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Posts Tagged "Pensions"

Planning for a Change of Circumstances in Farming

Have you, or will you in the future, receive a lump sum from the sale of your farm or farm land? Have you considered how your income will be affected should you choose to retire from farming? Have you considered…

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Reviewing Retirement Goals and Pensions

This case study demonstrates the importance of reviewing your pension plans regularly. The problem: Pension had not been reviewed for a number of years The benefit: Knowing clearly how your pension pot will support you in retirement Suitable for: Everyone with personal pension…

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What is a SIPP?

A Self Invested Personal Pension. This is a pension scheme that allows you to invest in a whole range of funds and other assets not just those of Insurance Company. You can also appoint a Discretionary Fund Manager to manage…

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What is auto enrolment?

Automatic enrolment is a government initiative designed to encourage saving for retirement. It started in October 2012 and is being rolled out across the UK so that by 2018 all employers will have to provide a workplace pension which eligible...
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What is Lifetime Allowance (LTA)?

There’s also the Lifetime Allowance (LTA), which is the maximum you can have in all your pensions without paying extra tax. For most people, from 6th April 2015 the LTA is £1.25m. In the 2015 Budget it was announced that...
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What is a Financial Wrapper?

A Wrapper is a method of structuring investment portfolios in the most tax efficient way. Commonly used wrappers in an advice process are Individual Savings Accounts (ISA) and Pension Plans although there are others that can be used based on...
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What is a Pension Annuity?

An annuity is a product that converts the money you’ve saved up in your pension pot into a monthly or yearly retirement income payable for either the rest of your life or a fixed number of years. You don’t have...
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