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Investment Sense View

A pension isn’t the only way to get tax-relief; what’s the other option?

A pension isn’t the only way to get tax-relief; what’s the other option?One of the main attractions of putting money into a pension is the tax-relief that you receive. If a basic rate taxpayer pays £80 into a pension, this is immediately ‘topped up’ by the ...

SIPPs: Hargreaves Lansdown alters SIPP deposit rates, how do they compare?

Hargreaves Lansdown alters SIPP deposit rates, how do they compare?One of the UK’s largest SIPP (Self-Invested Personal Pension) providers has tweaked the rates they pay on cash held by pension savers. Hargreaves Lansdown has recently announced a change in the trusteeship of their SIPP, from Hargreaves ...

5 things we’ve learnt in the first week of Pensions Freedom

5 things we've learnt about pension freedoms in the first weekAfter just a year of ‘development’, the first few days of Pensions Freedom were always going to be interesting. Some people were predicting ‘pension Armageddon’ with thousands rushing to cash in their pension, whilst others thought ...

Retirement: 8 questions to answer before you cash in your pension

8 questions to answer before you cash in your pensionFrom the 6th April the new Pensions Freedom rules, will allow anyone over the age of 55 to cash-in their entire pension pot and spend the money as they like. When the new rules were announced last ...

Investment Sense News

Savings: Change to compensation limits mean larger sums will soon be protected

FSCSChanges to the Financial Services Compensation Scheme (FSCS), will soon mean savers with large amounts of Cash held on deposit for a short period will receive a greater level of protection. Savers are currently protected up to £85,000 per person, per institution, should a bank or ...

Retirement: Which part of the UK saves most into their pension?

Which part of the UK saves most into their pension?A new survey has revealed which parts of the UK save the most into their pension. Based on the results of a YouGov survey of 18,000 people, Friends Life has created the UK Retirement Savings Map, which ...

Retirement: Compensation limits increased for Annuities

Compensation limits increased for AnnuitiesIn a week dominated by Pensions Freedom, you can be forgiven for missing the news that the compensation payable if your Annuity provider goes bust has been increased. Currently, the Financial Services Compensation Scheme (FSCS) treats an Annuity as an insurance contract ...

Retirement: Pensions Wise opens for business, but what does it actually do?

Pensions Wise opens for business, but what does it actually do?Budget speeches rarely live long in the memory, but George Osborne’s 2014 Budget revolutionised retirement, giving savers greater access to their pension pot, whilst introducing a new concept: ‘guidance’. In his speech Mr Osborne said that ...