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32 results for “pensions”

• ARTICLE

  How to Plan Your Income in Retirement: Pensions, ISAs, and State Pension

  Retirement income planning isn't a single calculation — it's the coordination of several different income sources, each with different tax treatment, different access rules, and different flexibility.

  
• ARTICLE

  How to Consolidate Old Pensions You’ve Lost Track Of

  Find lost pensions using the government's free Pension Tracing Service (gov.uk/find-pension-contact-details) — search by former employer name. Contact each provider for current transfer values.

  
• ARTICLE

  Court Ruling on Pensions: Impact on Retirement Planning for UK Savers

  The court ruling on pensions came after several legal challenges from pension providers and savers dissatisfied with the requirement for savers to seek independent financial advice before transferring their pensions.

  
• ARTICLE

  Retiring Early: What You Need to Plan For

  Retiring earlier than the traditional state pension age is an increasingly common goal, whether inspired by the FIRE (Financial Independence, Retire Early) movement or simply a personal desire for more…

  
• ARTICLE

  How to Track Down Old Pension Pots

  Changing jobs several times throughout a career is entirely normal, but it often leaves a trail of workplace pensions scattered across former employers, some genuinely forgotten over the years. With…

  
• ARTICLE

  How to Claim Tax Relief You’re Entitled To

  A genuinely significant amount of tax relief goes unclaimed each year in the UK, simply because many taxpayers aren't aware they're entitled to it, or don't know the specific process…

  
• ARTICLE

  How Pension Tax Relief Actually Works

  Pension tax relief is one of the more genuinely valuable, yet often misunderstood, benefits of saving into a UK pension. Effectively, the government adds back the tax you would have…

  
• ARTICLE

  How Capital Gains Tax Works for Everyday People

  Capital Gains Tax has something of an image problem, often assumed to be a concern only for the genuinely wealthy with substantial investment portfolios. In reality, more ordinary people encounter…

  
• ARTICLE

  SIPP vs Workplace Pension: Which Is Better?

  Both SIPPs (Self-Invested Personal Pensions) and workplace pensions offer valuable tax relief on contributions, yet they serve genuinely different purposes and suit different circumstances. Understanding these differences

  
• ARTICLE

  How Much Should You Save for Retirement?

  There's no single figure that applies to everyone when it comes to retirement savings, despite how often headlines suggest a specific magic number. How much you genuinely need depends on…

  
• ARTICLE

  Beginner’s Guide to Stocks and Shares ISAs in the UK

  The term stocks and shares ISA more than once — usually alongside words like "tax-free" and "long-term growth." And then, quite reasonably, you've probably wondered

  
• ARTICLE

  What the Interest Rate Hold Means for UK Retirees and Pension Savers

  What the interest rate hold means for UK retirees and pension savers is actually one of the more practically important questions in personal finance right now

  
• ARTICLE

  Pension vs ISA: Which Is the Better Way to Save for Retirement in the UK?

  The honest answer to pension vs ISA for retirement saving in the UK is that, for the large majority of people, the two aren't really competing products at all

  
• ARTICLE

  Private School Tax (VAT): What Every Parent Must Know

  If you’ve got a child in private education — or you’ve been considering it — the private school tax that came into force on 1 January 2025 has almost certainly…

  
• ARTICLE

  State Pension 2026: How Much Will You Get and Is It Enough?

  If you've seen headlines about the state pension 2026 increase and wondered what it actually means for you — how much you'll get, whether you even qualify for the full…

  
• ARTICLE

  UK Budget 2026 Tax Changes: What They Mean for Your Take-Home Pay

  The headlines from a Budget tend to focus on the big, dramatic announcements — the new taxes, the rate changes, the things that sound newsworthy in a 30-second clip. But…

  
• ARTICLE

  How to Invest in a Volatile Market: Tips for UK Investors in 2026

  Successfully invest in a volatile market in 2026 isn't really about finding clever new strategies or correctly predicting where the FTSE 100 or S&P 500 go next — it's mostly…

  
• ARTICLE

  How Much Should You Be Investing Each Month on an Average UK Salary?

  If you want a single number to walk away with: 10–15% of your take-home pay is a sensible long-term target for most people on an average UK salary, once a…

  
• ARTICLE

  What Is Drawdown and How Is It Different From an Annuity?

  The drawdown vs annuity decision is one of the most consequential financial choices anyone makes, and unlike most financial decisions, it's largely irreversible.

  
• ARTICLE

  What Is the Lifetime Allowance and Does It Affect You?

  The Lifetime Allowance was one of the most complex and controversial features of UK pension tax law for over two decades. Its abolition in April 2024 was broadly welcomed —…

  
• ARTICLE

  What Is a Defined Contribution Pension and How Does It Work?

  Most workplace pensions set up since the mid-1990s are defined contribution pensions. Understanding how the pot builds up, how investment decisions affect it, and how you eventually access it is…

  
• ARTICLE

  How Much Should You Save for Retirement and When Should You Start?

  Retirement saving is the financial goal with the longest time horizon and the most power from compounding — which makes starting early one of the highest-impact financial decisions anyone can…

  
• ARTICLE

  How to Claim Back Overpaid Tax From HMRC

  Overpaid tax is more common than most people realise — and HMRC is legally obligated to return it to you. Here's when overpayment occurs and how to recover what you're…

  
• ARTICLE

  How to Reduce Your Tax Bill Legally in the UK

  There's a meaningful distinction between tax avoidance and tax evasion — one is legal and sensible, the other is criminal. Using allowances and reliefs that Parliament has specifically designed for…

  
• ARTICLE

  What Is Pound-Cost Averaging and Why Do People Use It?

  Pound-cost averaging sounds like an investment strategy requiring complex implementation. In practice, it's simply what happens when you invest a fixed monthly amount — whether from your salary

  
• ARTICLE

  UK Government’s Proposed Pension Reforms: What You Need to Know

  Pension reforms are a hot topic in the UK, as the government has recently proposed significant changes to the country's pension system. The proposed reforms aim to make pensions more…

  
• ARTICLE

  Maximise Your Retirement Savings: How to Choose the Best Workplace Pension Scheme

  This decision can have a massive impact on your financial security and the quality of your life after retirement. But how do you pick the best scheme? In this article,…

  
• ARTICLE

  Retiring Abroad: The Key Financial and Practical Considerations for UK Retirees

  Explore the key financial and practical considerations for UK retirees looking to retire abroad. Find out how to ensure a comfortable and stress-free retirement.

  
• ARTICLE

  Budgeting for Retirement

  It's possible that calculating the amount of money you'll need after retirement will be a challenge for you. We've put together a few suggestions for you if you're approaching retirement…

  
• ARTICLE

  Understanding Pension Schemes: What You Need to Know for a Secure Retirement

  Discover the different types of UK pension schemes and understand what you need to know for a secure retirement. Learn about State Pension, Personal Pension, Company Pension, SIPP and more.

  
• ARTICLE

  SIPP vs ISA: Which Should You Use?

  Tax relief, access rules and flexibility compared for two of the most popular UK investment wrappers.

  
• CATEGORY

  Retirement

  Workplace pensions, SIPPs, the State Pension and how to picture the retirement income you are on track for.