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Whether you're saving for old age, about to retire or already have - here's why you need to give your pension some attention in 2015

An overhaul of the pension system is underway and key reforms announced in the past year are set to go live in 2015 - practically every aspect of saving for retirement has been the subject of scrutiny and change.

In no particular order, the investment charges that workers pay when they save into a pension are being examined for the first time and companies are under pressure to lower them. Meanwhile, more workers will save into a pension as the roll-out of the Government's auto-enrolment scheme stretches to more companies.

Tax changes mean beneficiaries will be able to inherit a greater slice of a loved one's pension after death, and people will begin to find out how much they can expect to receive under the new 'flat-rate' state pension that begins in 2016. Those already 65 or over are waiting to snap up market-busting returns from new Government-backed pensioner bonds.

Perhaps most important of all, the changes announced in the 2014 Budget - which mean many more will be able to retire and pull money from their pension without buying an annuity - begin in April.

Almost everyone stands to benefit from reassessing their pension arrangements in light of the range of changes.  Go to the link below to find out more:

http://www.thisismoney.co.uk/money/pensions/article-2890203/What-need-know-pensions-2015.html

Source:  thisismoney.co.uk

Sam: 7th Jan 2015 14:55:00

 

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