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Pension Income Options (J05) begins by looking at the HMRC rules that apply when pension benefits are crystallised. It considers in detail the features, tax treatment and risks of lifetime annuities and scheme Pensions.
The study text then looks at the features, tax treatment and risks of flexible benefit options and phasing retirement benefits. It considers the regulatory requirements and legal framework designed to protect clients who are drawing pension benefits;
It considers the State retirement benefits available and then looks at the issues in giving initial and ongoing advice on taking pension benefits to clients.
Building a successful career in personal finance
Pension Income Options (J05) is suitable for anyone seeking to build their knowledge and understanding of pension income options. This unit counts towards the Diploma in Financial Planning, suitable for paraplanners, technical consultants and those supporting financial planning processes, in particular those who already hold CII credits that count towards completion (otherwise, the Diploma in Regulated Financial Planning is more suitable).
Purpose
At the end of this unit, candidates should be able to demonstrate an understanding of the:
Assessment
Units treated as equivalent
Due to the extent of syllabus overlap, certain combinations of current and withdrawn units will result in only one award of credits.
If a withdrawn equivalent is held you may not need to complete a current unit in order to satisfy a qualification's completion rules. Clarification should always be sought from CII Customer Service.
Find out more about credit awards for equivalent units
Course delivery
Instructions on accessing your course on RevisionMate will be sent to your registered email address. This is typically within two working days of your order being placed, but may be longer, particularly if payment is made by bank transfer or the unit is available as a pre-order.
Study material - editions available
Applicable to exam sittings within a 12-month enrolment period.
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These updates are Learning Solutions updates for study purposes.
2024-25 edition
To view a list of the main areas of change in the 2024-25 edition, please click here.
Chancellor's Budget/Statement and tax tables updates for 2024-25 edition:
Testing Position
Tax Year
The tax year 2024/2025 will be examined from 1 September 2024 until 31 August 2025.
Stamp Duty
Please note that the tax tables and lender’s criteria provided in the examination will state the thresholds and rates for purchasers who are NOT first-time buyers.
The CF2 Examination Guide for exams from 1 September 2011 to 31 August 2012 was first published in June 2011. Any questions which have been amended since the examination guide was first published will appear below.