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  • Pension income planning
    ———— The future of pension income planning – not just final salary schemes! Upon hearing the liberations in pension legislation – mainly the flexibility over taking pension income, the financial press were fast to announce the end to lifetime pension annuities, but surely they do still have a place in the market? Many clients are now looking to transfer their final salary plans in order to take advantage of private …

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Home / Monthly Archives: December 2012

Over 5000 inquiries to the Pensions Regulator as NEST causes confusion

If you are confused over the new compulsory United Kingdom workplace pension schemes (National Employment Savings Trust; NEST), you are not alone. More than 5,000 inquiries have been made to the Pensions Regulator in the past five months about NEST and there was a 50 per cent increase in October 2012, when the rules came into force for large companies. Pincent Masons, who published the data, said that calls were …

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Paul Temperton – The long and short of it seminar 15th January

Guardian Wealth Management would like to invite you to an evening with Paul Temperton, one of the world’s most influential financial speakers. Having worked for the Bank of England as a leading Economist Paul is now Vice President of European Economic Fixed Income Research for Merrill Lynch and a prolific author of many bestselling books. With interest rates so low and uncertainty remaining around the future of the euro, how …

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Are women relying upon their partners for pensions income?

Despite the great social changes over the past century of women’s role in society, one area that seems to not have kept pace with these changes is that of retirement savings. It is a paradox, that while many women have gained equality in virtually every area of life and society, many have neglected to plan for their own retirement, often stating that they will rely on their husband’s retirement provision …

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Gibraltar QROPS beginning to blossom

Gibraltar QROPS are beginning to blossom following HMRC’s decision to allow QROP providers to do business again. Initially HMRC claimed that the Gibraltar 0% income tax rate on pension payments was nothing more than a concession to appease and meet compliance regulations. After numerous attempts by the industry the government finally agreed to amend the state’s tax legislation to meet QROPS rules. This has allowed QROPS providers to lift their …

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Are you ‘sleepwalking’ into old age?

A new report, from the Institute for Fiscal Studies (IFS), claims a quarter of the over 50’s could be ‘sleepwalking their pensions’ into old age. Nearly 60% said they had not thought about the number of years of retirement that they might need to finance. Many were over-optimistic in estimating their projected retirement income. In reality most pension provisions were found to be inadequate compared to individuals expectations. The National …

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