Pension Advice
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Private Pension Plan
Use a private pension to save money for your retirement. Your pension will be based on the money you pay in and the performance of your investments. Your money is invested in shares, bonds, property and cash.
Pension Drawdown
Use drawdown to access your pension when you retire. It’s flexible. You keep the bulk of your pension pot invested to give you an income in the future. You can take as much or as little income as you want when you need it.
Self-Employed Pension
Use it to save money for your retirement. Payments are flexible and can be changed as your circumstances allow. Get tax relief on your contributions which you can offset against your profits. You can draw a pension from 55.
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Cashing In Pension
You can take your pension from 55. The first 25% is tax-free. The balance is taxable. If you spread out your withdrawals rather than take it all in one go, your pension pot will last longer and you’ll pay less Income Tax.
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Early Retirement
You can’t retire earlier than 55 unless you’re in poor health or your pension’s rules allow it. Beware companies offering to get your money out early! Early payments carry a hefty tax bill if you don’t qualify for them.
Multiple Pension Pots
Make it is easier to keep an eye on where your money’s invested and whether you have the right investment strategy. Save time and money with less admin. Get advice on just one pension pot rather than several.
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Pension Annuity
If you don’t want to take investment risk an annuity might be right for you. You still have the option to take a cash lump sum from your pension pot and you use the balance to buy a guaranteed income.
Workplace Pension
You and your employer pay into your pension pot. Your contributions are topped up by tax-relief and then invested. They grow almost completely free from tax until your retire.
£61,897
The average amount invested in pension pots at retirement
This would get you a pension of only £2,500 a year and even if you add the state pension, you’ll still be below the current minimum wage. Good luck surviving on that!
THE GUARDIAN Sept 2019

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