Download 7 Ways to Build Your Pension by Anthony Vice PDF

By Anthony Vice

ISBN-10: 1845280822

ISBN-13: 9781845280826

Is there a pensions situation? definite! 16m humans (half the united kingdom staff) are dealing with retirement poverty i.e. surviving on lower than forty in keeping with cent in their pre-retirement source of revenue. executive studies that 3m individuals are heavily under-saving, and as much as 10m usually are not saving sufficient. at present 2.75m pensioners (mainly girls) are already at poverty point. by way of 2050, seventy five in step with cent of pensioners will face potential trying out for kingdom advantages.

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All that you pay into an AVC will be taxdeductible. AVCs will also be possible under Turner's proposals. Added years is a highly attractive option, which is generally offered only in final salary schemes run by central or local government. The way this works is as follows: a typical pension scheme will be based on l/40ths, so that if you work for 20 years you receive 20/40 or 50% of your final salary. With an added years option, you may be able to extend your 20 years service to a deemed 25, which will increase your pension by 25%.

5%, with maximum 40% for people between 61 and 74. The Inland Revenue set a cap on the amount of salary which is eligible - £105,600 for 2005-6. Meeting the costs Until recently, a SIPP was confined to larger funds: you had to face set-up costs and annual management charges, plus dealing costs and advisory charges if you felt you needed outside help. Execution-only brokers have brought down the cost of SIPPs. You will probably operate on-line or by telephone. Overall, your fund should probably have reached £100,000 to set up a SIPP.

Gifts: how to square the circle - an example Richard Whitcomb, 75, is a widower who lives on a state and moderatesized company pensions. The mortgage on his house has been paid off and 30 SEVEN WAYS TO BUILD YOUR PENSION he has built up £180,000 which has been put into banks and building societies, so that the interest supplements his pension income. Richard's only relatives are his two nephews, who have both just married and would like to buy houses. What can Richard do to help? He has made his nephews beneficiaries in his will, but that will not give them any money until he dies.

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