{"id":4184,"date":"2022-10-20T14:44:10","date_gmt":"2022-10-20T14:44:10","guid":{"rendered":"https:\/\/trueadvicefinancialservices.co.uk\/news\/?p=4184"},"modified":"2024-06-05T14:42:50","modified_gmt":"2024-06-05T14:42:50","slug":"getting-the-most-out-of-your-pension-savings","status":"publish","type":"post","link":"https:\/\/trueadvicefinancialservices.co.uk\/news\/getting-the-most-out-of-your-pension-savings\/","title":{"rendered":"Getting the most out of your pension savings"},"content":{"rendered":"

Pensions have been all over the news lately<\/h2>\n

If you are paying any sort of attention to the mainstream media, you will be hearing about pensions. They are talking a lot about the rising costs of gilts and whether the state pension will increase in line with inflation. The markets are turbulent at the moment so you will be bombarded with this sort of stuff. All this aside, getting the most out of your pension savings currently can help you retire early.<\/p>\n

There are many different ways the you can make the money go further. Getting the most out of your pension<\/a> savings<\/a> is something you should be clued up on. It’s probably not something a lot of people talk or think about though, until it’s too late. Let’s look at some ways you can really make your pension pot go further.<\/p>\n

Getting the most out of your employer<\/strong><\/h3>\n

When given the option to join a workplace pension, it is almost always a smart idea to do so. Most employers are required to automatically enrol you in a workplace pension scheme, and you may be given a pension plan even if you do not satisfy the qualifications.<\/p>\n

Workplace pension schemes are made up of your personal contributions (5% or more of wages) that are withdrawn from your paycheck, frequently before you pay tax, making it simpler to save, and your employer’s contribution, which must be at least 3% of your earnings.<\/p>\n

Many businesses give more or match any additional contributions you make, so it’s worth checking to see whether you’re making the most of this useful perk.<\/p>\n

The government can be your friend<\/strong><\/h3>\n

Anyone who chooses not to invest in a workplace or personal pension also declines government assistance. This is because, in order to encourage individuals to prepare for retirement, the government gives a supplement to pension payments known as ‘tax relief.’<\/p>\n

The manner in which you obtain tax relief is determined by the type of plan you have and the rate of income tax you pay. However, if you are a basic rate taxpayer and contribute to a personal pension in the current tax year, you will receive 20% tax relief on your payments. So, if you contribute \u00a3200 per month into your pension plan, the \u00a340 in tax relief means it will only cost you \u00a3160.<\/p>\n

Higher or extra rate taxpayers may be able to claim even more. Some workplace pension plans provide tax savings in other ways, such as through salary sacrifice or exchange schemes, so check with your employer if you’re unsure how this works for you. In addition, the tax relief specifics change significantly in Scotland. But the main argument is the same in all of these cases: every time you delay paying into a pension plan, you lose out on an additional boost.<\/p>\n

Always review your retirement plans<\/strong><\/h3>\n

You may not want to discuss your pension plan every day, but rejecting pensions as uninteresting is a mistake that grows more serious over time. While this may be challenging at the present, efforts like topping up your payments, particularly if you are in your 20s, 30s, or early 40s, may make a significant impact due to the snowball effect of compounding.<\/p>\n

Understanding your workplace or private pension, as well as knowing how to earn more ‘free’ payments from your company or the government, or utilising it to pay less tax (for example, through bonus sacrifice), might make a significant difference in your long-term finances.<\/p>\n

Putting as little as possible towards your pension is unlikely to be enough<\/strong><\/h3>\n

Although auto-enrollment has increased pension savings for millions of individuals, the 8% minimum contribution may not provide you with the retirement lifestyle you need. It’s therefore critical to plan your retirement lifestyle – the PLSA calculations can help here since they may offer you a genuine figure to strive for, and you can then work out what’s practical and put the required actions in place to help you accomplish your objectives.<\/p>\n

With all this in mind, it’s good to have a clear objective as to what you need and want from retirement. Getting the most out of your pension savings is key to this. To help, it’s best to enlist the help of a professional. Our financial advisors have plenty of experience and are waiting to help you. Contact us<\/a> today and see how we can tailor our expertise to your scenario.<\/p>\n

Regulatory Statements<\/strong><\/h3>\n

Equity Release<\/strong><\/h4>\n

Equity Release plans are not right for everyone. And it is important that you fully consider your options and receive independent financial advice before making a decision. It is also important that, if you do decide to use an equity release product, you choose one that meets your needs.<\/p>\n

Remember that taking an equity release plan is generally a long term option. However, there are flexible plans available that may fit your varying needs and some will allow you to repay in the future without penalties.<\/p>\n

Buy to Let Mortgages<\/strong><\/h4>\n

Some Buy to Let Mortgages are not regulated by the\u00a0FCA<\/a>.<\/p>\n

Mortgages<\/strong><\/h4>\n

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE<\/p>\n

Investments<\/strong><\/h4>\n

All investments involve a degree of risk of some kind. This section describes some of the risks which could be relevant to the services we provide you. We may provide further risk information during the course of our services to you, as appropriate.<\/p>\n

Our services relate to certain investments whose prices are dependent on fluctuations in the financial markets outside our control. Investments and the income from them may go down as well as up and you may get back less than the amount you invested. Past performance is not a guide to future performance.<\/p>\n

True Advice Financial Services is a trading style of TA and SE Hollom Ltd. Which is an Appointed Representative of\u00a0New Leaf Distribution Ltd<\/a>. Which is authorised and regulated by the\u00a0Financial Conduct Authority<\/a>\u00a0: Number 460421.<\/p>\n

Registered Office : New Leaf Distribution Limited, 165 – 167 High Street, Rayleigh, Essex, SS6 7QA<\/p>\n","protected":false},"excerpt":{"rendered":"

Pensions have made the news quite a bit recently. With the state pension being talked about increasing in line with inflation. How exactly can you make the most of your own pension though? <\/p>\n

Making your own savings go as far as possible is really key. Pension planning is a long term process so making sure you are getting all the possible benefits is quite key. We take a look here at some tips that can help you with this.<\/p>\n","protected":false},"author":3,"featured_media":4210,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"default","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"default","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center 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Hollom","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/trueadvicefinancialservices.co.uk\/news\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/73b321f16f5db6dd0f7da2d6177b7a23?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/73b321f16f5db6dd0f7da2d6177b7a23?s=96&d=mm&r=g","caption":"Tony Hollom"},"description":"Tony Hollom is an experienced Financial Adviser at True Advice Financial Services, offering bespoke financial solutions since 1983. With a wide range of expertise, Tony advises on mortgages, investments, and pensions, ensuring clients receive tailored and beneficial advice. His qualifications include the LIBF Level 3 Certificate in Regulated Equity Release, IFS Level 4 Diploma for Financial Advisers, and several other certifications. Tony prides himself on delivering professional, efficient, and thorough service, helping clients navigate financial challenges with confidence. Outside of work, he enjoys traveling and exploring new places with his wife.","url":"https:\/\/trueadvicefinancialservices.co.uk\/news\/author\/tony\/"}]}},"_links":{"self":[{"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/posts\/4184","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/comments?post=4184"}],"version-history":[{"count":3,"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/posts\/4184\/revisions"}],"predecessor-version":[{"id":4286,"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/posts\/4184\/revisions\/4286"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/media\/4210"}],"wp:attachment":[{"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/media?parent=4184"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/categories?post=4184"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trueadvicefinancialservices.co.uk\/news\/wp-json\/wp\/v2\/tags?post=4184"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}