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  • Those Aged Between 65 and 79 Are The Happiest Group In The UK | RetireEasy News
    The Happiest Group In The UK 5th February 2016 by RetireEasy We hear from the ONS today that the happiest age group are those aged between 65 and 79 and that ties in perfectly with the RetireEasy slogan Don t worry be happy The ONS report goes on to suggest that married couples and those still working part time and healthy are the happiest of all The key aim here at RetireEasy is to remove the financial worry and fear of stopping full time work and moving into later life The RetireEasy LifePlan can map all your finances throughout your later life so when you find a 15 minute break start building your LifePlan and it s absolutely free 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

    Original URL path: https://www.retireeasy.co.uk/news/those-aged-between-65-and-79-are-the-happiest-group-in-the-uk (2016-04-27)
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  • How Will Employers React To The Tapering Of The Annual Allowance For Their High Earners | RetireEasy News
    Avoiding the tax Carry Forward of Unused Annual Allowance In a tax year where an employee has been subject to a tapering of the annual allowance and excessive contributions have been paid it will be possible for the employee to avoid the annual allowance tax charge if the employee can carry forward unused annual allowance from one or more of the three prior tax years Again as mentioned in 2 above employers cannot rely upon an employee having any unused Annual Allowance in previous years as the employee may have contributed to other pension plans unknown to the employer An employee may not know until relatively late in the tax year if total earnings are likely to exceed 150 000 particularly if discretionary bonuses are paid and there may not be time to claim the unused allowance from prior years What Options are Available to Employers There are a number of routes that employers may consider in response to the forthcoming changes and it is important to highlight that no single solution is likely to have universal appeal to the high earners that may be impacted by the reduced Annual Allowance Employers could offer a menu of options so that each individual employee or impacted high earners only select the most appropriate option to fit their personal circumstances This will inevitably increase HR administration and it is possible that the most appropriate option in one tax year may not necessarily be so in the following year 1 Make no change Employers are not obliged to offer alternatives or restrict payments to its Pension Plan Employees subject to the Annual Allowance Tax Charge will still benefit from the contributions added to their pension fund and an employee s pension fund will grow as before However the potential tax charge will reduce the pension plan s tax effectiveness Employees may not know about the change in the rules nor if they are likely to be impacted The amount and timing of the tax charge and the possibility to avoid it using the carry forward rules may not be known by some employees HR departments are likely to communicate the changes to employees and may go a step further and provide access to a financial adviser but there ios no obligation on the employer to do so 2 Limit the Pension Contributions effective from 6 April 2016 Employers could decide to limit pension contributions to the plan effective from 6 April 2016 to 10 000 p a with any additional contributions up to the contractual rate only added following a specific employee request to do so i e the employee sets an individual contribution limit 3 Pay Cash In Lieu of Excessive Pension Contributions In lieu of any pension contribution given up employers may choose to increase an employee s pay The increase in pay will be subject to UK Income Tax and NIC As the employer s rate of NIC is 13 8 this method would create an additional cost to employers

    Original URL path: https://www.retireeasy.co.uk/news/how-will-employers-react-to-the-tapering-of-the-annual-allowance-for-their-high-earners (2016-04-27)
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  • RetireEasy launched as a FREE product May 2014 | RetireEasy News
    will calculate their desired income post retirement given the broad range of options for their pension cash from next year In addition 65 of them referenced the Budget changes Richard Collinson CEO and Co founder of RetireEasy said There is such a renewed need for a service that gives retirees insight into how much they can spend particularly now that they can receive their pension pot as a lump sum without the requirement to buy an annuity We want to help people live their lives to the full and part of this is having surety on how much capital you can spend without affecting your retirement income Naomi Collinson added As retirees ourselves we understand the last thing people want to do is buy a sports car and go on a world tour in their first year of retirement to find they need to rely solely on the State Pension in the latter years of their life We want to empower retirees to enjoy their new found financial freedom to spend their pension as they see fit but in a responsible way that means their immediate largesse allows them to live the rest of their days in comfort Mark Soper added The Budget changes bring welcome flexibility for retirees but also heightens the potential risk of running out of money Careful cash flow planning and visualisation of how far an individual s pension funds and savings will last in retirement has now become an absolute necessity for anyone approaching retirement RetireEasy LifePlan meets the need removes the worry and is now completely free to access and use A study of the Australian retirement market 2 which does not require retirees to buy an annuity found that a third of them use their pension to buy a home pay off their mortgage or on home improvements while 27 invest the money outside of a pension or place it in a savings account A fifth 19 of them buys or pays off a car West Sussex based Richard and Naomi founded RetireEasy in 2011 with their financial adviser Mark Soper as a paid for service After Richard sold his City based commercial finance business in 2004 and Naomi retired from running an art gallery they realised the difficulty in charting one s income throughout retirement and wanted to save other couples from the same burden 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 secure free to all users and can be easily updated in response to external factors such as changes to inflation asset values and tax rates About RetireEasy co uk RetireEasy co uk 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 Its online planning

    Original URL path: https://www.retireeasy.co.uk/news/retireeasy-launched-as-a-free-product-may-2014 (2016-04-27)
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  • How to achieve a £31,600 tax-free retirement income | RetireEasy News
    co uk 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/how-to-achieve-a-31600-tax-free-retirement-income (2016-04-27)
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  • Auto-Enrolment Hailed A Big Success | RetireEasy News
    Auto Enrolment Pension rules that became mandatory for large employers last October as a big success Over the last year more than a million workers have been auotmatically enrolled into a pension plan for the first time with only 10 of the workforce opting out of the new rules Charlotte Jackson Head of Information and Guidance The Pensions Advisory Service said This is great news that so many workers especially younger people are taking advantage of saving into a workplace pension Even for those working part time it s important to save as much as you can as often you can for later life Retireeasy agrees particularly as State Pension Reform is likely to lead to a lower State pension for the younger generation and a much later age to access 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

    Original URL path: https://www.retireeasy.co.uk/news/948-2 (2016-04-27)
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  • Highlights of the 2013 Budget | RetireEasy News
    the 2013 Budget 22nd March 2013 by RetireEasy Another year another budget but how does the 2013 Budget impact retirees Here are the highlights Government confirms review of GAD calculations Flat Rate pension of 144 per week confirmed to commence from April 2016 there will be protection for Basic and Additional State Pensions already accrued at a higher level No change in Government s decision to phase out Age related Income Tax Allowance likelihood of one allowance for all from 2015 at the latest IHT Allowance Freeze on IHT threshold at 325 000 until 2019 confirmed Annual Allowance for maximum pension contributions reduced from 50 000 pa to 40 000 pa from April 2014 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

    Original URL path: https://www.retireeasy.co.uk/news/highlights-of-the-2013-budget (2016-04-27)
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  • Retirees to spend spare cash on themselves this Christmas | RetireEasy News
    finances and their longevity The online tool at RetireEasy co uk does exactly that providing users with peace of mind and the ability to plan for their financial future The interactive and easy to use service offers a holistic view of a users 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 accessible2 and can be easily updated in response to external factors such as changes to inflation taxes and interest rates RetireEasy co uk offers a guide on what people should considerin the New Year while highlighting the fact all plans can be carried out via their intuitive online tool 1 Consider major financial contributions With university fees as they are the grandparents of tomorrow s workforce will want to help with university fees RetireEasy co uk allows users to factor in all major financial contributions including education fees a new car and holidays 2 Know your pension Many workers are now faced with managing several pension pots as people no longer stay at one company Our tool enables you to factor in multiple pension pots for the individual and those who are married 3 Know your investments Investment returns are often overlooked in the focus on pensions This can be a costly mistake to make as long standing investments may be able to provide better returns than some pension schemes Time should be spent on thinking about all of your investments and likely returns and losses Collecting all of this information on products including bonds ISA s and shares should be kept in one place 4 Consider tax Paying tax in this country is something millions would rather not do Often the

    Original URL path: https://www.retireeasy.co.uk/news/retirees-to-spend-spare-cash-on-themselves-this-christmas (2016-04-27)
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  • Retirement planning is MAN-ual work in a tough environment | RetireEasy News
    about money they will need to survive on when they should be relaxing and enjoying their life RetireEasy co uk has been designed to free people from this burden and from today offers a version geared towards couples 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 offers 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 accessible2 and can be easily updated in response to external factors such as changes to inflation taxes and interest rates 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 70year 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 think of positive words Limited retirement provisions will contribute to this negativity An alarming 14 of those surveyed aged 65 70 have no other assets apart from the state pension to rely on What may come as a shock to someis that men tend to have more assets than female counterparts Forty one per cent have investments in the form of bonds and shares in comparison to only 28 of women and 62 of men can fall back on savings whereas only 55 of women will have that luxury CEO and Co Founder Richard Collinson said The development of RetireEasy co uk has come from an individual need which I am certain exists for

    Original URL path: https://www.retireeasy.co.uk/news/retirement-planning-is-man-ual-work-in-a-tough-environment (2016-04-27)
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web-archive-uk.com, 2017-12-16