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Retirement and pensions

The pension and annuity rules are changing. The need to plan for the future has not.

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Recent years have seen a multitude of changes affecting the taxation of pensions and the access to those funds.
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For many people their retirement plans have been devastated by various falls in stock markets, low annuity rates and the lack of growth in the buy-to-let marketplace. How will the removal of the requirement to buy an annuity affect you? Many may question what chance there is of a 'comfortable retirement'?
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Stakeholder pension schemes are low-cost pensions meant for people without existing private pension arrangements. They were originally targeted at people who earn more than £10,000 a year and who cannot join an occupational pension scheme. They have, however, turned out to have much broader appeal.
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There are limits on how much can be invested in a pension scheme before a tax charge is payable.
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The government has changed the age rules for qualification for the state pension. Currently the state pension age is between 60 and 65 for women and 65 for men. The changes mean that retirement age for women will be equalised with that for men at 65 by 2020 and both will increase to 65 to 68 from 2022 and 2046.
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State pension deferral is the right to defer entitlement to the state pension. In return for deferring a lump sum accrues with interest added to the deferred entitlement at a rate normally of 2% over bank base rate. Therefore the deferral claim cannot accurately be evaluated in advance.
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Details of pension credits for the current year.
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