What Is the Transfer Value of a Pension Hundreds of thousands of pension transfers take place each year, signalling a significant movement of retirement funds across different schemes. You’re likely considering the implications of such a decision on your own financial future. Understanding the transfer value of your pension is a vital part of this…

Can I Retire at 55 Like a seasoned marathon runner eyeing the finish line, you’ve paced yourself for a career that you hope can end at 55, well before the standard retirement age. As you chart the course towards this milestone, it’s important to understand that retiring early isn’t merely a matter of wishful thinking…

SHOULD I CONSOLIDATE MY PENSION Consolidating multiple pensions into one plan can simplify management, reduce admin, save money, improve performance and provide a clearer financial picture. However, the decision to consolidate can be overwhelming and confusing, requiring careful consideration of various factors. This article will discuss the benefits, potential drawbacks, and key considerations involved in…

Cash is King, was the old saying, and then it wasn’t if you were looking for a good return. But now the good times are back, and interest rates are at their highest for 14 years. However, the options to take advantage of interest rates within pensions seem to be more difficult. In this article,…

The Institute for Fiscal Studies, earlier in the year, proposed reforms to the pension system, including scrapping the 25% tax-free lump sum,  Key Points The Institute for Fiscal Studies (IFS) proposes to scrap the 25 % tax-free lump sum to create a more equal subsidy for all private pensions. The current tax subsidy for the…

A Pension Advisory Service can help you make educated decisions about your retirement plans. Pensions can be complex and something you might not deal with every day; well, our advisers do. A Financial Conduct Authority-regulated adviser can assess your needs and recommend a suitable path for your retirement funds. These professionals have the expertise to…

With uncertain global economies and mediocre stock market returns, are you looking for a guaranteed return with your retirement fund? Look no further than fixed-term annuities, an increasingly popular option for retirees who want the certainty of a return without losing control of their funds. Fixed-term annuities falling under drawdown rules offer a guaranteed income…

If you have a pension or pensions from multiple employers, or old personal pensions, it can be difficult to keep track of them all. Consolidating your pensions into one pot is a great way to gain control and oversight over how they are doing and where they’re invested. By consolidating your pensions, you’ll benefit from…

Why are defined benefit/final salary transfer values going down? Defined benefits transfer values are going down because of changing market conditions which affect the calculation of benefits. Rising inflation and rising longer-term gilt yields from historic lows are a perfect storm for the decline of transfer values. A gilt is a UK government bond. It…

What is Final Salary Pension Transfer Advice? There are many different types of pensions in the UK; however, for final salary schemes, if you are looking to transfer your benefits, you need a final salary pension transfer adviser, also known as a Pension Transfer Specialist, these advisers have the relevant permission and experience to help…

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