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UK Pensions Basics

UK Pensions Basics

Pensions are often called the most complex personal finance subject. But don’t let that put you off.

The basics are relatively easy. Taking just a little time to understand them before buying a pension can make a huge difference to the quality of your retirement.

Your Starter…

  • What is a pension?
  • Why you need a pension
  • Pros and Cons of Pensions

How Pensions Work

  •  How does a personal pension work
  • How does a company pension scheme work
  • How does a Stakeholder pension work?
  • How does the State Pension work?
  • Contribution limits and earnings Caps for UK Pensions
  • Can you have more than one personal pension?
  • Can you have more than one Stakeholder pension?
  • Can you have more than one occupational pension?
  • Is everyone allowed the tax benefits?

What to Save and When to Start

  •  How much should you save?
  • How much are you allowed to save?
  • Cost of delaying your pension
  • What you need to save to achieve a pension income equivalent to half your salary
  • The cost of waiting a year
  • Left it too Late?
  • The costs of abandoning your pension

Other Stuff

  •  Compound interest
  • “Life insurance” with pensions
  • What happens to pensions after death

Your Rough Guide to UK Pensions
Last Updated December 13 2019

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Pensions Basics

  • UK Pensions Easy Guide
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All material UK Pensions Guide and Information © Moneysorter Ltd 1999 - 2019 | Author: By Ed Parry