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There are 11 million members of Final Salary pensions (we’ll use that term for simplicity) in the UK. These schemes provide a guaranteed income, which is usually protected against the ravages of inflation. Consequently, it was normal in years gone by, to leave them in place, indeed, in the vast majority of cases that is still the best thing to do as transferring to an alternative arrangement means losing the guaranteed, inflation-proofed, income.
However, the introduction ...
There are 11 million members of Final Salary pensions (we’ll use that term for simplicity) in the UK. These schemes provide a guaranteed income, which is usually protected against the ravages of inflation. Consequently, it was normal in years gone by, to leave them in place, indeed, in the vast majority of cases that is still the best thing to do as transferring to an alternative arrangement means losing the guaranteed, inflation-proofed, income.
However, the introduction ...
July 12th, 2017
Final salary pensions have been big news over the past few months.
The personal finance press has been awash with articles suggesting members should consider transferring their final salary pension. At the same time, unfortunate members of the BHS and Bernard Matthews pension schemes, will be worried about how their retirement is to be affected by recent events.
We regularly advise member of final salary pensions and are becoming increasingly concerned about a potential pitfall we have rarely seen highlighted in the ...
January 9th, 2017
If you are a member of a Final Salary pension scheme you have probably been the envy of your friends for the past few years.
Whilst you have the knowledge that your pension is guaranteed, and will probably rise each year in line with inflation, they have had to put up with volatile stock markets and plummeting Annuity rates.
But this year the tables have turned, ‘Pensions Freedom’ will give everyone greater access to their pension pot; except of course those ...
October 23rd, 2014
Buy to let investing has boomed over the past few years, indeed research from Knight Frank shows that more than 10 million people now live in private rented accommodation.
At the same time the pensions landscape has changed; returns are lower, many ‘gold plated’ Final Salary pensions have closed and the State Pension age is rising.
So, as more people look to improve their retirement incomes, how does buy to let investing stack up against a pension? What at the ...
February 5th, 2014
