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  • Press Releases | RetireEasy News
    first online service allowing them to take control of their finances RetireEasy co uk Read the full article 29th October 2011 by RetireEasy Kate Hughes Fear Running Out of Cash Time To Take Back Control Of Your Life IT would appear that we are a nation of split personalities First the long standing lament that we re not taking retirement planning seriously enough was reinforced this week with research from HSBC suggesting that it drops to the bottom of the list of priorities for couples with families Around 44 per cent of couples with children Read the full article 19th October 2011 by RetireEasy Abolition Of DRA A Lifeline To Those Nearing Retirement The recent abolition of the Default Retirement Age DRA is a much needed lifeline to those nearing retirement according to Richard Collinson Co Founder and CEO of RetireEasy co uk The newly launched site provides the only comprehensive online tool that empowers those in or nearing retirement to plan for their financial future Read the full article 13th October 2011 by RetireEasy Take Control Of Your Retirement Those coming up to retirement need all the help they can get to weather the punishing financial climate says Lorna Bourke Retirement planning is the area where savers most seek help from the experts and in today s investment environment it isn t difficult to see why Read the full article 3rd October 2011 by RetireEasy Post Finance Save Us From Euro Despair AS European leaders struggle with the possibly terminal problems of the euro and the US is buried equally in debt these are grim days for savers of all ages and especially for the over 50s thinking of giving up work A survey by RetireEasy co uk an online financial planning tool reckons 79 of 50 to 70

    Original URL path: https://www.retireeasy.co.uk/news/blog/press-releases/page/2 (2016-04-27)
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  • Pensions Under Attack Again | RetireEasy News
    leaving just the basic rate available or whether a new melded rate of tax relief of between 25 and 35 would continue for higher rate tax payers Despite all this speculation we of course will not know the outcome until 16th March 2016 What is also interesting is the timing of any change there is some precedent of pension changes being made on Budget Day itself but this will massively complicate 2015 16 self assessment returns On the other hand if the cut is announced to take effect from 6 April 2016 then a mad rush to gain maximum relief before April is bound to ensue this on top of an already worrying capacity crunch as 30 000 employers per week put in place their workplace pension schemes this year and next Cut in Tax Free Lump Sum The maximum lump sum that may be withdrawn from a personal pension plan is currently 25 of the accumulated pension fund and it has been at this rate for decades The rumour that this rate will be cut is almost perennial but there could be a more pronounced reason for the Chancellor considering this now 2 5 billion was withdrawn from pension plans as cash lump sums between April and October 2015 and whilst we do not know exactly how much of this was paid out tax free it will certainly be at least 625 million if this was left in the Treasury would be collecting a tax charge on the funds invested this is worth 10 billion p a on all UK pension funds invested and the Chancellor will not like the look of this draining away year on year True he has received a short term boost in tax revenues from individuals cashing in their pension funds but a permanent

    Original URL path: https://www.retireeasy.co.uk/news/pensions-under-attack-again (2016-04-27)
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  • Increase in State Pension from April 2012 | RetireEasy News
    studies FAQs Glossary Videos Company About RetireEasy Team Contact Accolades Blog Press Releases News Articles Alerts Updates Helpful Guides Increase in State Pension from April 2012 10th April 2012 by RetireEasy Pensioners will receive a boost to their retirement income from today as a significant increase to the State Pension kicks in A single pensioner will receive an increase of 5 30 per week and pensioner couples will receive an increase of 8 50 per week These increases will be very welcome following the recent steep increases in fuel and utility bills Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for Retirement Planning Retirement Plan for Retirement Retirement Planner Not yet retired You can now include all your additional savings investments and Pension Contributions between now and your retirement taking into account increasing these Additional Contributions year on year and stipulating whether these are one off or recurring contributions As always you can revisit these

    Original URL path: https://www.retireeasy.co.uk/news/increase-in-state-pension-from-april-2012 (2016-04-27)
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  • New ISA Allowances for 2012/13 | RetireEasy News
    Releases News Articles Alerts Updates Helpful Guides New ISA Allowances for 2012 13 10th April 2012 by RetireEasy Mark Soper RetireEasy The new tax year officially commenced on Good Friday and the ISA allowances increased on the same day For 2012 13 you can invest up to 5 640 in a Cash ISA with the balance invested in a Stocks Shares ISA or up to the full limit of 11 280 in a Stocks Shares ISA The income generated from an ISA can be a tax effective way to increase your retirement income particularly with the freezing of age related income allowances from next April Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for Retirement Planning Retirement Plan for Retirement Retirement Planner Not yet retired You can now include all your additional savings investments and Pension Contributions between now and your retirement taking into account increasing these Additional Contributions year on year and stipulating whether

    Original URL path: https://www.retireeasy.co.uk/news/new-isa-allowances-for-201213 (2016-04-27)
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  • Annuity Selling is ‘Unfair and Opaque’, Says NAPF | RetireEasy News
    way annuities are sold is costing half a million retirees each year as much as 1bn in future pension income a report claims The National Association of Pension Funds said the sale of annuities was Hugely unfair and opaque Annuities are the annual incomes most retirees buy with their personal pension pots The process for choosing an annuity is a complex one and the majority still go for the default option by sticking with their pension scheme provider the NAPF said The problem the NAPF said is that many obstacles are in the way of those who might be better off shopping around among different insurance firms the Open market option rather than just accepting the annuity offered by their pension saving company Every year a billion pounds that could have been paid out in pensions instead disappears down the plughole of a murky annuity market she said Few people the NAPF argued knew enough to successfully chose an annuity themselves The NAPF report also took a dim view of the way annuities are priced by the insurers selling them Annuity rate bands can have cliff edges penalising customers who could get a better rate by having as little as 1 more in their pot it said From April 2011 it became no longer effectively compulsory for most people to buy an annuity with their pension pots by the age of 75 Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning for Retirement Planning Retirement Plan for Retirement Retirement Planner Not yet retired You can now

    Original URL path: https://www.retireeasy.co.uk/news/annuity-selling-is-unfair-and-opaque-says-napf-2 (2016-04-27)
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  • Granny Tax Explained | RetireEasy News
    8 105 on 6 April this year but the age related allowance will increase to 10 500 if you are aged between 65 and 74 and to 10 660 for those aged 75 and over However not everyone over age 65 currently receives the full allowance as the extra amount above the standard allowance is gradually reduced when an individual s taxable income is above 24 000 and it is removed completely once total taxable income exceeds 29 000 So what has changed The Government has pledged to increase the standard personal allowance further from April 2013 but the age related allowances will be frozen at the April 2012 level Of greater impact is the complete removal of the age related allowance for everyone who will not reach age 65 by 5 April 2013 So what are the numbers The difference is quite stark as someone reaching age 65 on or before 5 April 2013 will receive an age related allowance of 10 500 in April 2013 whereas someone reaching age 65 on or after 6 April 2013 will receive the standard personal allowance of 9205 In money terms by 2013 14 around 4 million existing pensioners will be worse off than expected by an average of 83 p a but the loss increases to an average of 285 p a for those who have not reached 65 by 6 April 2013 Any other Impact Yes around 230 000 individuals may now need to complete a self assessment tax return every year What s in it for the Government The initial saving to the Treasury is fairly modest at 360 million in 2013 14 but by 2016 17 the savings will have risen to a projected 1 25 billion every year Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS

    Original URL path: https://www.retireeasy.co.uk/news/504 (2016-04-27)
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  • More people are entering retirement with mortgage and credit card debts | RetireEasy News
    people retiring in 2012 will be 38 200 up from 33 100 in 2011 At least 50 of these retirees will owe money on their home loan and or will still have outstanding credit card balances Prudential s Class of 2012 research also revealed that people who are due to retire in 2012 are expected to have a lower retirement income than people who retired in the previous 5 years Vince Smith Hughes Prudential s retirement income expert said With a manageable repayment programme in place debts need not become an issue for this year s retirees and there is plenty of help available through the Money Advice Service and Citizens Advice Bureau Retiring with outstanding debts could be a sign of a lack of financial planning It is important therefore for those still at work to save as much as possible as early as possible and to consult a financial adviser to help them plan for a comfortable retirement Next post RetireEasy 2016 Terms Conditions Privacy Policy SaaS Solutions from Cyber Duck Follow us LinkedIn Facebook Twitter More information Navigation About us What is RetireEasy How it works Accolades FAQs Security News Press Contact Privacy Policy Terms Conditions Info

    Original URL path: https://www.retireeasy.co.uk/news/more-people-are-entering-retirement-with-mortgage-and-credit-card-debts (2016-04-27)
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  • Silver Inflation: Why Some People’s Pips Are Squeaking | RetireEasy News
    a mortgage where payments have been reduced in recent years or those who disposable income is spent on electronics and white goods where deflation is the norm When a large proportion of your total income is committed to energy and food where prices have been soaring inflation feels very different indeed Age UK recently announced its findings that that its Silver RPI has averaged 4 6 a year since January 2008 almosthalf as much again as the 3 1 average annual inflation recorded by the RPI over the same period Financial services provider Saga are in broad agreement and point out that the current figures are even higher They estimate that personal inflation is now closer to 6 6 per cent for 50 to 64 year olds 6 4 per cent for 65 to 74 year olds and 6 5 per cent for those aged 75 and above Avoiding fuel poverty It s generally agreed that the lower your income and the older you are the higher the inflation rate The numbers of those in fuel poverty where energy costs account for more than 10 of household income has been rising in the last couple of years after well over a decade of steadily decreasing The figure this year is expected to get back to 1996 numbers 6 6 million households across the UK many of which are pensioner households So far so depressing But there s more At the same time as well all know savings rates have plummeted and those going into retirement and trying to negotiate annuity rates are getting pitifully low returns for their money Prudential recently stated that anyone taking a fixed income of 16 000 today would find it worth just 6 700 in today s money in 20 years time Of course you can opt to inflation proof those sums or at least increase them by a fixed percentage each year and that will take some of the sting away even though it will inevitably reduce payments now To maintain your standard of living over that period you would need to actually double your retirement income Never has there been a greater need to shop around when looking for an annuity and taking expert independent advice on how and where you invest your money Now for the good news So is it all unmitigated bad news Not quite Some of the ways that older people can fend off above average inflation rates are available to those reading this column they can use the Internet to research the best deals for fuel and other utilities many of which are only available to those happy to make do with online bills They can also scour the Net for the best bargains when shopping for goods travel and holidays a luxury unavailable to the two thirds of those aged 65 and over without Internet access Certainly being online allows you to search for the best rates on investments savings and annuities although paying a relatively small

    Original URL path: https://www.retireeasy.co.uk/news/silver-inflation-why-some-peoples-pips-are-squeaking (2016-04-27)
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