Theres another fine mess QE has got us into
11 October 2011
Quantitative Easing is meant to boost growth by increasing investors' risk appetite?

Pensions Deficit Tops £300 Billion for FTSE 100 Companies
More than £300 billion is needed by pension scheme trustees of FTSE 100 companies to plug deficits in their schemes more than double the estimated aggregate deficit of £130 billion at the start of the year, according to new estimates.

State Pension Payment Alert   
About a quarter of a million people who make voluntary National Insurance contributions (NICs) each year should think again, the government has said.
 
Final Salary Pension Cuts   
A large pension consultancy firm – Aon recently announced that it plans to cut its contributions to its workers' pensions. 

 

Annuities
 

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More Annuity Information

You’ve taken advice, made regular contributions into a pension policy and are beginning to think about retirement. You may think that you will start to receive your pension income automatically when you reach the retirement date that you chose when you started the policy, but that’s not the case. The pension policy that you have paid into over the years is effectively just a “pot” of money called a Pension Fund. For most types of pension by the time you get to 75 you usually have to use this Fund to buy a financial product to provide you with a regular income. The good news is that depending upon your individual circumstances a number of options may be open to you.

By far the most popular choice ( mainly because people receive a retirement quotation from their Pension Provider and simply return the forms) is a conventional annuity or to keep it simple, just an annuity. This simply is the mechanism whereby in exchange for your Pension Fund and allowing for any tax free cash sum to be paid to you, your remaining Fund will be used to buy you a guaranteed, regular income for the rest of your life.

Numerous factors affect the level of income that will be provided including your age, your gender, your health, whether you want your income to increase each year, whether you want to provide a dependant’s pension in the event of your death and your lifestyle – in this instance it doesn’t pay to be healthy!

The important thing to know here is that everyone has the right to shop around with their Pension Fund and try to increase the guaranteed income that they are being offered in exchange.

Choosing an annuity is one of the biggest financial decisions you will ever make. What’s more, you normally only get one chance to get it right. Once you’ve made your choice, you’ll literally have to live with it for the rest of your life, so it's important to take your time and to choose both the annuity that is right for you and once you know how you want your annuity to be set up, finding the highest annuity rate available at the time.

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Pension Zone 3 Station Road, Borough Green, Sevenoaks, Kent, TN15 8ER     Telephone. 0800 294 2300   Fax. 01732 881213    Email. dmcclure@aaltd.co.uk,mikehardyifa@gmail.com,mhardy@aaltd.co.uk
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