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Technical articles | 09 Apr 2014
The pensions reforms announced in the Budget were heavily influenced by concerns about the annuities market. Liz Booth looks at the FCA's annuities thematic review and impending market study.
Technical articles | 01 Apr 2009
The September 2009 Retail Prices Index (RPI) is widely expected to be negative, which raises some interesting issues for pensions.
Research | 08 May 2015
Pensions expert (now Pensions Minister) Dr Ros Altmann discusses the opportunity the pension reforms present to the advice sector be able to demonstrate, to consumers, the value of financial advice. The freedoms were designed to ensure all pension savers, whether their funds are large or sm...
Technical articles | 30 Mar 2015
In his 2015 Budget Statement, the Chancellor of the Exchequer announced a proposal to allow individuals who were hitherto 'locked' into an annuity to exchange their future income stream for a capital sum. To kick of the process that will lead to this radical change, the Treasury published a...
Technical articles | 01 Feb 2005
Ken Wrench helped pioneer the open annuity, which has greatly increased the options open to better-off clients at retirement.  Here he considers the continuing development of the pensions market in the run-up to A-Day in April 2006.  Advising an annuities is and will remain a key ...
Research | 26 Mar 2014
A policy briefing setting out the details and implications of the Government's widely-publicised pensions reforms announced in Budget 2014.
Research | 01 Mar 2011
The landscape for retirement is changing. The UK Government is in the process of implementing a number of reforms to pensions to try to incentivise long term savings - including abolishing the requirement to annuitise by age 75. Changes are also afoot at the EU level and, on 1 March the Eur...
Technical articles | 01 Sep 2008
Every year, thousands of UK consumers approach retirement looking forward to funding their golden years with the money they have invested in their personal pension fund over the course of their working lives.  For many, their pension fund allows them to enjoy their retirement by supply...
Technical articles | 01 Dec 2005
The benefits of ASP are starting to look pretty marginal - especially if the aim is saving IHT. If a member nominates someone other than his or her spouse to receive the lump sum death benefit under ASP, there will almost certainly be an IHT charge when the member dies. This will probably b...
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