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    Do I need to have a company pension scheme?

    Any company that employs five or more people is legally obliged to give their personnel the opportunity to join a company pension plan. The penalty for not meeting this requirement is a fine up to £50,000. Unless you already offer some other recognised company pension scheme, you have to offer your employees membership of a pension. Your company needs to

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    How do I read my pension statement documents?

    You should now get a pension statement every year. You should not ignore this statement as it will give you a good idea of how your pension is performing. If you are looking for a pension performance review a financial adviser will want to see your statements to feed into the performance analysis. It is

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    What is a defined contribution pension?

    Pension schemes are very broadly characterised as either defined benefit schemes or defined contribution schemes. It used to be the case that many employers offered defined benefit schemes, but in recent years they have not wanted to shoulder the increasing defecit burden and have moved to defined contribution schemes. With defined contribution schemes poor investment

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    What are my pension options?

    Pensions are designed to provide income to live in retirement. There are state sponsored schemes which offer limited income and a host of private schemes facilitating investors to increase their retirement income. Most people should consider options to top up ther retirement income above and beyond the state pension that they will receive. Types of

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    Which pension suits me best?

    The pension scheme that is right for one person or company will not necessarily be the best one for another. A lot of factors feed into the equations. A financial adviser will look into your: • Amount of disposable income • Age • Financial stability • Tax threshold • Desired retirement lifestyle • Existing financial

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    What have been the best performing pensions over the last 10 years?

    Recently Citywire analysed 4000 funds over the last decade to discover the best performers. They tracked 4,180 funds across the 59 equity and bond sectors covered by their analysis teams. So what did they discover Gold, natural resources and emerging markets Europe sectors performed very well. The top performer was the Austrian emerging market bond

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    I have a pension can I have an additional pension?

    Yes. You can have as many pension as you wish as long as your annual contibutions do not exceed your annual or lifetime limit. The annual linit is at the time of writing £255,000 and the lifetime limit in a fund is £1.8mn. Of course you can only contribute to an occupation pension scheme whilst

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    Can I get a list of pension providers?

    There are numerous pension providers all competing for your money. Each has its own benefits and many specialise in certain types of funds. You can see a list of providers with information about them here: http://frozen-pension-release.co.uk/pension-providers/

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    What is pension income drawdown?

    What is pension income drawdown?“>

    Simply put, income drawdown, sometimes referred to as an unsecured pension, is an alternative to purchasing a lifetime annuity on retirement. Income drawdown enables a retiree to draw an income whilst they still have money invested. Usually, one would have bought an annuity by then. This mechanism is most useful for people with larger pensions

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    Differences between a SIPP and a Personal Pension?

    Differences between a SIPP and a Personal Pension?“>

    Before Pension A-Day ( a key reform period) SIPPs were largely the domain of wealthy investors. Recently the opportunities provided by SIPPs have become more widely appealing. SIPPs are essentially just a different type of personal pension. The contribution limits and tax rules are the same for both investment vehicles. Historically the biggest difference has been

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