Colinstewart76
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- Colinstewart76
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Comments
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Hi @stone_h ;; My understanding is a protected retirement age is not, in itself, a safeguarded benefit and so PTS sign off shouldn't be necessary unless the scheme has guarantees that fall under the definition of safeguarded. Perhaps this will help…
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I love the bigtent - I was hunting for said GMP deferral formula and here it is - excellent timing
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Ah thanks Susan. The plot thickens....
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Thank you - we do have an immediate retirement quote from the scheme so, with a bit of fiddling on Selectapension I was able to work out that it was almost the same as S52a (there was a small variance in the projected pension vs the immediate quote …
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Thanks :-)
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Thanks @benjaminfabi - begs the question whether the provider will also refund the net excess contribution back to the member - I guess any reasonable provider would offer the opportunity but there is the problem of potential loss on that money in t…
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Thanks Susan - I thought contacting the provider might be the way to go first with this one.
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Thanks Jona, but I don't believe they are liable for an annual allowance tax charge as the contribution was lower than the annual allowance.
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Hi all - agree with Ben on this - dead easy to input into SAP, just another GMP element. Ben, thanks very much for the CPD :-)
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Depends..... IMO you have to strip out advice/planning fees and look at everything else. The advice/service part of the TCO should only be judged relative to the value of the service provided. If advice/service alone is 2% p.a. and it's worth it t…
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Thanks all - I'll give them all a go
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Thanks Dan - was AJ Bell I spoke to - will try Rowanmoor
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Good idea.
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If I were him I'd consider a pension switching analysis tool if there's likely to be a lot of that. Selectapension is pretty good in my experience
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I'd give the CISI a call - they're pretty helpful with that sort of stuff
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I should probably enter as an independent so as not to drag down the Team TP performance average
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Looking forward to it. If anyone wants a lift there or back from Edinburgh area give me a shout - it'll be a very early start on Weds as I'm going to the pre workshop and driving back straight after conference ends on the Thurs evening.
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Nice work
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Here's one that I find very useful XIRR - it calculates the internal rate of return for a cashflow where dates of inflows and outflows are irregular. Say you wanted to work out what annual return has been achieved over the life of an investment wh…
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EVEN though they have the tax code - that seems mean
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Are you subscribed to the other part of synaptic (name escapes me) which compares products rather than platforms? They might be in there.
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Hi everyone. I work at the Paraplanners alongside Richard, Kim, Claire, Gemma and Kat - what a team!. I'm based at home, Penicuik, south of Edinburgh. I spend most of my time doing cash flows and technical pensions work (isn't all pensions work tec…