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How To Avoid Being A Poverty-Stricken Pensioner

If you’re on a defined-benefits (“final-salary”) pension, then you’re probably either already drawing it or in the public sector. For most people, defined-contributions (money purchase) pensions are the only option available now. That means the onus is on you to...

Are you approaching retirement?

If you are nearing retirement, you may have been particularly worried about the impact of recent market volatility on your pension assets and perhaps you are reassessing your retirement plans. There are several things to consider if you are planning to retire, which...

How Personal Pensions Work

The basic idea behind personal pensions is fairly simply.  You pay in money throughout your working life.  This is invested by your pension provider (or by you directly in the case of self-invested personal pensions) and when you retire the investment returns are used...

Pension for Directors

Company directors do not necessarily make all, or even most, of their income through a regular salary in the same way that many employees do.  Their remuneration is likely to be closely tied to the company’s profits and thus may vary from year to year.  What’s more,...