£240,000

The annual allowance tapers down for high earners

45%

You can still contribute to your pension after you retire

Five Years

You have got five years to get tax relief

Introduction

Unless you are approaching retirement, thinking about your pension and retirement plans can seem unrelatable, possibly unnecessary and certainly boring. Many a financial services provider aims to educate their clients about the importance of pensions but few manage to make them interesting.

This guide does not claim to make them interesting, but it is designed to help private investors understand the importance of pension planning, make some sense out of the various rules that exist and generally enhance the knowledge of our readers. Why? Because the majority of people invest to save for their futures, and specifically one where they no longer earn a salary, and therefore are reliant upon their savings – and a pension can be the most important savings vehicle an investor might have.

Unless you are approaching retirement, thinking about your pension and retirement plans can seem unrelatable, possibly unnecessary and certainly boring. Many a financial services provider aims to…

Read more
Download

With annuity rates reaching an all-time low in 2016, changes were needed to the pension rules. No one envisaged quite how much things would change.

Read more
Download

Research conducted by the Association of British Insurers (ABI) found that £19.4 billion of pension pots associated with 1.6 million people sit unclaimed.

Read more
Download

Inheritance Tax (IHT) has been referred to as a “voluntary tax” because there are many legitimate actions you can take during your lifetime such that on death, you can reduce the amount of IHT payable…

Read more
Download

When discussing pension contributions one of the primary considerations is the annual allowance. The annual allowance is the most you and your employer can save into your pension within a tax year…

Read more
Download

There are around 11.8 million people who have built up benefits in private sector defined benefit pensions and its seems that higher transfer values are increasingly tempting people to leave these so…

Read more
Download

When retirement looms, we all wish for the reassurance and security that we will have enough money saved to sustain us for the rest of our lives. Nevertheless, time is uncertain and, if you’ll forgive…

Read more
Download

Far from being a victimless crime, financial fraud, especially when stealing someone’s pension, can be devastating and potentially leave the victim facing poverty.

Read more
Download

The pension lifetime allowance is an illogical penalty on successful investment performance that should play no part in our tax system.

Read more
Download
Download the guide

This guide is designed to help private investors understand the importance of pension planning, make some sense out of the various rules that exist and generally enhance your knowledge.