The Crucial Trustee

That implies a basic price taxpayer paying ₤ 1,000 of their income into their pension pot would in fact pay ₤ 800. The added ₤ 200 is the money the treasury would certainly or else have taken in income tax. Similarly, greater rate taxpayers would pay ₤ 600 as well as added price taxpayers ₤ 550 for ₤ 1,000 in their pension pot.

Given that we're not controlled by the Financial Conduct Authority, we're not authorised to offer you this type of guidance. Where we provide companies or items a customer experience rating or a product rating, these are assembled against objective criteria, making use of information which has been accumulated by our partnerFairer Financing. In some cases, we may provide web links where you may, if you choose, acquire a product from a regulated company with whom we have a business relationship. If you do buy a product using a link, we will certainly obtain a repayment. This will assist us to support the content of this website as well as to continue to purchase our prize-winning journalism. A ready-made personal pension is one of the most basic ways of saving for your retirement. In many cases, all you need to do is choose how much danger you want to take and how much you intend to conserve each month.

Best Personal Pension Providers 2021

You can also include round figure to your pension pots as and when you choose. The UK federal government encourages workers to save for retired life by supplying pension tax relief. trusted-pensions.co.uk: pensions cambridge serves as a benefit, as money you would otherwise have paid in tax obligation on your incomes goes into your pension pot instead. If you join among these workplace pension plans, you'll obtain a payment when you retire. The quantity you get with these pension is based upon just how much you paid in and the length of time you paid in for.

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" width="401px" alt="Do pensions last for life?"/>

It's also influenced by how much profit the company's investments have made. With these, you pick where you spend, so it's a kind of 'Do It Yourself' technique. There's a bigger listing of funds to pick from than there are with a personal pension. See to it you click via to inspect each business's website before spending. All pension carriers will have their very own set of charges for taking care of a pension fund. The pension companies we've provided allow you invest in pension funds, and offer you versatility to manage them till your retired life. You'll need some knowledge of spending if you intend to compare adjustable revenue investments or you can ask a monetary advisor to help you.

Calculators And Also Tools To Help You Plan.

You do not have to select a pension option, e.g. a guaranteed earnings from your existing pension supplier. A one-off cost of 1.95% is just payable to Profile Pensions if you determine to approve the pension investment recommendation as well as transfer your pension. If you remain in doubt regarding the viability of an investment, please get in touch with among Account Pensions' consultants. Dominating tax rates as well as alleviations are dependent on your private circumstances as well as are subject to change. If you have actually picked up a couple of workplace pensions or private pensions over the years there's a likelihood one of your pots isn't in an appropriate financial investment, which could limit your pension growth.

Additionally, there are no added costs for moving to one more pension company. The tax relief you earn amounts your highest rate of earnings tax.

Find Out About Pensions

This is then invested, for instance in supplies and also shares, to offer you an income when you retire. Fidelity's SIPPis an affordable variation that bills a combination of percent as well as flat-rate yearly service fees depending upon your financial investments. Pension systems, particularly the more recent ones, often allow you choose the specific funds you want to purchase. It's typically far better to have the choice, as well as deal with your IFA to pick the right funds as well as financial investments for you. Look at the minimum as well as maximum levels of payments allowed. You'll require to ensure you can manage the minimum payment, however also have the choice of investing even more to increase your pension pot.

• State the rate is 1/60th, you obtain 1/60th of your final wage as a retired life earnings for each and every year you worked for that company.
• If you're utilized (aged 22-plus and making a minimum of ₤ 10,000 a year), you'll be auto-enrolled into a pension to which your company need to add a minimum of 3% of your salary.
• From 6 April 2019, the minimal company payment level increased to 3%.
• So if you helped three decades, you would certainly obtain 30/60ths, or half your last salary with that said firm.
• It's where you quit a few of your monthly revenues as well as your employer places it in the direction of another thing - in this case, pension payments.
• The initial distinction is whether the pension is a last salary or a money purchase pension.

A personal pension is when you designate a pension company as well as they pick the funds you buy. Pension liberty guidelines introduced in 2015 provided individuals much greater flexibility and also selection over just how and also when they access their pensions. With a personal pension you make normal payments into your pension fund.

How Pensions Function

A personal pension is when you appoint a pension business and they select the funds you purchase. A workplace pension will certainly usually take the kind of a personal pension.

Ask if you're enabled to pay in round figure along with normal contributions, to ensure that you can invest added cost savings if you wish to. If you're establishing a personal pension, or you run a business as well as want to establish a workplace pension for your workers, after that a crucial concern is which pension service provider to use. This is a concern for which independent recommendations is important, so the brief answer is, 'Ask an economic advisor'. However, it's very beneficial to know the elements involved in picking a pension firm, so you can function much more very closely with your independent financial adviser to make the appropriate option for you. Times Cash Mentor has been developed by The Times and The Sunday Times with the purpose of equipping our visitors to make better monetary decisions for themselves. We do this by giving you the tools and info you require to comprehend the options available. We do not make, nor do we seek to make, any kind of referrals in regard to regulated activities.

What pensions carlisle Do I Get?