPP’s are taken out by senior executives or directors and are occupational pension schemes provided by the employer and operated by a life assurance company or self-administered.....

National Employment Savings Trust - NEST

The requirements to be NEST compliant start from October 2012 and will vary dependent on size of business and PAYE reference number.....