Self Invested Personal Pension


8 reasons to transfer from a Final Salary Pension Scheme


Why would anyone consider giving up their ‘Rolls Royce’ Final Salary pension offering guaranteed, inflation-proofed income, which continues to pay to a spouse after your death? Wasn’t this the source of so many complaints and misselling scandals years ago? A good starting point would be to continue to assume it’s usually not in your best […]

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Bringing clarity to your pension options


This week the Chancellor made yet another surprising announcement affecting pensions. This time it concerns the scrapping of the tax charge applied to some lump sums paid following death. For those who have a pension pot in access of £200K this announcement, along with the previous changes announced at the budget, are of significant importance. […]

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Yet more pension changes!


Next April the amount of pension scheme savings you are allowed to amass (excluding State entitlements) before they become subject to penal tax rates of up to 55% is set to reduce yet again.  This limit is known as the Lifetime Allowance. Initially this limit was set at £1.8m and has reduced to its present […]

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Pension Liberation?


Despite a number of announcements dealing with tax evasion and avoidance in the 2013 Budget, the Government does not appear to have taken any steps to combat the growing number of pension liberation cases. Andrew Tully, pensions technical director at MGM Advantage said: ‘This appears to be a missed opportunity to clamp down on pension liberation schemes […]

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Tips for Maximising the Tax Advantages of Pensions


Pensions are a tax-efficient way to save for retirement, but not everyone is aware how they can maximise the tax advantages pensions offer.  In this article Swindells Financial Planning, pension advice experts based in Seaford & Uckfield, Sussex describes four opportunities it is worth considering to make your pension provision work for you. The primary […]

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Investment Management – Stop Monkeying Around!


In the world of investment management there is an idea that blind-folded monkeys throwing darts at pages of stock listings can select portfolios that will do just as well, if not better, than both the market and the average portfolio constructed by professional money managers. If this is true, why might it be the case? […]

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Review existing pensions


As we move through our working life, almost inevitably we can build up a collection of pensions from previous employers and self-employment, amounting to significant six figure sums, but do you need to take any specific action with these pensions? Too often, we see advice centred around simplifying and consolidating all your disparate arrangements, which […]

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Passing pensions down the generations


The obvious personal tax benefits of a personal pension (SIPP) are well known, income tax relief on contributions, tax-free growth inside the pension and the option to take 25% of the accumulated fund as a tax-free lump sum, but what about the Inheritance Tax benefits? Defined Contribution pensions (Personal pension/SIPP) can be passed to any […]

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Lasting Power of Attorney


What is a power of attorney? A power of attorney is a legal document that allows someone to make decisions for you, or act on your behalf, if you’re no longer able to or if you no longer want to make your own decisions. There are a number of reasons why you might need someone […]

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