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Auto Enrolment Workplace Pensions – Fast Setup

  • Posted by Rizwan on November 20th, 2015 (Pensions)

The auto-enrolment process is highly complex. Firms will need to implement a scheme by a particular date, called their “staging date” which is determined by their payroll size in 2012. To do this, you need to assess which employees will need to be enrolled in the scheme and this is based on employees’ ages, wages […]

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Auto Enrolment Workplace Pension Questions Answered

  • Posted by Rizwan on July 24th, 2015 (Pensions)

We have set-up numerous auto enrolment workplace pension for all types of business over the past 18 months and the following are questions regularly asked:- Who qualifies? An employee will be automatically enrolled into the pension scheme if:- are age at least 22 are under state retirement age earn more than £10K work predominately in […]

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Auto Enrolment Workplace Pension Free Presentation

  • Posted by Rizwan on July 22nd, 2015 (Pensions)

It is now a legal requirement for ALL employers to auto-enrol employees into workplace pension schemes. If you start date is fast approach and we are presently offering to deliver a free presentation to your staff which will aim to educate you on the proposed changes. Areas to be covered are:- • What does Auto […]

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Pension options for divorcing couples

  • Posted by Rizwan on June 22nd, 2015 (Pensions)

There are a three options when couples divorce, divorce settlement, earmarking, offsetting or sharing; I have explained them in detail below:- PENSION SHARING With Pension sharing a court order is issued splitting the members pension by a specific percentage. This then creates potential future pension debit on the members pension benefits. OFFSETTING This is the […]

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What is the tax payable if I take my entire personal pension as a lump sum?

  • Posted by Rizwan on June 18th, 2015 (Pensions)

Only 25% of your pension fund is tax free (pension commencement lump sum); the remaining is taxable and subject to income tax. For your information, the emergency tax code we will use for 2015/16 is 1060L on a month 1 basis. Code 1060L month 1 taxes individual payments at the following rates: On the first […]

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Pension Freedom & Choice

  • Posted by Rizwan on May 17th, 2015 (Pensions)

The Chancellors budget on 19 March 2014 paved the way for change in the way people accessed their pension savings. At retirement you can now decide how much you want from your pension fund in a particular tax year. You may take all your 25% Pension Commencement Lump Sum and designate the rest of the […]

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Regulator starts to fine companies who fail to comply with Auto Enrolment Workplace Pension.

  • Posted by Rizwan on May 8th, 2015 (Pensions)

The Pensions Regulator has sent out 198 foxed penalty notices to employers for the first quarter of this year. Small to medium size businesses are now either implementing or getting their initial contact letter from the Pensions Regulator. It is the duty of the employer to initial register with the Pensions Regulator and begin the […]

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Sharia Islamic Pension & Investment Fund Focus – HSBC Amanah

HSBC Amanah investment and pension fund is over 10 years old and has provided Muslims across the country the opportunity to invest in a Sharia compliant manner. The equity (stocks and shares) based fund is predominately invested in America, with household names forming a large percentage of the fund; such as Apple, Microsoft, Exxon Mobil, […]

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Auto Enrolment Workplace Pensions a Win Win for Employees

  • Posted by Rizwan on April 19th, 2015 (Pensions)

Every eligible employee will be able to join a workforce pension, gaining tax relief on contributions and more importantly getting an employer contribution. For example if an employee contributes 80pence, they will receive 20 pence tax relief from the taxman and a further £1 contribution from their employer; suddenly this contribution of 80 pence turns […]

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Auto Enrolment Workplace Pensions to hit small businesses hard

  • Posted by Rizwan on April 17th, 2015 (Pensions)

Small businesses are now receiving notification about their workplace pension staging date from The Pensions Regulator. Since the beginning of the year we have seen businesses from all areas of the country (Preston, Manchester, London) and all have the same questions:- Is it compulsory? How much do I have to contribute? Do I have to […]

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