Pensions & Insurance

• A partner's pension at no cost to yourself
  
  21 Aug, 2008
  By Nigel Callaghan

  You spend much of your working lives trying to look after your loved ones. The same concerns and considerations apply equally when you are about to retire.   With minimum...

• Your pension may be worth more than you think
  
  15 Aug, 2008
  By Nigel Callaghan

  Some investors want to retire now, but are put off from doing so by the worrying daily headlines of falling stockmarkets. They assume that their pension savings will be as badly...

• Protected Rights
  
  01 Aug, 2008
  By Danny Cox

  I mentioned in a recent article that from October you will be able to transfer Protected Rights pension money into your SIPP. Almost everyone that I have spoken to about this article...

• Making the most of your income drawdown plan
  
  25 Jul, 2008
  By Nigel Callaghan

  Hargreaves Lansdown research has discovered that over 130,000 investors have purchased an income drawdown contract since the millennium with a combined worth of £17 billion....

• Securing the right income
  
  23 Jul, 2008
  By Danny Cox

  There was an interesting story in the papers recently regarding family SIPPs. For those with a keen memory, the original pension simplification proposals opened the way for family...

• Maximising retirement income
  
  10 Jul, 2008
  By Nigel Callaghan

  Retiring investors are rightly concerned about inflation. The question is how best to plan for rising prices whilst maximising the value of your pension savings. Our latest research...

• SIPP your protected rights.
  
  10 Jul, 2008
  By Danny Cox

  Good news. It was confirmed recently that the rules will change so that Protected Rights pension money can be transferred into a SIPP from 1st October. Protected Rights stem from...

• Good fortune or hard work?
  
  09 Jul, 2008
  By Tom McPhail

  Few things in life that are worth having can be acquired without effort. If you are lucky, then a decent retirement income may just fall into your lap. Look at other aspects of your...

• Save where you can.
  
  08 Jul, 2008
  By Ben Yearsley

  Two interesting reports were released recently, both intrinsically linked. The first was from Scottish Widows who announced that one in three Britons can not afford to put aside any...

• Pru better get down the gym!
  
  03 Jul, 2008
  By Danny Cox

  Prudential, under the banner of PruProtect, have brought some innovation into the UK. Life assurance where the premiums fall if you live a healthy lifestyle, but increase if you...

• Transferring your pension overseas
  
  02 Jul, 2008
  By Tom McPhail

  We have been seeing persistent stories in the press in recent weeks, about UK pension investors transferring their pension fund overseas. Allegedly this is being done to escape from...

• A desirable postcode could make your retirement poorer
  
  27 Jun, 2008
  By Nigel Callaghan

  The once sleepy world of annuities is undergoing a revolution. Most insurers calculate annuities on the basis of the life expectancy, as well as an investor's age, sex and...

• Three simple steps to a secure retirement income
  
  25 Jun, 2008
  By Tom McPhail

  I am indebted to my friends at Fidelity for some really interesting research on retirement funding, and specifically into the key factors that dictate your retirement income. There...

• Retirement is changing
  
  20 Jun, 2008
  By Nigel Callaghan

  Government research released recently shows that the proportion of pensioner’s still working has doubled in the last 10 years. An increasing number of investors are no longer...

• Countering Inflation in Retirement
  
  18 Jun, 2008
  By Nigel Callaghan

  The Consumer Price Index (the government’s measure of inflation) increased from 3% to 3.3% p.a. in May – prompting Mervyn King to write an explanatory letter to the...

• The cost of living
  
  13 Jun, 2008
  By Tom McPhail

  HSBC has announced that it is restructuring its Defined Benefits pension scheme, citing improving life expectancy as one of the key reasons for the change. According to HSBC, every...

• Insured Retirement Plans - tin foil, armour plating or gold leaf?
  
  11 Jun, 2008
  By Tom McPhail

  For pension investors who are reaching retirement, there is now an alternative to the established choices of an annuity or an income drawdown plan ; it is the option of an Insured...

• Save money on income drawdown
  
  06 Jun, 2008
  By Nigel Callaghan

  Do you have an existing drawdown pension? If so you may be unaware that you can now transfer these plans between providers. By doing so you may be able to save thousands of pounds in...

• The cost of living
  
  06 Jun, 2008
  By Tom McPhail

  HSBC has announced that it is restructuring its Defined Benefits pension scheme, citing improving life expectancy as one of the key reasons for the change. According to HSBC, every...

• Ways of dealing with inflation in retirement
  
  04 Jun, 2008
  By Nigel Callaghan

  The recent flow of statistics on the rising cost of living and the continuing fallout of the credit crunch has been good news for retiring investors buying an annuity, as many...