_ 1 Stop Independent Stakeholder Pensions Advice _ Stakeholder Pensions For Employees

Stakeholder Pensions For Employees Stakeholder Cafe.com Quick Links:   Quotations   Compare & Buy Pensions   Get Help or Advice If you want to survive in retirement on State benefits then that is your choice.  If you want more than that in retirement then you have to plan for it.   Personal Pensions - If your employer does not offer a company pension scheme then you have the option to join a Personal Pension Scheme or a Stakeholder Pension Scheme.  Personal Pensions are entirely flexible - you decide how much you wish to contribute (within certain limits).  You can use our Stakeholder/Personal Pension Calculator to check your maximum contribution limits.  You decide when you wish to retire (between the ages of 50 and 75) - you can even change the date you wish to retire (a lot pension companies will allow this without any penalties.  You decide where your money is invested.  On retirement you may be eligible for a tax-free lump sum (up to a maximum of 25% of the fund) and the remainder of the fund in invested to provide an income for you.  You also get tax relief from the government on contributions that you make.   Stakeholder Pensions - Stakeholder for All - these pensions have a government set maximum limit on charges and are extremely good value for money.  The contribution limits are broadly the same as personal pensions but with some slight changes.  You can check your maximum contribution limits by using our calculator.  You can even contribute up to £3,600 per annum even if you earn nothing.  You set up your own plan - but it should be borne in mind that soon your employer may have to offer you access to a pension scheme of this type or another (if they do not already do so).  Employer Rules .  To help you decide if Stakeholder is a good option for you you should use the Decision Trees Stakeholder Cafe.com Quick Links:   Quotations   Compare & Buy Pensions   Get Help or Advice