chunk_id stringlengths 3 7 | chunk stringlengths 0 841 | source_url stringclasses 652
values | title stringclasses 652
values | chunk_idx int64 0 558 | chunk_start_char int64 0 48.7k | chunk_end_char int64 3 48.7k |
|---|---|---|---|---|---|---|
641-10 | self-invested personal pensions (SIPPs) - these allow you to control the specific investments that make up your pension fund | 641 | Personal pensions | 10 | 765 | 889 |
641-11 | You should check that your provider is registered with the Financial Conduct Authority (FCA), or the Pensions Regulator if it’s a stakeholder pension. | 641 | Personal pensions | 11 | 890 | 1,040 |
641-12 | Paying into a personal pension | 641 | Personal pensions | 12 | 1,041 | 1,071 |
641-13 | You can either make regular or individual lump sum payments to a pension provider. They will send you annual statements, telling you how much your fund is worth. | 641 | Personal pensions | 13 | 1,072 | 1,233 |
641-14 | You usually get tax relief on money you pay into a pension. Check with your provider that your pension scheme is registered with HM Revenue and Customs (HMRC) - if it’s not registered, you won’t get tax relief. | 641 | Personal pensions | 14 | 1,234 | 1,444 |
641-15 | Choosing a personal pension | 641 | Personal pensions | 15 | 1,445 | 1,472 |
641-16 | Citizens Advice has information about choosing a personal pension. | 641 | Personal pensions | 16 | 1,473 | 1,539 |
641-17 | Independent financial advice | 641 | Personal pensions | 17 | 1,540 | 1,568 |
641-18 | You can find an independent financial adviser: | 641 | Personal pensions | 18 | 1,569 | 1,615 |
641-19 | from Unbiased | 641 | Personal pensions | 19 | 1,616 | 1,629 |
641-20 | from the Personal Finance Society | 641 | Personal pensions | 20 | 1,630 | 1,663 |
641-21 | You’ll usually have to pay for this advice. | 641 | Personal pensions | 21 | 1,664 | 1,707 |
641-22 | How you can take your pension | 641 | Personal pensions | 22 | 1,708 | 1,737 |
641-23 | Most personal pensions set an age when you can start taking money from them. It’s not normally before 55. Contact your pension provider if you’re not sure when you can take your pension. | 641 | Personal pensions | 23 | 1,738 | 1,924 |
641-24 | You can take up to 25% of the money built up in your pension as a tax-free lump sum. You’ll then have 6 months to start taking the remaining 75%, which you’ll usually pay tax on. | 641 | Personal pensions | 24 | 1,925 | 2,103 |
641-25 | The options you have for taking the rest of your pension pot include: | 641 | Personal pensions | 25 | 2,104 | 2,173 |
641-26 | taking all or some of it as cash | 641 | Personal pensions | 26 | 2,174 | 2,206 |
641-27 | buying a product that gives give you a guaranteed income (sometimes known as an ‘annuity’) for life | 641 | Personal pensions | 27 | 2,207 | 2,306 |
641-28 | investing it to get a regular, adjustable income (sometimes known as ‘flexi-access drawdown’) | 641 | Personal pensions | 28 | 2,307 | 2,400 |
641-29 | Ask your pension provider which options they offer (they may not offer all of them). If you don’t want to take any of their options, you can transfer your pension pot to a different provider. | 641 | Personal pensions | 29 | 2,401 | 2,592 |
641-30 | Taxes and charges | 641 | Personal pensions | 30 | 2,593 | 2,610 |
641-31 | Your pension provider will take off any tax you owe before you get money from your pension pot. | 641 | Personal pensions | 31 | 2,611 | 2,706 |
641-32 | You might have to pay a higher rate of tax if you take large amounts from your pension pot. You could also owe extra tax at the end of the tax year. | 641 | Personal pensions | 32 | 2,707 | 2,855 |
641-33 | Your pension provider might charge you for withdrawing cash from your pension pot - check with them about this. | 641 | Personal pensions | 33 | 2,856 | 2,967 |
641-34 | Get regular payments from an annuity | 641 | Personal pensions | 34 | 2,968 | 3,004 |
641-35 | You might be able to buy an annuity from an insurance company that gives you regular payments for life. You can ask your pension provider to pay for it out of your pension pot. | 641 | Personal pensions | 35 | 3,005 | 3,181 |
641-36 | The amount you get can vary. It depends on how long the insurance company expects you to live and how many years they’ll have to pay you. When they calculate the amount they should take into account: | 641 | Personal pensions | 36 | 3,182 | 3,381 |
641-37 | your age and gender | 641 | Personal pensions | 37 | 3,382 | 3,401 |
641-38 | the size of your pension pot | 641 | Personal pensions | 38 | 3,402 | 3,430 |
641-39 | interest rates | 641 | Personal pensions | 39 | 3,431 | 3,445 |
641-40 | your health (sometimes) | 641 | Personal pensions | 40 | 3,446 | 3,469 |
641-41 | There are different kinds of annuities. Some are for a fixed time (for example, payments for 10 years instead of your lifetime) and some continue paying your spouse or partner after you die. | 641 | Personal pensions | 41 | 3,470 | 3,660 |
641-42 | You don’t have to buy your annuity from your pension provider. | 641 | Personal pensions | 42 | 3,661 | 3,723 |
641-43 | Invest the money in a drawdown fund | 641 | Personal pensions | 43 | 3,724 | 3,759 |
641-44 | You may be able to ask your pension provider to invest your pension pot in a flexi-access drawdown fund. | 641 | Personal pensions | 44 | 3,760 | 3,864 |
641-45 | From a flexi-access drawdown fund you can: | 641 | Personal pensions | 45 | 3,865 | 3,907 |
641-46 | make withdrawals | 641 | Personal pensions | 46 | 3,908 | 3,924 |
641-47 | buy a short-term annuity - this will give you regular payments for up to 5 years | 641 | Personal pensions | 47 | 3,925 | 4,005 |
641-48 | pay in - but you’ll pay tax on contributions over £4,000 a year | 641 | Personal pensions | 48 | 4,006 | 4,069 |
641-49 | Keeping your capped drawdown fund | 641 | Personal pensions | 49 | 4,070 | 4,103 |
641-50 | If you have a ‘capped drawdown’ fund and want to keep it, your money will stay invested. | 641 | Personal pensions | 50 | 4,104 | 4,192 |
641-51 | You can keep withdrawing and paying in. Your pension provider sets a maximum amount you can take out every year. This limit will be reviewed every 3 years until you turn 75, then every year after that. | 641 | Personal pensions | 51 | 4,193 | 4,394 |
641-52 | Withdraw cash from your pension pot | 641 | Personal pensions | 52 | 4,395 | 4,430 |
641-53 | You may be able to take cash directly from your pension pot. You could: | 641 | Personal pensions | 53 | 4,431 | 4,502 |
641-54 | withdraw your whole pension pot | 641 | Personal pensions | 54 | 4,503 | 4,534 |
641-55 | withdraw smaller cash sums | 641 | Personal pensions | 55 | 4,535 | 4,561 |
641-56 | pay in - but you’ll pay tax on contributions over £4,000 a year | 641 | Personal pensions | 56 | 4,562 | 4,625 |
641-57 | When you can’t withdraw cash | 641 | Personal pensions | 57 | 4,626 | 4,654 |
641-58 | You can’t take smaller cash sums if any of the following apply: | 641 | Personal pensions | 58 | 4,655 | 4,718 |
641-59 | you’ve already saved £1,073,100 in pension schemes over your lifetime (your lifetime allowance) | 641 | Personal pensions | 59 | 4,719 | 4,814 |
641-60 | you have some type of lifetime allowance protection | 641 | Personal pensions | 60 | 4,815 | 4,866 |
641-61 | you’re under 75, and the sums you want to withdraw are bigger than the amount of lifetime allowance you have left | 641 | Personal pensions | 61 | 4,867 | 4,980 |
641-62 | Get help | 641 | Personal pensions | 62 | 4,981 | 4,989 |
641-63 | Contact your pension provider first if you need help with a personal pension. | 641 | Personal pensions | 63 | 4,990 | 5,067 |
641-64 | If they can’t help, you can get free and impartial information from The Pensions Advisory Service (they don’t provide financial advice). | 641 | Personal pensions | 64 | 5,068 | 5,204 |
641-65 | Financial advice | 641 | Personal pensions | 65 | 5,205 | 5,221 |
641-66 | You can find a financial adviser if you want advice. You’ll usually have to pay for their services. | 641 | Personal pensions | 66 | 5,222 | 5,321 |
641-67 | If you’re over 50 | 641 | Personal pensions | 67 | 5,322 | 5,339 |
641-68 | Pension Wise has information about your pension options. If you’re over 50 you can book a free appointment to talk about your options. Pension Wise doesn’t cover the State Pension, ‘final salary’ or ‘career average’ pensions. | 641 | Personal pensions | 68 | 5,340 | 5,565 |
641-69 | State Pension | 641 | Personal pensions | 69 | 5,566 | 5,579 |
641-70 | For help with your State Pension contact the Pension Service. | 641 | Personal pensions | 70 | 5,580 | 5,641 |
641-71 | Complaints | 641 | Personal pensions | 71 | 5,642 | 5,652 |
641-72 | If you have a complaint about how your pension scheme is run, talk to your pension provider first. They have to respond within 8 weeks. | 641 | Personal pensions | 72 | 5,653 | 5,788 |
641-73 | You can also contact the Pensions Ombudsman if you’re concerned about how a pension scheme is run. | 641 | Personal pensions | 73 | 5,789 | 5,887 |
641-74 | Complain about marketing | 641 | Personal pensions | 74 | 5,888 | 5,912 |
641-75 | You can get help from the Pensions Advisory Service or complain to the Financial Ombudsman’s Service about how a pension scheme has been marketed to you. | 641 | Personal pensions | 75 | 5,913 | 6,066 |
641-76 | If your provider has broken the law | 641 | Personal pensions | 76 | 6,067 | 6,102 |
641-77 | If you think your pension provider has broken the law, you can complain to: | 641 | Personal pensions | 77 | 6,103 | 6,178 |
641-78 | the Pensions Regulator for workplace pensions | 641 | Personal pensions | 78 | 6,179 | 6,224 |
641-79 | the Financial Conduct Authority for personal and stakeholder pensions | 641 | Personal pensions | 79 | 6,225 | 6,294 |
641-80 | If your provider goes bust | 641 | Personal pensions | 80 | 6,295 | 6,321 |
641-81 | If the pension provider was authorised by the Financial Conduct Authority and can’t pay, you might get compensation from the Financial Services Compensation Scheme (FSCS). | 641 | Personal pensions | 81 | 6,322 | 6,493 |
642-0 | Overview | 642 | Plan your retirement income | 0 | 0 | 8 |
642-1 | A pension is a way to save money for later in your life. | 642 | Plan your retirement income | 1 | 9 | 65 |
642-2 | You may be able to get: | 642 | Plan your retirement income | 2 | 66 | 89 |
642-3 | a pension from the government (‘State Pension’) | 642 | Plan your retirement income | 3 | 90 | 137 |
642-4 | money from pension schemes you or your employer pay into | 642 | Plan your retirement income | 4 | 138 | 194 |
642-5 | You might need more money than just the State Pension when you retire. | 642 | Plan your retirement income | 5 | 195 | 265 |
642-6 | Find out how much State Pension you could get (your forecast) and when you can get it. | 642 | Plan your retirement income | 6 | 266 | 352 |
642-7 | Use the Money Advice Service’s pension calculator to get an estimate of your income when you retire and the ways you can increase it. | 642 | Plan your retirement income | 7 | 353 | 486 |
642-8 | Your pension options | 642 | Plan your retirement income | 8 | 487 | 507 |
642-9 | You can pay into as many pension schemes as you want. It depends on how much money you can set aside. | 642 | Plan your retirement income | 9 | 508 | 609 |
642-10 | You usually get tax relief up to certain limits on money you pay into a pension scheme. | 642 | Plan your retirement income | 10 | 610 | 697 |
642-11 | Private pension schemes | 642 | Plan your retirement income | 11 | 698 | 721 |
642-12 | | What it is | 642 | Plan your retirement income | 12 | 722 | 734 |
642-13 | Workplace pensions | Arranged by your employer. Usually both you and your employer pay into it. What you get depends on the type of scheme your employer offers. | 642 | Plan your retirement income | 13 | 735 | 895 |
642-14 | Personal and stakeholder pensions | A private pension that you pay into. Employers can also pay into them as a workplace pension scheme. What you get depends on how much is paid in and how well the investment does. | 642 | Plan your retirement income | 14 | 896 | 1,110 |
642-15 | State Pension from the government | 642 | Plan your retirement income | 15 | 1,111 | 1,144 |
642-16 | If you reached State Pension age before 6 April 2016 | 642 | Plan your retirement income | 16 | 1,145 | 1,197 |
642-17 | | What it is | 642 | Plan your retirement income | 17 | 1,198 | 1,210 |
642-18 | Basic State Pension | The basic State Pension is a regular payment you can get from the government when you reach State Pension age. The amount you get depends on your National Insurance contributions and credits. The maximum you get is £137.60 per week. | 642 | Plan your retirement income | 18 | 1,211 | 1,465 |
642-19 | Additional State Pension | An extra amount on top of your State Pension. Not a fixed amount. How much you get depends on your earnings and whether you claim certain benefits. | 642 | Plan your retirement income | 19 | 1,466 | 1,640 |
642-20 | Pension Credit | For people on a low income. Tops up your weekly income to £177.10 (single people) or £270.30 (couples). You may get more if you’re a carer, are severely disabled, have responsibility for a child, or have certain housing costs. | 642 | Plan your retirement income | 20 | 1,641 | 1,884 |
642-21 | If you reach State Pension age on or after 6 April 2016 | 642 | Plan your retirement income | 21 | 1,885 | 1,940 |
642-22 | | What it is | 642 | Plan your retirement income | 22 | 1,941 | 1,953 |
642-23 | New State Pension | The new State Pension is a regular payment you can get from the government if you reach State Pension age on or after 6 April 2016. The amount you get depends on your National Insurance contributions and credits. The full new State Pension is £179.60 per week. | 642 | Plan your retirement income | 23 | 1,954 | 2,234 |
642-24 | Protected payment | Any amount over the full new State Pension (£179.60) that you get from your National Insurance contributions or credits from before 6 April 2016 is protected. It will be paid on top of the full new State Pension. | 642 | Plan your retirement income | 24 | 2,235 | 2,467 |
642-25 | Pension Credit | For people on a low income. Tops up your weekly income to £177.10 (single people) or £270.30 (couples). You may get more if you’re a carer, are severely disabled, have responsibility for a child, or have certain housing costs. | 642 | Plan your retirement income | 25 | 2,468 | 2,711 |
642-26 | Private pension schemes | 642 | Plan your retirement income | 26 | 2,712 | 2,735 |
642-27 | Workplace pensions and personal or stakeholder pensions are a way of making sure you have money on top of your State Pension. | 642 | Plan your retirement income | 27 | 2,736 | 2,861 |
Subsets and Splits
No community queries yet
The top public SQL queries from the community will appear here once available.