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Beat the pensions crisis : what you need to do now to improve your financial future /
How many years will you have to work so that you build a decent pension? How much do you need to live comfortably in your retirement? There's a crisis in pensions which affects the majority of people in the UK. The crisis is all about the gap between the money that you need to live in retiremen...
| Clasificación: | Libro Electrónico |
|---|---|
| Autor principal: | |
| Otros Autores: | |
| Formato: | Electrónico eBook |
| Idioma: | Inglés |
| Publicado: |
Harlow, England ; New York :
Financial Times Prentice Hall,
2013.
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| Colección: | Financial Times series.
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| Temas: | |
| Acceso en línea: | Texto completo (Requiere registro previo con correo institucional) |
Tabla de Contenidos:
- Cover
- Beat the Pensions Crisis
- Contents
- List of figures
- Acknowledgements
- Introduction
- The reality of the pensions crisis
- Our objectives
- How to use this book
- Summary
- Part 1 The pensions crisis
- What pensions crisis?
- Pensions cost more than they used to
- Retirement hasn't got any less expensive
- Summary
- Myths and delusions about pensions
- The major myth: I will probably be OK
- Myth 2: I can live on the basic state pension
- Myth 3: Pensions are too complicated
- Myth 4: You can't trust pensions
- Myth 5:My house is my pension
- Myth 6: I'm OK because I am already investing in a pension
- Myth 7:My other assets will be enough
- Myth 8: It's too late
- there is no point
- Summary
- Part 2 A pensions primer
- Inside information
- Your pension pot
- The price of your pension
- Your pension gap
- The pension turbocharger
- Summary
- Pensions
- under the hood
- Tax relief limits
- Types of pension
- Final salary pensions
- Money purchase pensions
- State pensions
- Summary
- Understanding your pension gap
- Your pension gap
- How much you will need when you retire
- How much you will get when you retire
- Apples and pears
- Summary
- Part 3 A practical toolkit
- Already retired
- Getting what you are entitled to
- Getting a good deal on things you use regularly
- Claim what you are entitled to
- Getting value from your house
- Converting assets into income
- Buying an annuity
- Drawdown
- Living off your assets
- Summary
- At the point of retirement
- What is retirement?
- When your employment stops
- When your pension starts
- Options for taking your pension
- Drawdown
- Summary
- Close to retirement (50s and 60s)
- The pension turbocharger
- State pensions
- Company pensions
- Personal pensions
- Tax-free savings products
- 'Lifestyling'
- Liabilities.
- Managing your lifestyle expectations
- Summary
- Longer-term planning for retirement (30s and 40s)
- 'Free' pensions
- Jobs and pensions
- Summary
- Part 4 The bottom line
- Principles for everyone
- Retirement is about your life, not just your pension
- Take responsibility
- Take advice
- Claim your full tax relief
- Expect to retire later
- Debt reduction: the best return in town
- Diversification
- Children and grandchildren
- Inheritance planning
- Unexpected events
- Summary
- Getting advice
- Free advice
- 'Tied' advice
- Independent advice
- How do I choose an adviser?
- Paying for advice
- What should I expect from an adviser?
- Summary
- The pensions crisis and the future
- Public sector pensions
- Complexity and confusion
- Left hand and right hand
- Summary
- and overall conclusions
- A pensions glossary
- Index.