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Kirk Rice Blog

  • Transfer ISA to Pension?Written on July 7, 2018 by Kirk Rice LLP

    A lot of families are doing just that because they can boost their savings and pass money on death more flexibly and tax efficiently, but it may not be suitable for you. Let’s assume that £12,500 of your income is taxed at 40% (Higher Rate Income Tax) and you have more than £50,000 in various investment […]

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  • Which Would You Choose? £1m Or £33,000 Per Annum Increasing By 3%pa for life.Written on May 10, 2018 by Kirk Rice LLP

    For many of the people being offered these tantalising sums of money from a final salary pension, this will be the type of decision they probably have not made before. For most, they will also have very limited experience or knowledge of how to manage money. Until 2015 the law required these same people to […]

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  • Pension Drawdown – Are Women Worse Off Than Men?Written on April 25, 2018 by Kirk Rice LLP

    In retirement prior to 2015, most pension money was converted into a guaranteed income for life which often made the situation even worse for spouses.  Most people bought a pension annuity that would only provide 50% of the income after their death for their spouse or dependant. Since the introduction of Flexi Access Drawdown very […]

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  • Pension Contributions – Is It Beneficial For Me To Incorporate My Business?Written on April 12, 2018 by Kirk Rice LLP

    From a taxation perspective, as a self-employed person you and your business do not have a separate identity; you may have a trading name but in effect you and the business are one and the same. Incorporating means you and the business will have two separate identities for taxation purposes. Any profit your Limited company […]

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  • Preserved Final Salary Pension – What is it?Written on November 28, 2017 by Kirk Rice LLP

    You will now have a Preserved Final Salary Pension with your previous employer which will be calculated based on your length of Service with them (date of joining the Pension to date of leaving). Your Final Salary at date of leaving and finally the Schemes Accrual Rate which will typically be 1/60th or 1/80th. If […]

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  • Pension Transfer – Is This A Good Idea?Written on November 2, 2017 by Kirk Rice LLP

    Whether or not pension transfer is a good idea, is a regular question from clients who may have started the transfer process and been told to seek advice. If you come to me for advice this is what I would do. We will discuss when you want to retire and how much money you’ll need to meet your lifestyle […]

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  • Property Let Or Pension For Retirement Income?Written on September 13, 2017 by Kirk Rice LLP

    Whether it is right for you depends on many factors. I’ll contrast the features of property let and pensions that I think you should consider. Long-term investors seek to diversify their money into many different types of investment and seek an increasing income. Historically, UK commercial property has provided increasing income. Demand from investors for […]

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  • Guaranteed Income In Retirement?Written on August 17, 2017 by Kirk Rice LLP

    The beauty of an annuity is the income will continue throughout your life, whatever happens in the markets. You decide which options to include, such as whether you want a fixed or rising income, a payment on, or continuing after your death, the contract is secured and you never need to review it. The annuity […]

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  • Employer Pension Contributions RisingWritten on August 2, 2017 by Kirk Rice LLP

    Automatic enrolment is nearly five years old and The Pension Regulator announced on 11th July 2017 that over 8 million employees have been automatically enrolled into workplace pensions. More than 642,000 employers have complied with the new regulations. Another 500,000 employers are working through the introduction of auto enrolment over the coming 8 months. It’s […]

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  • My Pension Includes ‘Lifestyling’. What Is This?Written on July 23, 2017 by Kirk Rice LLP

    Lifestyling will gradually move your Pension Fund/s to Cautious Funds/Assets as you get closer to retirement. The process will typically start 5 to 10 years prior to your nominated Retirement Age although it will vary from one provider to another as will the actual timing i.e. it could happen monthly or annually. The aim is […]

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