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Pensions | Personal, Stakeholder, SIPP, QROPS, Transfers, Annuities

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With fewer people now staying in the same job for life and final salary pension schemes becoming increasingly rare, anyone who doesn’t want to rely on the state pension is finding that the bonus is on them to sort out a sensible plan for their retirement…

Personal Pensions

Personal Pensions - Build up funds using contributions, tax relief and investment returns

Build up funds using contributions, tax relief and investment returns

With a personal pension, you choose the provider and set the level of your contributions, which are normally invested into a portfolio of stocks and shares via an investment fund. Part of the pension will be paid in a lump sum on retirement, with the remainder used to purchase an annuity to provide income…

Stakeholder Pensions

Stakeholder Pensions - A low cost pension option to generate a tax free lump sum plus an income

A low cost pension option to generate a tax free lump sum plus an income

Stakeholder pensions are a low cost solution with limited charges, a flexible yet low level of minimum contributions and penalty free transfers between providers. They are often arranged by employers, allowing you to have contributions paid directly from your salary…

SIPPs

SIPPs - Self Invested Personal Pensions

Self Invested Personal Pensions

A SIPP is what's known as a wrapper that is used to hold other types of investments, such as commercial property, government securities or stocks and shares. This type of pension is designed for people who want to proactively manage their investments, but requires a certain level of expertise or sophistication…

QROPS

QROPS - Qualifying Recognised Overseas Pension Scheme

Qualifying Recognised Overseas Pension Scheme

Moving your pension to a Qualifying Recognised Overseas Pension Scheme can have certain specific benefits to anyone retiring abroad, such as the avoidance of inheritance tax on the pension fund, a tax free lump sum of up to 30%, tax efficiencies on income and the ability to leave 100% of your pension to a nominated beneficiary...

Pension Transfers

Pension Transfers - Switching providers and types of pension scheme

Switching providers and types of pension scheme

Merging multiple pensions is one of the more common reasons for a pension scheme, but personal investment preferences, changes of employer and high running costs can all be valid reasons. However, it can come at a high cost, so is something that you should speak to a professional adviser about first…

Annuities

Annuities - Convert your pension fund into an income for the rest of your life

Convert your pension fund into an income for the rest of your life

Annuities are used to convert the lump sum in a pension fund into a retirement income, usually payable for the remainder of your lifetime. However, as with most financial products, there are various different types of annuity and a number of important choices you will need to think about as you approach retirement...

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