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Pensions

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Pensions
December 12, 2022

The Autumn Statement and your pension 3>

There has been a lot of change in the UK’s political realm since the summer. Three Prime Ministers and two budgets from separate chancellors. It is little wonder that many are confused about their pension…
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Pensions
October 6, 2022

Don’t panic about your pension 3>

The Bank of England (BoE) recently intervened in the UK bond market to try and “save” pension funds from collapse. At Castlegate, we understand that this has caused some to worry...
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PensionsRetirement
September 5, 2022

Is Buy to Let better than a pension for retirement? 3>

Britain is unique in Europe for its love of home ownership. In 2018, 65.25% of Britons owned their own property – up from 65% the year before. The idea of buying a property, living in…
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Pensions
August 23, 2022

Should I defer my State Pension? 3>

You do not have to start taking your State Pension as soon as you reach State Pension age (i.e. age 66 in 2022). Instead, you can choose to defer it – potentially allowing you to…
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Pensions
July 5, 2022

A short guide to taxes on pensions 3>

After a career of paying taxes, you can be forgiven for thinking you do not need to pay taxes in retirement. However, this is not usually the case. In the UK, pensions are subject to…
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Pensions
June 24, 2022

Is a public sector pension the best type? 3>

Recently the media has spoken of the “great pension divide”, with private sector workers getting as little as £3 in retirement for every £1 saved. Public sector employees, however, receive as much as £10. This…
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Pensions
April 21, 2022

Early retirement: how to avoid running out of money 3>

As financial planners, perhaps the most common question we receive is: “How do I keep myself from running out of money when I retire?” This is understandable. In retirement, you no longer rely on a…
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InvestmentsPensions
February 21, 2022

The Lifetime Allowance: a short guide 3>

There is a limit to how much you can save into your pension(s). Yet many people are at risk of unwittingly exceeding this threshold (the “Lifetime Allowance”, or LTA) – leading to a punishing tax…
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Pensions
January 10, 2022

Interest rates & annuities in 2022 3>

Have you wondered about the best way to fund your future retirement? Broadly speaking, a pension pot is commonly used in one of two ways to provide an income. The first is to go into…
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Pensions
December 9, 2021

How might working from home affect retirement? 3>

Prior to COVID-19 in 2020, working from home was gaining popularity in the UK. In 1981, only 1.5% reported that their role was mostly remote, but by 2019 this stood at 4.9%. Following the Government’s…
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