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How To Keep Your Pension Pot Safe

If you’re in employment, saving into a pension can be a lot like paying tax.  The money comes out of your paycheque before it reaches you.  You don’t have to do anything.  In principle, you don’t even have to think about it.  In practice, however, you should think...

How Will Millennials Fund Retirement?

National Insurance contributions do not pay for your state pension.  They are simply contributions to government coffers to be spent as the government sees fit.  Under current rules, those contributions do entitle you to a state pension (eventually).  Those rules can,...

Retirement For The Self-Employed

Time famously waits for nobody.  Growing up may be optional but growing old is a reality.  This means that everybody has to plan for it.  If you’re a paid employee, the chances are that your retirement arrangements will be linked to your job.  If, however, you’re...

When Can You Retire?

Over recent years, the state pension has made the headlines fairly regularly. One of the reasons for this is the increase in state pension age. Now, the government is proposing to increase the age at which people can access private pensions. Depending on your...

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...