The Financial Times guide to pensions and wealth in retirement
This book will help you navigate your way through the complex maze of state, private, workplace and individual pensions, offering you a range of achievable solutions you can carry out yourself to make a significant difference to your retirement income. It explains the different types of pension that...
| Otros Autores: | |
|---|---|
| Formato: | Libro electrónico |
| Idioma: | Inglés |
| Publicado: |
Harlow, England :
Pearson
[2012]
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| Edición: | 2nd ed |
| Colección: | The Financial Times Guides.
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| Materias: | |
| Ver en Biblioteca Universitat Ramon Llull: | https://discovery.url.edu/permalink/34CSUC_URL/1im36ta/alma991009628468706719 |
Tabla de Contenidos:
- Cover
- The Financial Times Guideto Pensions and Wealthin Retirement
- Contents
- Preface
- Acknowledgements
- The second edition
- Part 1 Pensions: what they mean to you
- Solving your own personal pensions crisis
- How do I visualise my retirement?
- The 'pensions crisis'
- Planning for your retirement
- Pensions: an overview
- Recent changes in pension rules
- Are pensions the best way to save for retirement?
- Drawing up your retirement saving plan
- How much will I need?
- How much am I currently saving?
- Your pension shortfall
- How much will it cost to plug my shortfall?
- Other ways to reduce your pension shortfall
- Women and pensions
- The self-employed
- Part 2 Private pensions
- How private pensions work
- Tax relief
- Getting money into a pension for no net outlay
- Drawing an income
- Tax-free cash lump sum
- Pensions as medium-term savings vehicles
- Limits on pension saving
- Pensions for children and non-working family members
- Personal and stakeholder pensions
- Personal pensions
- Stakeholder pensions
- SIPPs
- How to beat the corrosive effect of charges
- Workplace schemes: money purchase
- Will my workplace pension be enough?
- Occupational money purchase schemes
- Group personal pensions and group stakeholder pensions
- Recoup unclaimed higher rate tax relief
- Security of workplace money purchase schemes
- Auto-enrolment and Nest
- Workplace schemes: final salary/defined benefit
- Bad press for final salary schemes
- Security of defined benefit pensions
- Buying added years or additional pension
- Additional voluntary contributions
- Transfers out of final salary schemes
- Death benefits
- Self-invested personal pensions (SIPPs)
- What is a SIPP?
- Different types of SIPP
- SIPP charges
- Transfers into SIPPs
- Investing in commercial property
- Borrowing
- Shares.
- Drawing benefits
- Family/own-trust SIPPs
- Small self-administered schemes (SSASs)
- How an SSAS works
- Investing in the sponsoring company
- Lending your pension to your company
- Commercial property
- Drawing income from an SSAS
- Estate planning: scheme pension
- Investment strategy: constructing your portfolio
- The relationship between risk and return
- What can I invest in?
- Asset allocation
- Asset classes and their risks
- Your attitude to risk
- How much risk can you afford?
- Ethical investing
- Part 3 State pension provision
- State pension
- State pension: what will I get?
- State second pension
- Delaying state pension
- Inheriting state pension
- Inheriting state second pension
- Pension Credit and means-testing
- Extra money for lower income pensioners
- How Pension Credit works
- Pension Credit, means-testing and the disincentive to save
- So should I give up on pension saving altogether? And should I opt out of Nest or the employer's pension scheme I have been automatically enrolled into?
- Contracting out of the state pension system
- How contracting out has worked
- From creation to abolition
- Contracted-out occupational schemes
- Claiming compensation for incorrect advice to contract out
- Part 4 Wealth management in retirement
- Managing your retirement
- Choosing when to retire
- Non-pension assets
- How will your income needs vary through retirement?
- How to convert your pension into income
- Early retirement
- Working later than you had planned
- Raising cash on your home: equity release
- Annuities
- Shopping around for the best deal
- Inflation protection
- Providing for a spouse or partner after your death
- Guaranteed annuity payments
- How do I want to be paid?
- Annuities for smokers
- Annuities for people in poor health
- Fixed-term annuities.
- Investment-linked annuities: with-profits annuities
- Investment-linked annuities: variable annuities
- Income drawdown
- How income drawdown works
- Capped drawdown
- Flexible drawdown
- What happens to the fund on death
- Retirement savings not held in pensions
- Investment approach
- Disputes and unclaimed pensions
- Disputes over pensions
- Unclaimed pensions
- Retiring abroad
- Residency requirements
- Currency risk
- Inheritance Tax planning in retirement
- Unmarried couples
- Gifts made when you are still alive
- Useful contacts
- Index.
