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Does David Cameron understand his own pension reforms?
Pensions are complex at the best of times and you could be forgiven for getting confused from time to time. Indeed, one of the reasons many people are ‘turned-off’ by pensions is due to their...
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Retirement: 6 reasons why you should still consider an Annuity
Ask 100 pensioners if they want a guaranteed income in retirement and we’d suggest most would say “yes”. But ask the same people whether they would like to buy an Annuity and many will say “no”. It’s...
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SIPPs: 6 tips to help you choose the right SIPP provider
Pensions Freedom, coupled with new legislation from the Financial Conduct Authority (FCA) regarding the amount of capital needed to be held by SIPP providers, mean the landscape of the self-invested...
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Pensions: Labour propose additional pension restrictions and to slash tax relief
Labour has announced sweeping changes to pensions, which will affect people with larger pots, as well as those with higher earnings. Despite calls from the pension industry for a period of calm...
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Retirement: 8 questions to answer before you cash in your pension
From the 6th April the new Pensions Freedom rules, will allow anyone over the age of 55 to cash-in their entire pension pot and spend the money as they like. When the new rules were announced last...
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5 things we’ve learnt in the first week of Pensions Freedom
After just a year of ‘development’, the first few days of Pensions Freedom were always going to be interesting. Some people were predicting ‘pension Armageddon’ with thousands rushing to cash in their...
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Annuities: Rates at their lowest ever level
Hot on the heels of Pensions Freedom, pensioners who still want to buy an Annuity have been dealt a blow, as new research has revealed Annuity rates have fallen to their lowest ever level. The research...
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Retirement: With rates at an all-time low, why would you buy an Annuity?
Last week research was published by Moneyfacts which revealed that rates on standard Annuities, which do not take into account your health, are at an all-time low. Furthermore with gilt yields falling...
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60,000 people use Pension Freedoms – 8 pitfalls to look out for if you plan...
The Chancellor, George Osborne, recently told the House of Commons that 60,000 people have withdrawn more than £1 billion from their pensions since new freedoms were introduced in April. Whilst Mr...
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Savings: Popularity of ISAs on the decline
For years Individual Savings Accounts, ISAs for short, have been the most popular option for savers and investors alike. However, it now appears they are declining in popularity. Figures released by...
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Retirement: Plans to allow pensioners to sell Annuities are scrapped
The Government has scrapped plans which would have allowed pensioners to sell their Annuities on the open market, in exchange for a lump sum. George Osborne originally announced the plans in March...
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