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‘Pensions’ Archive

FRIDAY FAQ: I have an NHS pension, why would I need a private one?

Every Friday we aim to post an answer to a FAQ about mortgages, tax, investments, money matters, business or retirement. You can have your say too. Send an email with your FAQ to

Pension awareness – it pays off 

Newly qualified doctors and dentists who have recently started their careers are reporting that they are struggling to save into a pension. It is not that they don’t recognise the importance of investing into a pension, it is that they have more pressing needs. They feel they need to focus on shorter term needs, such […]

Flexible use of your pension 

Retirement is an exciting time. It gives you the opportunity to spend more time with your family and friends, or to tick things off your bucket list. Deciding to take retirement takes careful planning. The Pensions Freedom Act 2015, gave people greater flexibility on how they can access their pension pots. This greater flexibility also came […]

Newly self-employed – what you need to know for tax 

You may have been practising for a while or are newly qualified and have decided that self-employment is the best option for you. If so, you are probably trying to navigate your way through the complex UK tax system. When you become self -employed there are certain things you need to familiarise yourself with. This feature […]

Your Income Protection Insurance May Not Be Enough

Have you reviewed your income protection lately? Specifically, have you reviewed your cover since joining the 2015 NHS Pension Scheme? It is always important to carry out regular reviews of your financial products but even more so in this situation, as you are highly likely to be financially exposed. Here is why…

£1500 Pension Advice Allowance Now Available

In efforts to make financial advice available to everyone, the government have introduced a new initiative, in the form of a £1500 allowance that can be drawn from your pension fund to cover costs relating to professional advice. These withdrawals are tax-free and can be taken in three instalments of £500.

FRIDAY FEATURE: Should You Put Your Practice Property In a Pension?

Tax Planning for Doctors & Dentists This month Michael Lansdell, from Lansdell & Rose Chartered Accountants, talks about how it could be beneficial for you to put your practice property in a pension. It is a complex area of tax planning, that requires specific advice.

Annuity or Drawdown? Which Pension Investment is Best For You?

Pension freedoms have enabled pensioners to feel more in control of their retirement plan, including when they draw their pension savings and how they spend it. This change to legislation meant thousands of people now opt to draw money at age 55, either for reinvestment, to pay-down mortgages or to enjoy a little when they […]

What if You Happen to Live Too Long?

Now there is a strange thought…live too long? Well, when it comes to retirement planning it is a very real question. What if you are basing your retirement plan on the average life expectancy with little to no room for contingency? Even exceeding your expectations by a few years could leave you financially stuck, at […]

People Cash-in Smaller Amounts on their Pensions

Leaving more invested When Pensions reformed in April 2015, pensioners were cashing in on average, £20k. Now, 18 months later, there is a rising number of retirees using the flexible pensions, but they are cashing-in smaller amounts. Was it over-excitement last year at the prospect of available money? Or are people getting wary about their financial future?

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