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Pensions
Top Stories
May 25
The IC guide to pensions 2023
Everything you need to know about building and spending your retirement pot
October 25
Pension calculator – is your pension on track?
How much might your pension pay out? Find out with our free online pension calculator
May 25
How to build the perfect pension portfolio
Our rules of thumb to help your plan stand the test of time
May 25
Five rules to follow when drawing your pension
Demystifying what you do with your Sipp when you retire
March 21
How to avoid triggering the money purchase annual allowance
The money purchase annual allowance can severely constrain your retirement saving
January 26
Three rules to help you plan for retirement
There are a few ways to get an idea of how much income you will need in retirement
Company Pensions
December 27
How to create your own pensions dashboard
Keep a record of all your retirement assets so you can plan to achieve the income you want
October 18
Life insurers benefit from a sense of mortality
We are living less long than our grandparents and the impact on life insurers will be profound
June 05
Are share buybacks really worth it?
Buybacks have tripled in value since 2012 – but not everyone’s happy
April 25
Turbocharge your pension with this loophole
Your employer may be able to help you circumvent annual allowance limits
Explore Company Pensions
Investing your Pension
May 03
'Can we retire at 55 with a £150,000 income?'
Portfolio Clinic: With a combined income of more than £300,000, this couple can save and spend a lot. But once the income dries up, will their savings be enough?
April 16
What next for the pension lifetime allowance?
With legislation on the LTA's abolition still incomplete and a new government on the horizon, it’s very hard for pensioners to make plans
March 15
'I’ve lost my confidence – how do I invest my £2.5mn in cash?'
Portfolio Clinic: Our reader has a lot of cash but is paralysed by indecision. Where should he start? Val Cipriani lends a hand
March 08
'I'm 21 and have £11,000 – can I retire in 20 years?'
Portfolio Clinic: Our reader is a keen investor at a young age, but wonders if he's on the right track to meet his ambitious aims. Dave Baxter takes a look
March 01
‘We’re in our 50s – can we invest and live off our £2.5mn portfolio?’
Portfolio Clinic: Our readers have a large portfolio but want to make sure their strategy can make it last 40 years. Val Cipriani looks at the options
February 23
‘I’m adding £60,000 a year to my pension – where should I invest?’
Portfolio Clinic: Our reader has ambitious plans to retire early, buy a new home and set up his young family for life. But will his investments get him over the line? Taha Lokhandwala takes a look
Explore Investing your Pension
Pensions and Tax
April 16
What next for the pension lifetime allowance?
With legislation on the LTA's abolition still incomplete and a new government on the horizon, it’s very hard for pensioners to make plans
January 09
Top tips for your 2024 self-assessment tax return
As the deadline looms, make sure you declare all you need to while lowering your bill where you can
October 25
Pension calculator – is your pension on track?
How much might your pension pay out? Find out with our free online pension calculator
September 26
Why you shouldn't load up your pension to avoid inheritance tax
Annual limits and lack of drawdown options mean other routes should be considered
August 11
'How do I use a £500k pension to buy a bigger home?'
Portfolio Clinic: Our reader wants to retire early and use his pension to upsize. But does he have enough?
July 20
Inherited pensions could be taxed under new proposals
HMRC suggests charging inheritors income tax even if their benefactor dies before 75
Explore Pensions and Tax
Sipps
May 09
How to manage two generations being retired at the same time
If you and your parents are both relying on pensions, consider your family’s overall exposure to market downturns
April 02
How your Isa and pension provider treats your cash
Not all pay interest on uninvested cash, something the regulator is trying to change
January 04
What's the catch with the abolition of the pensions lifetime allowance?
The lifetime allowance is officially being abolished – but not all the complications are
November 08
Equals offers opportunity for 50% upside
This Aim-traded fintech payments group is firmly in play and could offer strong upside in the event of a bid materialising
November 06
Profit from the oil price recovery
The world’s leading operator of self-propelled self-elevating support vessels for the energy sector is in a strong earnings cycle, and one that is yet to be fully priced in
May 31
How to find the right pension – and how much you should pay
Keeping costs low is crucial, but don’t forget about investment choice and quality of service
Explore Sipps
State Pensions
April 14
'I want to retire – how do I sort out my £1.6m portfolio?'
Portfolio Clinic: Our reader has a high cash allocation but wants a tax-efficient £40,000 income
January 27
How the state pension fits into your retirement plans
It’s important to factor in retiring early, taxes and whether or not to defer your benefit
January 24
How much the UK state pension will pay you
In a tiered and complex system it’s vital you know exactly what you’ll receive each week
January 16
'How much tax will I pay on my state pension lump sum?'
Those who reached state pension age before 2016 can claim a lump sum, but this comes with different tax rules
December 08
Why you might be owed £8,900 in state pension money
Over 200,000 pensioners may be not getting as much state pension as they are owed
December 08
How deferring can bump up your state pension
Delaying your state pension increases it but it can take a long time to recoup what you deferred
Explore State Pensions
Taking your Pension
August 04
'I need 4% a year from my pension – what do I do?'
Portfolio Clinic: Our reader's investments are spread all over, but she now needs a manageable and stable income plan
April 21
Labour fears hold investors back from using new pension rules
Savers not confident new pensions lifetime allowance rules will come to fruition
April 14
'I want to retire – how do I sort out my £1.6m portfolio?'
Portfolio Clinic: Our reader has a high cash allocation but wants a tax-efficient £40,000 income
March 21
How to avoid triggering the money purchase annual allowance
The money purchase annual allowance can severely constrain your retirement saving
Explore Taking your Pension