Adjusted Income and Threshold Income

Manage My Own Investment Fund Switches

Published / Last Updated on 08/03/2016

Many investors want to manage their own pension and investment fund switches rather than pay an adviser a fee to do the same. The usual routes for online management are there but we offer a few key points on what to look for if you are not sure.

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Pensions

State Pension Triple Lock v Retail Prices Index

State Pension Triple Lock v Retail Prices Index

State pension increases moved from the headline retail prices index (RPI) to the Triple Lock of the higher of the consumer prices index (CPI), average wages inflation and 2.5%pa ...

> 6y

Pensions

Personal Tax Account for State Pension Forecast

Personal Tax Account for State Pension Forecast

Register for your personal tax account at: https://www.gov.uk/personal-tax-account Once registered and logged in, you can view PAYE, self assessment, national insurance contributions records, benefits, child benefit and state pension forecasts. It ...

> 6y1m

Pensions

4000 Money Purchase Annual Allowance

4000 Money Purchase Annual Allowance

The £4000 Money Purchase Annual Allowance that was withdrawn from the Finance Act 2017 will be reinstated in the Finance Act (No.2) 2017 in the Autumn 2017 and backdated ...

> 9y1m

Pensions

Early Retirement Age Increase from 55 to 57

Early Retirement Age Increase from 55 to 57

The government has confirmed that the earliest age you will be able to draw pension benefits is to be increased from age 55 to age 57. Government has also ...

> 6y1m

Pensions

Carry Forward Pension Payments Can Only Pay In What You Earn

Carry Forward Pension Payments Can Only Pay In What You Earn

If you earn £zero, the maximum you and your employer can pay into a pension scheme is £3,600 pa gross (including tax relief). However, if you have salary then ...

> 6y1m

Pensions

Why is Flexible Drawdown Retirement Age Set to Age 75

Why is Flexible Drawdown Retirement Age Set to Age 75

Many people ask us why is the flexible drawdown retirement age set to age 75? Under old pension scheme rules there was a requirement to do something with your pension ...

> 6y1m

Pensions

Full Pension v Reduced Pension and Tax Free Cash

Full Pension v Reduced Pension and Tax Free Cash

Should I take all pension income or should I take reduced pension income and tax free cash lump sums? To establish a net return that you would need to achieve ...

> 6y1m

Pensions

Unauthorised Pension Payment Charge Rates

Unauthorised Pension Payment Charge Rates

What are authorised payments? Member lump sum and income payments Member death benefits paid to beneficiaries Advice and administration cost payments Transfer payments to other approved pension schemes in UK and Overseas Pension sharing ...

> 6y2m

Pensions

Budget 2020 Tapered Pension Annual Allowance

Budget 2020 Tapered Pension Annual Allowance

The limits for threshold income amd adjusted income have been increased to ensure less highers earners including medical staff get caught with tax penalties on tapered pensions annual allowance ...

> 6y6m

Pensions

Individual Protection 2016 Lifetime Allowance Deadline April 20

Individual Protection 2016 Lifetime Allowance Deadline April 20

Individual Protection 2016 Lifetime Allowance Deadline 05/04/2020: 2016 Fixed and Individual Protection April 2016 – the Lifetime Allowance (LTA) was reduced from £1.25m to £1m. You could apply for Fixed Protection 2016 ...

> 6y6m

Pensions

Our Solution to Lifetime Allowance Annual Allowance Problem

Our Solution to Lifetime Allowance Annual Allowance Problem

Why we hate the Annual Allowance and Lifetime Allowance .... The annual allowance can penalise members of defined benefits schemes who have modest increases to pension entitlement in a single ...

> 6y7m

Pensions

Can I Pay Into Pension After Age 75

Can I Pay Into Pension After Age 75

You are allowed to pay into a pension fund after the age of 75 but you will not receive tax relief on the contributions that you make. If you are ...

> 6y8m

Pensions

Check Old Company Pensions Allow Switches

Check Old Company Pensions Allow Switches

It is not usual but we have recently come across a client with an old company money purchase or investment linked pension scheme that does not allow fund switches ...

> 6y8m

Pensions

Cash Flow Modelling for Retirement

Cash Flow Modelling for Retirement

Start by mapping out minimum 'subsistence' living expenses and 'leisure' expenses – from today, every year and into later life. e.g. you may wish to spend more in early retirement ...

> 6y9m

Pensions

Money Purchase Annual Allowance and Defined Benefit Pensions

Money Purchase Annual Allowance and Defined Benefit Pensions

Does the Money Purchase Annual Allowance affect Defined Benefit Pension Schemes? Annual Allowance: You and your employer comboned can pay up to £40,000 a year (or 100% of your salary) ...

> 6y11m

Pensions

Calculate Enhanced Lifetime Allowance if Worked Overseas

Calculate Enhanced Lifetime Allowance if Worked Overseas

Calculation of International Enhanced Lifetime Allowance for Defined Contribution Pension Schemes and Defined Benefit Schemes. Calculation of International Enhanced Lifetime Allowance for Defined Contribution Pension Schemes: Establish the total amount of ...

> 6y11m

Pensions

Accept Defined Benefit Safeguarded Rights Pension Transfers

Accept Defined Benefit Safeguarded Rights Pension Transfers

In April 2019, we suspended accepting Defined Benefit and Safeguarded Rights pension transfers as the Financial Ombudsman Serice maximum (non- contestable) compensation limited was increased from £150,000 to £350,000. Many ...

> 7y1m

Pensions

Pension Scheme Does Not Offer Flexible Drawdown

Pension Scheme Does Not Offer Flexible Drawdown

What if your pension scheme does not offer flexible pension drawdown i.e. it only offers lump sum and annuity? What if the scheme does not want to change its scheme ...

> 7y1m

Pensions

Can My Pension Be Transferred To Another Person

Can My Pension Be Transferred To Another Person

A question often asked is whether you can put your pension in someone else’s name. The answer is no, this can only usually been done on death or divorce. Your ...

> 7y2m

Pensions

Ages You Should Get Pre Retirement Advice

Ages You Should Get Pre Retirement Advice

There are 3 key stages when you should take retirement planning advice: Early Twenties: To establish good habits for regular saving in pensions as well as maximising tax relief ...

> 7y2m

Pensions

Pension Wake Up Pack

Pension Wake Up Pack

You will receive a Pension Wake Up Pack when you are close to your retirement age usually issued 4-10 weeks before retirement date. It will: Explain your retirement options. Explain what an ...

> 7y2m

Pensions

Are Dividends the New Annuity When Retiring

Are Dividends the New Annuity When Retiring

At retirement you usually have a choice to buy a secure, guaranteed income for life (an annuity) or use flexible drawdown pension where your pot remains invested in a ...

> 7y3m

Pensions

Maximum Tax Efficient Drawdown Sum 2019

Maximum Tax Efficient Drawdown Sum 2019

Maximum Tax Efficient Drawdown Sum 2019 -Tax Year 2019 (06/04/2019 - 05/04/2020) Personal allowance = £12,500 Basic rate band = £37,500 Income: £50,000 before Higher Rate Tax Starts *(Not In Scotland) What to ...

> 7y6m

Pensions

Can I Still Have Tax Free Cash After Age 75

Can I Still Have Tax Free Cash After Age 75

Can I still take tax free cash after age 75? Talk to different organisations and you get different answers. The definitive answer: HMRC Tax Law = Yes, whether before or after ...

> 7y6m

Pensions

GMP Equalisation of Company Pension Schemes

GMP Equalisation of Company Pension Schemes

GMP Equalisation of Company Pension Schemes and High Court ruling impact in November 2018. Barber v GRE (1990) - the equalisation of pension rights and pension ages was a gradual ...

> 7y7m

Pensions

Pros and Cons of Lifestyle Automated Switching of Pension Funds

Pros and Cons of Lifestyle Automated Switching of Pension Funds

We explain the pros and cons of Lifestyle Automated Switching of pension funds....

> 7y8m

Pensions

State Pension Age Changes Explained

State Pension Age Changes Explained

The state pension age for men (65) and women (60 increased to 65) is now increasing again to 66 then 67 and 68. We explain when and how state ...

> 7y8m

Pensions

Pension Decumulation Planning

Pension Decumulation Planning

Pension Decumulation Planning we liken to flying: Take Off: Starting out Ascent: climbing and planning to get to a destination Glidepath: on target to reach target and then descent into retirement Landed: at ...

> 7y9m

Pensions

Reclaim Overpaid Tax On Pension Drawdown

Reclaim Overpaid Tax On Pension Drawdown

What HMRC forms do you need to complete to reclaim income tax withheld by your pension company when you use flexible pension drawdown? P50z - if you have a drawdown ...

> 7y9m

Pensions

Pension or Salary if over Pensions Annual Allowance

Pension or Salary if over Pensions Annual Allowance

Some basic calculations to help you decide whether you should take pay, salary, bonus or continue with pension contributions if you are over Pensions Annual Allowance....

> 7y10m

Pensions

We Are Not Saving Enough

We Are Not Saving Enough

Video explores the priority or lack of priority we give to saving regularly in pensions and investments. We are simply not saving enough and we need to save more ...

> 7y10m

Pensions

Pension Advice With Tax Relief using Pension Advice Allowance

Pension Advice With Tax Relief using Pension Advice Allowance

The Pension Advice Allowance allows you to withdraw up to £500 tax free from your investment linked pension on 3 occasions for wider planning pre-retirement planning such as early ...

> 8y

Pensions

Taking Pension Early Age 55 Changing to Age 57

Taking Pension Early Age 55 Changing to Age 57

The ability to take pensions from age 55 is increasing to age 57 in 2028. 10 years may seem a long time away but if you are in your ...

> 8y2m

Pensions

Flexible Drawdown You Also Need Lasting Powers of Attorney

Flexible Drawdown You Also Need Lasting Powers of Attorney

Research published by Zurich Ins. suggests that 4 out of 5, that's over 350,000 flexible drawdown users have done Lasting Powers of Attorney meaning that if you lose physical ...

> 8y4m

Pensions

Higher Tax Free Cash Protection on Transfer

Higher Tax Free Cash Protection on Transfer

Video explores the position when you have a higher tax free cash entitlement than 25% from a pension fund and what you can do to protect it when you ...

> 8y5m

Pensions

Paying In Too Much and Exceeding Pension Annual Allowance

Paying In Too Much and Exceeding Pension Annual Allowance

What happens if you pay too much into pensions, exceed your annual allowance and receiving tax relief that you are not entitled too?...

> 8y6m

Pensions

Tax Free Cash Pension Fund Recycling

Tax Free Cash Pension Fund Recycling

What is pension fund recycling? Did you know there are rules that apply when you take out pension tax free lump sums and taxable lump sums and then pay ...

> 8y7m

Pensions

Workplace Pension Payments Increase 2018

Workplace Pension Payments Increase 2018

Employer and Employee minimum contributions to workplace pensions increase in April 2018 and again in April 2019. Watch the video to learn about the changes....

> 8y8m

Pensions

Pension Deficits versus Company Profits and Dividends

Pension Deficits versus Company Profits and Dividends

Do you think legislation should be considered where companies have significant pension scheme deficits and yet they still post large profits and declare dividends?...

> 8y8m

Pensions

Do Not Cancel Your Pension Payments

Do Not Cancel Your Pension Payments

Are you thinking of cancelling your pension payments? Stop, think and watch the video before doing so....

> 8y9m

Pensions

Pension Transfer or Consolidation Review

Pension Transfer or Consolidation Review

We explain why you should always have a pension and investment review before making any decision to transfer or consolidate pensions, ISAs or investments. If your adviser is simply ...

> 8y10m

Pensions

Pension Savings Target

Pension Savings Target

The Pensions and Lifestime Savings Association (PLSA) has suggested that we all need easily understandable and simple pension targets such as 'minimum' (£10,000 pa pension to cover basic living ...

> 8y11m

Pensions

Capped Drawdown Convert to Flexible Drawdown

Capped Drawdown Convert to Flexible Drawdown

If you have older style 'capped' drawdown pensions e.g. you released the lump sum only before April 2015. If you want to withdraw further sums, you may be 'capped' ...

> 9y1m

Pensions

Pension Cash In Affects Means Tested Benefits

Pension Cash In Affects Means Tested Benefits

Will I lose my benefits if I cash in my pension? If you are on means tested benefits such as Employment Support Allowance, Job Seekers Allowance, Housing Benefit abd ...

> 9y1m

Pensions

Transfer Public Sector Pension

Transfer Public Sector Pension

Public Sector Pension transfer rules changed in April 2015. When can you transfer and when you cannot transfer to another pension scheme....

> 9y2m

Pensions

Do Not Forget Pension Annuities At Retirement

Do Not Forget Pension Annuities At Retirement

Given that flexible drawdown pension is now a prime favourite at retirement but the value of your funds can fall as well as rise in value, it is still ...

> 9y2m

Pensions

Safeguarded Rights Pension Transfer

Safeguarded Rights Pension Transfer

Safeguarded rights are rights within a pension with some element of guarantee not related to the money purchase (investment linked) pension value. Guaranteed Minimum Pension (GMP) from contracting out ...

> 9y4m

Pensions

Review Capped Drawdown Now

Review Capped Drawdown Now

Did you release a lump sum from your pension a few years ago? Have you got old style capped drawdown? Maximum annuity rates to restrict your income are falling. ...

> 9y4m

Pensions

Losing Pension Income Increases

Losing Pension Income Increases

Will you lose your guaranteed pension rights? The Contracting-out (Transfer and Transfer Payment) (Amendment) Regulations 2017 start in July. They will give the power to defined benefit pension schemes that ...

> 9y4m

Pensions

Will Your Pension Income Be Capped

Will Your Pension Income Be Capped

Have you released the tax free lump sum only from your pension plan? Did you start capped income drawdown a few years ago? If so, in both cases you ...

> 9y4m

Pensions

Avoid High Tax Flexible Drawdown

Avoid High Tax Flexible Drawdown

How can some people avoid the high 'emergency tax' applied to pension flexible drawdown payments with the use of Small Pots rules....

> 9y5m

Pensions

Pension Advice Allowance

Pension Advice Allowance

The Pension Advice Allowance where you can withdraw up to £500 from a defined contribution pension tax free to be used taking advice from a regulated financial adviser can ...

> 9y5m

Pensions

Individual Protection v Fixed Protection 2016

Individual Protection v Fixed Protection 2016

Video Lifetime Allowance and the difference Individual Protection 2016 and Fixed Protection 2016. What should you apply for?...

> 9y5m

Pensions

Switch to Flexible Drawdown

Switch to Flexible Drawdown

Some pension companies will allow you to switch to a flexible drawdown pension scheme internally without advice others require you to take full pension advice....

> 9y6m

Pensions

Grandparent Child Care State Pension Credit

Grandparent Child Care State Pension Credit

1 in 4 families get help from relatives for child care. Grandparent, uncle, aunt or other relative given up work to take care of a relatives children? Eligibility for ...

> 9y8m

Pensions

Pension Divorce Lifetime Allowance

Pension Divorce Lifetime Allowance

Pension sharing on divorce and it affect on the Lifetime Allowance (LTA) including primary and enhanced protection, fixed protection and individual protection....

> 9y9m

Pensions

Benefit Crystallisation Event

Benefit Crystallisation Event

There are a number of Benefit Crystallisation Events (BCE) when you technically "cash in" some or all of your pension or reach a certain age or die that mean ...

> 9y9m

Pensions

Married Couple State Pension Top Up

Married Couple State Pension Top Up

Married Couples Addition or dependency addition for state pension. Married couples and civil partners who both reach state pension age before April 2016 were allowed state pension top-ups if ...

> 9y10m

Pensions

Pension Administrators Charging Fees

Pension Administrators Charging Fees

Some pension administrators are charging fees to supply information about pensions scheme that they run for companies to employees and advisers. Are they not already paid by the employer ...

> 9y11m

Pensions

Inheritance Tax Pension Transfer 2 Rule

Inheritance Tax Pension Transfer 2 Rule

Video looks at the risk of inheritance tax payable on a pension transfer if you die within 2 years. HMRC is tightening up on premature death following a transfer ...

> 10y

Pensions

Tax Charge When Exceed Lifetime Allowance

Tax Charge When Exceed Lifetime Allowance

Video explains how tax charges work when you exceed the pension lifetime allowance LTA, for both company pension schemes and private pensions....

> 10y

Pensions

Brexit Annuity Rates Effect

Brexit Annuity Rates Effect

Video explores how and when the Brexit vote could affect annuity rates if gilt yields rise if it becomes more costly for the UK government to borrow money. Will ...

> 10y3m

Pensions

Cannot Find Executive Pension Trustees

Cannot Find Executive Pension Trustees

Video explains what happens if you cannot trace or find the trustees of your executive pension plan (EPP)....

> 10y3m

Pensions

Income Security Annuity Drawdown Balance

Income Security Annuity Drawdown Balance

Video explores what balance to find with annuity income and drawdown when planning your retirement....

> 10y4m

Pensions

Is My Pension Expensive

Is My Pension Expensive

Video explains what to ask and what to look our for with pension charges to learn whether you are paying excessive charges....

> 10y4m

Pensions

When To Avoid Getting Promoted

When To Avoid Getting Promoted

Video looks at potential tax perils of getting promoted, should you take that promotion? How much will it cost you? Is promotion worth it?...

> 10y4m

Advice Tips

Armed Forces Personnel Spouse State Pension

Armed Forces Personnel Spouse State Pension

Video looks at the new arrangements for a spouse or civil partner of armed forces personnel receiving state pension credits when posted overseas backdated to 1975....

> 10y5m

Pensions

Pension Scheme Pays Annual Allowance Tax Charge

Pension Scheme Pays Annual Allowance Tax Charge

Video looks at how a pension scheme is allowed to pay an annual allowance tax charge under 'scheme pays' rules....

> 10y6m

Pensions

Pension Can Have A Mortgage to Buy Property

Pension Can Have A Mortgage to Buy Property

Video: Did you know your pension fund can have a mortgage in its own name to buy commercial property?...

> 10y6m

Property

Lose Benefits Pension Credit if Cash Pension

Lose Benefits Pension Credit if Cash Pension

Video explores how drawing pension in either annuity, lump sum or drawdown will reduce benefits and if you do not take your pension you may have benefits reduced with ...

> 10y6m

Pensions

Employer Pension Payment Over Lifetime Allowance

Employer Pension Payment Over Lifetime Allowance

Video explores the benefits of pension payments by employer over the Lifetime Allowance even with penalties and tax charges....

> 10y6m

Pensions

Lose Fixed Protection with Auto Enrolment

Lose Fixed Protection with Auto Enrolment

Video looks at the risk of losing fixed protection on the lifetime allowance with automatic enrolment in workplace pensions....

> 10y6m

Pensions

Pension Contributions When Annual Allowance Capped

Pension Contributions When Annual Allowance Capped

Apart from the usual tax charge here's an alternative way to pay pension contributions when your annual allowance has been capped or tapered....

> 10y6m

Pensions

How Do I Check My Investment Fund Make Up

How Do I Check My Investment Fund Make Up

Video shows you how to quickly find out what your pension or investment fund is actually invested and whether you have too much stock market risk without even knowing....

> 10y7m

Investment

Adjusted Income and Threshold Income

Adjusted Income and Threshold Income

Don't get tax smashed for paying too much in pensions. Video explores the Threshold Income test and Adjusted Income calculations for tapering pension annual allowance for higher earners start ...

> 10y7m

Pensions

Fixed Protection 2016 Individual Protection 2016

Fixed Protection 2016 Individual Protection 2016

Video explores using either fixed protection or individual protection for lifetime allowance cuts in April 2016. Do you have large pension funds or will yours grow to or above ...

> 10y7m

Pensions

Financial Advice Confirmation Letter

Financial Advice Confirmation Letter

Are you trying to transfer your pension to flexible but the pension company wants a Financial Advice Confirmation Letter? What are the costs? Why will a financial adviser not ...

> 10y7m

Pensions

Will Pension Lifetime Allowance Increase or Disappear

Will Pension Lifetime Allowance Increase or Disappear

Video explores speculation that the Pension Lifetime Allowance will Increase or could Disappear in Budget 2016 as part of pension tax relief changes and simplification....

> 10y7m

Pensions

Earmarking Order Flexible Pension Drawdown Problem

Earmarking Order Flexible Pension Drawdown Problem

Video - if you are divorced and have a pension earmarking order in place, you need to check if the new flexible pension drawdown rules may put you at risk....

> 10y7m

Pensions

Lifestyle Pension Fund Pros and Cons

Lifestyle Pension Fund Pros and Cons

Video - many pension schemes have a default 'automatic' switching lifestyle fund, where your pension is automatically move to lower risk at given ages or dates. This can be ...

> 10y7m

Pensions

Flat Rate Pension Tax Relief Forecast

Flat Rate Pension Tax Relief Forecast

In this video, we give a forecast as to the anticipated Flat Rate Pension Tax Relief that may be announced in the March 2016 Budget....

> 10y8m

Pensions

Pension Payment Before Budget 2016

Pension Payment Before Budget 2016

Videos explores the risks of delaying any pension contribution until after the budget 2016 for higher rate taxpayers. Should pay into pension before the Budget?...

> 10y8m

Pensions

Calculate How Much To Drawdown From Pension

Calculate How Much To Drawdown From Pension

Video shows you how to work out the how much to drawdown gross from your pension for a net amount of funds to be paid....

> 10y10m

Pensions

Hybrid Retirement Annuity Drawdown Pension

Hybrid Retirement Annuity Drawdown Pension

Video explores the development of a hybrid pension scheme that offers the security of guaranteed annuity income with an element of flexibility using part of the pension for flexible drawdown....

> 10y10m

Pensions

Cons of Flexible Pension Drawdown

Cons of Flexible Pension Drawdown

When should you not do Flexible Pension Drawdown. Videos offers some guidance on the risks, cons and flaws in flexible access drawdown....

> 10y11m

Pensions

Auto Enrolment Advice Small Business

Auto Enrolment Advice Small Business

Video looks at our auto enrolment service for small employers. Whether to use the scheme set up by government or to use our full advice service for a wider ...

> 10y11m

Business

Flexible Drawdown v Equity Release

Flexible Drawdown v Equity Release

Video explores the concept of not spending pension or flexible drawdown money but using equity release given that tax benefits on death for Pension Drawdown....

> 10y11m

Equity Release

Lasting Power of Attorney with Pension Flexible Drawdown

Lasting Power of Attorney with Pension Flexible Drawdown

Video explores the need to have a Lasting Power of Attorney in place if you have flexible pension drawdown. If you lose capacity who will give instructions to get ...

> 10y11m

Law, Wills, Attorneys

Pension Auto Enrolment Small Employer 2015 2016

Pension Auto Enrolment Small Employer 2015 2016

Video looks auto enrolment workplace pensions for Small Employers with staging dates 2015 and 2016 which pension companies to use....

> 11y

Business

Pension Flexible Drawdown Tax Explained

Pension Flexible Drawdown Tax Explained

Video explains how large lumps drawn down from a flexible pension after the tax free lump sum are taxed whether HMRC has issued a tax code or not and ...

> 11y

Pensions

110000 Threhsold Income Pension Annual Allowance

110000 Threhsold Income Pension Annual Allowance

Video explains how to work out £110,000 threshold income for annual allowance to avoid taper reduction of annual from £40,000 even if you pay in more than £40,000 to ...

> 11y

Pensions

Reduced Tapered Pension Annual Allowance 2016

Reduced Tapered Pension Annual Allowance 2016

Video explains how the maximum amount you can save each year in a pension for high earners starts to be reduced by a tapered reduction from 2016....

> 11y

Pensions

Double Pension Annual Allowance 80000

Double Pension Annual Allowance 80000

Video explains the merger of pension input periods with tax year pension annual allowance and how you could double to £80,000 the amount that can be invested in a ...

> 11y

Pensions

Tax Relief Personal Contributions to Company Pension

Tax Relief Personal Contributions to Company Pension

Video explains how the 'net pay' arrangement works for personal contributions from pay to a company pension and how tax relief is secured....

> 11y1m

Tax Planning

Tax Relief on a Personal Pension

Tax Relief on a Personal Pension

Video explains the simple way that tax relief is added to personal pensions at basic rate relief and any balance for a higher rate tax payer is refunded via ...

> 11y1m

Tax Planning

Carers Credit National Insurance for State Pension

Carers Credit National Insurance for State Pension

Video explains how the Carers Credit for National Insurance when looking to protect State Pension entitlement. Are you over 16 years old yet under State Pension Age and caring ...

> 11y1m

Care

Compounding Money Effect

Compounding Money Effect

Video explores our concept of "Pay 9" - pay off your mortgage in 9 years, get the same pension in 9 years that you would get after 25 years ...

> 11y1m

Advice Tips

Phasing in Retirement

Phasing in Retirement

Many people look at staggering their retirement this is known as phasing in the financial industry. Video explains how phasing can work in a practical, tax efficient sense when ...

> 11y1m

Pensions

Target Date Fund v Lifestyle Fund

Target Date Fund v Lifestyle Fund

Video explores the use of Target Date investment funds rather than Lifestyle investment funds when pension or investment planning....

> 11y1m

Investment

Can I Buy Company Shares With Pension SIPP

Can I Buy Company Shares With Pension SIPP

Video explains the rules for how to buy private limited company shares with either a company pension scheme e.g. SSAS or a private, personal pension plan such as a SIPP....

> 11y2m

Business

Retirement Annuity v Flexible Pension Drawdown

Retirement Annuity v Flexible Pension Drawdown

Video to debates pros and cons at retirement for annuity versus flexible pension drawdown....

> 11y2m

Pensions

Pre 1988 GMP Increases Stop

Pre 1988 GMP Increases Stop

Video explores contracted out of SERPS final salary pension schemes with GMP where inflation increases when pensions are paid and funded via small State Pensions increases will stop when ...

> 11y2m

Pensions

Pension Lifetime Allowance 2016

Pension Lifetime Allowance 2016

Video explores the cut in Pension Pension Lifetime Allowance in April 2016 from £1.25 to £1m and how you can use fixed protection 2016 and individual protection 2016....

> 11y2m

Pensions

Reduced Annual Allowance High Earner

Reduced Annual Allowance High Earner

Video explores impact of Summer Budget 2015 and reducing the pensions annual allowance if you are a high earner above £150,000 taxable income....

> 11y2m

Tax Planning

SSAS Small Self Administered Scheme

SSAS Small Self Administered Scheme

Video explains the basics for a director or senior employee's self invested pension scheme called a SSAS, a Small Self Administered Scheme....

> 11y3m

Business

Company Pension Types

Company Pension Types

Video explains the basic structure of the two types of company pension: defined benefit schemes and occupational money purchase schemes....

> 11y3m

Pensions

10000 Annual Allowance Defined Benefit Scheme

10000 Annual Allowance Defined Benefit Scheme

Video explores the reduced annual pension contribution allowance of £10,000 from £40,000 when using flexible pension drawdown and its impact on defined benefit and final salary pension schemes....

> 11y3m

Pensions

Flexible SIPP Hybrid

Flexible SIPP Hybrid

Video takes a look at why you should consider a flexible self invested personal pension SIPP hybrid rather than a full service to control your charges by only paying ...

> 11y3m

Pensions

Lifetsyle Pension Fund Switching

Lifetsyle Pension Fund Switching

Video explains the principle of lifestyle funds and automatic switching of risk profile between higher risk, medium risk and lower risk funds as you get closer to your retirement ...

> 11y3m

Pensions

Additional Voluntary Contribution Scheme AVC

Additional Voluntary Contribution Scheme AVC

Video explores the basics of freestanding additional voluntary contribution schemes FSAVC and company sponsored additional voluntary contribution schemes CSAVC when topping up company pensions....

> 11y3m

Pensions

How Do Pension Payments Increase

How Do Pension Payments Increase

Video explains how company pension payments increase for both normal pensions in payment increases and gmp guaranteed minimum pension in payment increases....

> 11y4m

Pensions

Alternative to Flexible Pension Drawdown

Alternative to Flexible Pension Drawdown

Video explores the alternative to flexible access pension drawdown if your pension does not offer it or your pension company will not do it without financial advice. This is ...

> 11y5m

Pensions

Life Expectancy Financial Planning

Life Expectancy Financial Planning

Video looks at the issues of taking life expectancy into account when looking at flexible pension drawdown planning and later life care fees planning. You need to be aware ...

> 11y5m

Pensions

Protect Annual Allowance with Small Pension Drawdown

Protect Annual Allowance with Small Pension Drawdown

Video explains how if you wish to have some access to flexible pension drawdown but still wish to keep the full pension annual allowance of £40,000 rather reducing to ...

> 11y5m

Advice Tips

Claim Back Tax Deducted From Pension

Claim Back Tax Deducted From Pension

Video looks at how pension drawdown is taxed at source and how you can claim back or reclaim overpaid tax from HMRC....

> 11y5m

Pensions

How Is Flexible Pension Drawdown Taxed

How Is Flexible Pension Drawdown Taxed

Video explains how flexible pension drawdown is taxed and at what levels of tax and what elements are tax free....

> 11y5m

Pensions

Pay No Tax Flexible Pension Drawdown

Pay No Tax Flexible Pension Drawdown

We show you how to reduce and avoid altogether income tax when drawing down pension funds under the new pension flexible access drawdown rules....

> 11y5m

Pensions

Flexible Pension Access Financial Advice

Flexible Pension Access Financial Advice

You may be surprised if you contact your pension company when they say you cannot access flexible pension drawdown without financial advice, we explain why....

> 11y5m

Pensions

State Pension Top Up 2015

State Pension Top Up 2015

Video explains state pension top ups via voluntary national insurance contributions for those who reached state pension age at or before April 2015....

> 11y5m

Pensions

Flexible Pension Drawdown 2015 Introduction

Flexible Pension Drawdown 2015 Introduction

Video offers a simple introduction to the most common questions asked for new flexible pension drawdown access rules that started 2015....

> 11y5m

Pensions

Auto-Enrolment Workplace Pension 2 to 50 Employees

Auto-Enrolment Workplace Pension 2 to 50 Employees

Video and article explains workplace pension auto enrolment staging dates rules 2015, 2016 and 2017, as well as minimum payments for employee and employer, if you already have a ...

> 11y7m

Pensions

Auto Enrolment Pension Single Director Company

Auto Enrolment Pension Single Director Company

Video explains what one director, single employee companies must do to comply with auto-enrolment, work place pensions.Transcript: Auto Enrolment Pension Single Director Company“Hello there. Auto enrolment pensions for very ...

> 11y7m

Business

Is Paying Financial Adviser From Pension Taxable

Is Paying Financial Adviser From Pension Taxable

Video answer: Is paying financial adviser directly from my pension fund or investment taxable to me? Will I pay income tax when adviser fee paid from policy charges? Transcript: Is ...

> 11y7m

Pensions

Pension Saves Inheritance Tax

Pension Saves Inheritance Tax

Video looks at how pensions can be an excellent inheritance tax planning and may be now one of your main tools to reduce inheritance tax.Transcript:“Hello there. Pensions as an ...

> 11y7m

Pensions

Cash in Annuity

Cash in Annuity

Video looks at the consultation to allow people to cash in their pension annuity which may become law soon.Transcript:“Hello there. An introduction to a subject for you: cashing in ...

> 11y7m

Pensions

Find Lost Pension

Find Lost Pension

Video looks at older pensions that you have lost touch with if you have moved, changed name or the pension has moved, changed its name etc. and how to ...

> 11y7m

Pensions

10 Reasons to Pay Into A Pension

10 Reasons to Pay Into A Pension

Video offers 10 simple reasons as to why you should save and invest money in a pension scheme for the various tax relief benefits and other reasons that you ...

> 11y8m

Advice Tips

Voluntary National Insurance Contributions

Voluntary National Insurance Contributions

Video explores Voluntary National Insurance Contributions if you have a shortfall due to not working or working or living overseas as an expat. To protect and make up any ...

> 11y8m

Pensions

Retirement Cash Flow Model

Retirement Cash Flow Model

Video explores the concept of planning for retirement and later life using cash flow models and cash flow modelling techniques to ensure you have enough money to see you ...

> 11y9m

Advice Tips

Buy to Let v Flexible Pension Drawdown

Buy to Let v Flexible Pension Drawdown

Video explores the tax differences between a flexible pension and a buy to let investment property and whether you should release tax free lump sums and income to buy ...

> 11y9m

Property

Autumn Statement Tax Free Annuity on Death

Autumn Statement Tax Free Annuity on Death

Video explains Chancellor George Osborne’s Autumn Statement December 2014 and paying a tax free pension annuity to spouse on death before age 75....

> 11y10m

Politics & Economy

What To Do When Retiring Soon

What To Do When Retiring Soon

Video offers action tips if you are retiring soon for state pension, winter fuel, tax codes and dealing with HMRC and DWP.Transcript:“Hello there, so you're about to retire. What ...

> 11y10m

Advice Tips

Pension Annuity v Flexible Drawdown 2015

Pension Annuity v Flexible Drawdown 2015

Video compares buying an annuity with your pension against the new pension flexible drawdown rules April 2015. Low risk or high risk? Think about your retirement options.Transcript:“Hello again, wooo! ...

> 11y10m

Pensions

Increase State Pension up to 25 pounds pw

Increase State Pension up to 25 pounds pw

Video explains the projected costs for increasing your state pension by up to £25 per week between April 2014 and April 2016 for those that reach or have already ...

> 11y11m

Pensions

Salary Sacrifice Pension Advantages Disadvantages

Salary Sacrifice Pension Advantages Disadvantages

Video explains the advantages and disadvantages of salary sacrifice in connection with pension contributions.Transcript:“Hello there. The subject for this video is salary sacrifice. What is salary sacrifice?Firstly let me ...

> 11y11m

Pensions

Qualifying Recognised Overseas Pension Scheme QROPS

Qualifying Recognised Overseas Pension Scheme QROPS

Video explains the basics of international pension transfers from a UK pension to an overseas QROPS Qualifying Recognised Overseas Pension Scheme.Transcript:“Hello again. Subject for the video today is QROPS. ...

> 11y11m

Pensions

Use Pension As A Bank Account

Use Pension As A Bank Account

Video explains how to use your flexible pension drawdown just like a bank account with part tax free 'income' and part taxable income.Transcript:“Hello there, today's date is 14 October. ...

> 11y11m

Pensions

Purchased Life Annuity

Purchased Life Annuity

Video explains the alternative investment for income and the tax advantages of a purchased life annuity that are available from specialist insurers.Transcript“Hello again, today my video topic is purchased ...

> 11y11m

Investment

Financial Advice v Pension Guidance

Financial Advice v Pension Guidance

Video explains financial advice versus financial and pension guidance, following the Budget 2014 where Government confirmed it would arrange for free pension guidance. We explain the difference between advice ...

> 12y

Advice Tips

Collective Defined Contribution CDC Pension

Collective Defined Contribution CDC Pension

Video explains Government's proposed Collective Defined Contribution CDC Pension which are based upon Dutch pensions and a half way house between final salary schemes and investment/money purchase linked pensions.Transcript"Hello ...

> 12y

Pensions

Transfer Window for Higher Protected Pension Lump Sums

Transfer Window for Higher Protected Pension Lump Sums

Video explains the window that is open before April 2015 to transfer pensions with a protected higher tax free cash lump sum to a new pension.Transcript"Hey there, subject for ...

> 12y

Pensions

10000 Annual Pension Allowance Flexible Drawdown

10000 Annual Pension Allowance Flexible Drawdown

Video explains the different annual pension contribution allowances for those with Capped and Flexible Drawdown before and after April 2015...

> 12y

Pensions

Change to Pension Credit Ages

Change to Pension Credit Ages

Video explains the impact of the changes to state pensions and how this affects pension credit and ages when you can receive pension credit help...

> 12y

Pensions

GMP Underpin Company Pension

GMP Underpin Company Pension

Video explains the basics of an investment linked company pension plan with Guaranteed Minimum Pension GMP underpin...

> 12y1m

Pensions

AVC Tax Free Cash Augmentation

AVC Tax Free Cash Augmentation

Video explains the benefits of using AVC's for tax free cash to leave more in the main pension scheme for higher income...

> 12y1m

Pensions

Pension Tax Relief University Fees

Pension Tax Relief University Fees

Video explains the idea of paying into pensions, get tax relief, use flexible drawdown to pay university fees...

> 12y1m

Advice Tips

Company Life Insurance and Lifetime Allowance

Company Life Insurance and Lifetime Allowance

Video explains the impact of death in service cover life insurance on the lifetime allowance. Some schemes can create a huge tax charge on your early death....

> 12y1m

Pensions

Pension Annuity Flexible Proposals 2014

Pension Annuity Flexible Proposals 2014

Video news giving details of proposals to make pension annuity more flexible by relaxing 3 rules...

> 12y2m

Pensions

Early Retirement Age Change 55 to 57

Early Retirement Age Change 55 to 57

Video news on the proposal that Government are consulting on a change to early retirement age from 55 to 57...

> 12y2m

Pensions

High Income How To Get Personal Allowance Back

High Income How To Get Personal Allowance Back

This video will explain how to get your personal allowance back if you have high earner income and have lost it...

> 12y2m

Pensions

Teachers Pension Spouse Benefit Shortfall

Teachers Pension Spouse Benefit Shortfall

A short video focusing on the Teachers pension scheme and a shortfall in spouse benefits if you were a teacher in the 70's and 80's...

> 12y4m

Pensions

2014 Lifetime Allowance Protection

2014 Lifetime Allowance Protection

The current lifetime allowance is £1.5m, in April 2014 this will fall to £1.25m.There are ways to protect yourself.Fixed protection – Use if you are already at or above ...

> 12y8m

Pensions

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Cost of Living & Covid

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Expat and Offshore

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Green Inv ESG SRI

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Law, Wills, Attorneys

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