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Latest Columns

  • Tilley: Rebooting the FOS makes sense

    I’ve written before about the lack of coherence in the UK’s pension complaints landscape and it remains a source of real frustration for those of us working in the sector.

  • Lisa Webster: Pension age uncertainty lingers on

    We’ve known for many years that normal minimum pension age, NMPA it's known, is going up.

  • Tilley: Are we asking too much of pension savers?

    Working in UK pensions, I’ve always accepted that the system evolves. Fiscal pressures change, demographics shift, and governments recalibrate policy objectives. But even allowing for that, the pace and volume of legislative change in the pensions space over the last few years feels unprecedented, and in my view increasingly problematic.

  • Lisa Webster: Beware IHT and pensions double taxation

    One of the most disliked aspects of bringing pensions into the estate for inheritance tax (IHT) purposes from 6 April 2027 is the double taxation that will occur when the member dies on or after their 75th birthday.

  • Lisa Webster: Should tax-free cash always be taken?

    Since the Lifetime Allowance was abolished and replaced with the Lump Sum Allowance (LSA) and lump sum and death benefit allowance (LSDBA), we have seen an increase in SIPP members who want to take drawdown only – foregoing the right to take the associated pension commencement lump sum (PCLS).

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Several advice firms are braced for FCA punishments after consumers were advised to switch their mainstream personal pensions into Sipps through ‘improper delegation’ to unauthorised firms.

There are ‘ominous’ signals over pensions tax relief that a ‘bloody nose’ is still to come despite the Chancellor’s silence on the subject yesterday, industry figures have warned.

A consultant has swapped Sipps firms by making the move to Talbot and Muir from Xafinity.

The founder of a Sipp provider says many retirees will have soured on their plans to invest in buy to let homes after the Autumn Statement.

Changes to the timing of auto-enrolment announced today by the Chancellor will result in a £820m tax bonus for the Treasury, a retirement expert has estimated.

The basic State Pension will rise by more than it has done for 15 years in real terms in 2016, the Chancellor has said this afternoon.

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