Pensions Savings Investments

Saving and investing

Some of the available opportunities for your savings and investments.

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Small firms struggling to offer 'adequate' pension provision

A new survey has revealed that 90 per cent of defined benefit pension schemes run by small firms have been closed to new entrants.

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Pension packages no longer vital to recruitment

The contraction of the employment market has meant that prospective employees do not see an attractive pensions package as essential to their decision to accept or reject a job offer.

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EIS, SEIS, VCT and SITR

Enterprise investment schemes, seed enterprise investment schemes, venture capital trusts and social investment relief.

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Trusts and settlements

Trusts and settlements - tax rates and allowances.

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State pension

State pension rates, pension credit and winter fuel allowances.

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VCT, EIS and SEIS compared

The reliefs for venture capital trusts, the enterprise investment scheme and the seed enterprise investment scheme are similar in many respects, but there are some significant differences.

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Venture capital trusts

A venture capital trust (VCT) is an investment company broadly similar to an investment trust, but what sets it apart?

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State pension deferral

State pension deferral is the right to defer entitlement to the state pension. In return for deferring for a period of at least nine weeks, the resulting pension increases by 1% for every nine weeks’ deferral, an approximate annual rate of 5.8%.

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Stakeholder pensions

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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