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  • Check out the value of your deferred defined benefit pension and avoid inadvertently walking into a Lifetime Allowance Tax Charge | RetireEasy News
    in the Budget many individuals have or are preparing to make larger than normal pension contributions to capture the higher rate tax reliefs currently available The flip side of tax relief on contributions paid in is a potential tax charge on excessive pension funds when they are paid out this tax charge applies to pension funds in excess of the Lifetime Allowance and this allowance which is being reduced from 1 25 to 1million from 6th April 2016 this assumes that Mr Osborne does not tamper with it in the March Budget With this in mind it is very important to check the cash equivalent value of the current revalued amount of any deferred Defined Benefit pension you may have the cash equivalent value is 20 times the current value of the revalued annual pension Deferred defined benefit pensions normally increase each year by inflation or by some other level of indexation and in a few cases they may even benefit from discretionary increases awarded by the scheme Trustees If the pension value has not been checked for some time the chances are it could be much higher than its original value and in turn the cash equivalent value will also be higher This could bring the total pension pot closer to or in excess of the current or revised level of the Lifetime Allowance and if you think you may be in this position it may be prudent to seek expert advice before making an additional pension contribution now 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

    Original URL path: https://www.retireeasy.co.uk/news/check-out-the-value-of-your-deferred-defined-benefit-pension-and-avoid-inadvertently-walking-into-a-lifetime-allowance-tax-charge (2016-04-27)
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  • Gilt Yield Rise Brings More Relief To Income Drawdown Investors | RetireEasy News
    on from the increase in the GAD rate to 120 investors in Income Drawdown Plans the main alternative to annuity purchase got a further boost today thanks to improving gilt yields The GAD drawdown yield used to calculate the maximum amount of income that can be withdarwn from the pension fund has increased to 2 75 from August income reviews In December 2012 the rate was floundering at 2 0 and compared to then a 65 year old with a pension fund of 150 000 can now take additional income of more than 1 000 p a Income Drawdown is not for everyone and Retireeasy recommends anyone deciding whether to take retirement benefits via an annuity income drawdown or a combination of the two should seek professional guidance 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

    Original URL path: https://www.retireeasy.co.uk/news/gilt-yield-rise-brings-more-relief-to-income-drawdown-investors (2016-04-27)
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  • New Annuity Service Launched by ABI | RetireEasy News
    Guides New Annuity Service Launched by ABI 21st August 2013 by RetireEasy The ABI this week launched its free Annuity Window tool If you are approaching retirement the tool provides a dozen examples of real annuity rates across a range of ages and post codes for both healthy non smokers and smokers and for individuals who have suffered a serious medical condition The example annuity rates shown do not take account of inflation or any guaranteed payment period Retireeasy believes this new service will at the very least raise consumer awareness of the different annuity rates available and the importance of shopping round provided consumers get to know about it 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

    Original URL path: https://www.retireeasy.co.uk/news/new-annuity-service-launched-by-abi (2016-04-27)
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  • The Long Term Care Cap is to be reduced | RetireEasy News
    About RetireEasy Team Contact Accolades Blog Press Releases News Articles Alerts Updates Helpful Guides The Long Term Care Cap is to be reduced 18th March 2013 by RetireEasy Ahead of next week s budget George Osborne on Andrew Marr s show yesterday confirmed that the Long Term Care Cap would be reduced from 75 000 to 72 000 and will be brought forward a year to April 2016 Mark Soper says Whilst still higher than I would like to see any reduction in the cap is good news and bring it forward a year is welcome news 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

    Original URL path: https://www.retireeasy.co.uk/news/the-long-term-care-cap-is-to-be-reduced (2016-04-27)
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  • Should we trust Excel? | RetireEasy News
    to Microsoft Excel If you are can you be sure that all the calculations in your spreadsheet are correct Have you had an independent audit of your spreadsheet Harvard University economists Carmen Reinhart and Kenneth Rogoff have admitted making a spreadsheet calculation mistake in a 2010 research paper Growth in a Time of Debt which has been widely cited to justify budget cutting Did the conclusions about debt growth and need for painful correction send the politicians of the world down the wrong paths when developing budget solutions Maybe that is an over dramatization but Forbes magazine have stated that Microsoft s Excel Might Be The Most Dangerous Software on the Planet I am sure that the average home user of Excel believes that their spreadsheet does the job for them but you should always understand that a simple error can give a very different outcome and may cause unwanted future anxiety 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

    Original URL path: https://www.retireeasy.co.uk/news/should-we-trust-excel (2016-04-27)
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  • Delay Over Pension Help Could Make Crisis Worse | RetireEasy News
    yesterday s Autumn statement it is delaying reforms for smaller firms Under the incoming auto enrolment programme employers will be obliged to automatically enroll any employees who meet certain eligibility criteria in a pension scheme which will include compulsory employer contributions According to the original timetable which set out a staged rollout according to the size of the firm companies employing fewer than 50 people were to be bound by the new rules from April 2014 However smaller businesses will now be given until May 2015 to prepare for the new rules and new pension contribution responsibilities Pension experts are concerned this delay will worsen the pensions crisis as small companies will be allowed to go on offering employees no pension at all for a year longer This is an extremely disappointing decision and one that will affect millions said Michelle Mitchell from pensioner charity Age UK It is appalling that many employees will miss out on a year s worth of contributions which will make a real difference to being able to save for a decent retirement Richard Collinson at online retirement planning site RetireEasy co uk said Although it is imperative to support small businesses in this economic climate it is essential that auto enrolment is seen as critical Pension savings are at an all time low and steps to plug the gap should be welcomed Auto enrolment is one of the few measures that could help to ensure workers today enjoy 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 Retirement Planning Retirement Plans Pension Calculator Pension Plans Retirement Income Retirement Annuity Planning

    Original URL path: https://www.retireeasy.co.uk/news/delay-over-pension-help-could-make-crisis-worse (2016-04-27)
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  • As We Live Longer So Too Must Our Finances | RetireEasy News
    drawbacks to equity release depending on your situation For instance the amount you owe can escalate with a lifetime mortgage as the interest is added to the amount you owe essentiallymeaning you are paying interest on interest Furthermore it is not always possible to transfer a scheme to a new home if you decide to move Althoughequity release might be the most effective option available for some enabling them to sustain a decent lifestyle in retirement it is vital those considering it have explored all other options There are a number of factors which are sometimes overlooked when it comes to planning for retirement Every single asset and outgoing should be assessed including pension entitlements investments endowments and savings Considering external factors such as inflation interest and Base Rate should also be taken into account Until we launched our LifePlan at RetireEasy co uk therewasnothing available allowing the public to analyse everything effectively in one place there wasn t any way of knowing when your money would really run out and how you should react accordingly Many fear their liquid fundswill run out before they do Our belief is that you need to be prepared for this eventuality and recognise it as soon as possible This will give retirees the opportunity to review their planning before it is too late People may be surprised to learn that by considering where and how assets can be adjusted you can rectify potential problems in the future For example some people may prefer todownsize their home or sell some assets rather than opting for equity release Technology and programmes like RetireEasy co uk can be instrumental in understanding your finances longevity and can also serve as a complementary tool for those who also employ an Independent Financial Advisor to give their IFA a

    Original URL path: https://www.retireeasy.co.uk/news/as-we-live-longer-so-too-must-our-finances (2016-04-27)
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  • Retirees & pre-retirees live in fear of financial ruin | RetireEasy News
    Mark Soper aims to free people from this burden it is the only comprehensive online tool that gives those in or nearing retirement peace of mind by empowering them to plan for their financial future The interactive and easy to use service gives users a holistic view of their future income factoring in a range of assets such as pension entitlements investments and savings in order to figure out how much money they have to live on in retirement The service is independent secure accessible and can be easily updated in response to external factors such as changes to inflation and Base Rate Richard who sold hisCity based commercial financebusiness in 2004 said We found it extremely difficult to formulate a figure that would give us clarity on how much we could spend in retirement without falling short Once you factor in investment returns liabilities and tax this can be an unnecessarily complex process which we have now provided a solution to Naomi added Retirement should be a time when you relax and live life to the full People shouldn t be spending the best years of their life suffering from unnecessary hardship because they fear financial ruin This service is all about empowerment and education An insight into the despair felt by those nearing or in retirement is evident from the most frequent word that springs to mind when 50 to 70 year olds think about their retirement years worry Over half of those polled 56 think of negative words such as poverty or fear while only a third 34 thinks of positive words Women in this demographic tend to worry more about retirement income than men even though the vast majority are in a relationship men have a wider range of assets under their name Over a fifth

    Original URL path: https://www.retireeasy.co.uk/news/retirees-pre-retirees-live-in-fear-of-financial-ruin (2016-04-27)
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web-archive-uk.com, 2017-12-15