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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...
| Clasificación: | Libro Electrónico |
|---|---|
| Autor principal: | |
| Formato: | Electrónico eBook |
| Idioma: | Inglés |
| Publicado: |
Harlow, England ; New York :
Pearson,
©2012.
|
| Edición: | 2nd ed. |
| Colección: | Financial times guides.
|
| Temas: | |
| Acceso en línea: | Texto completo (Requiere registro previo con correo institucional) |
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.