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But note that a personal pension plan cannot be surrendered early for cash.
Instead, Tom paid into a personal pension plan.
On low earnings the rebate payments will be too small to justify the personal pension plan charges.
Stakeholder schemes are a type of personal pension plan with statutory minimum standards.
The personal pension plan is the same as a group plan, except that you take it out as an individual.
More than 4.6m people have contracted out of the state scheme into personal pension plans since their introduction in 1986.
Does it come with a personal pension plan?'
Some financial decisions, such as those affecting company or personal pension planning, need to be taken as early as possible.
There are several different types including company, personal, stakeholder, self-invested and group personal pension plans.
Group personal pension A collection of personal pension plans provided by an employer for its employees.
Self-employed and other personal pension plans.
Although personal pension plans are now being taken up fast enough to alter the Chancellor's tax sums, there was little evidence of their popularity in the survey.
A group personal pension scheme is a collection of individual personal pension plans grouped together and run by the pension provider.
THE attractions of personal pensions has been enhanced by a change in the rules allowing individuals to manage their own investments within a personal pension plan.
Personal Pension Plan (15,000.00)
SIPPs are a type of Personal Pension Plan.
But what, the best thing to do is get organised on it, and do it on a weekly basis, say, self-development this week is the personal pension plan.
Instead of going into either SERPS or a contracted-out company pension scheme, they will be paid directly into your personal pension plan.
The HMRC rules allow for a greater range of investments to be held than Personal Pension Plans, notably equities and property.
The Writers' Guild Pension Scheme provides personal pension plans customised for freelance writers who may need to make irregular and sometimes small pension contributions.
If you join an occupational pension scheme or have a stakeholder or personal pension plan you may be able to 'contract out' of the State Second Pension.
People who are self-employed are not included in SERPS and can therefore only provide for their retirement with a personal pension plan plus the basic state pension.
Where an employee contracts out of the additional State Pension with a stakeholder or personal pension plan, both the employer and employee continue to pay NICs at the full rate.
Off course one could also continue a personal pension plan at the same time into which only your employer would pay the usual range of between 3% to 7% of salary of employer contributions.
MEMBERS of company pension schemes are to be given special guidance notes in the face of mounting concerns that they are being badly advised to transfer into private personal pension plans.
In addition, many systems also provide tax exemption for personal pension schemes.
Employees can also make regular payments for their retirement through individual personal pension schemes.
Also, personal pension schemes sometimes have high transfer penalties.
One idea is to find out if there is an optional group personal pension scheme.
For personal pension schemes, you need to inform and consult on changes about:
Rules for contributions, benefit withdrawal etc. are the same as for other personal pension schemes.
You can ask your personal pension scheme provider for specific information about your pension.
You may be thinking of offering, or have already offered, your employees a stakeholder or group personal pension scheme.
But from 11 October personal pension schemes may introduce facilities allowing scheme members to direct how funds are to be invested.
If you are a member of a company or personal pension scheme, the scheme administrators may also be able to provide you with this information.
But all other pension rights, whether through occupational or personal pension schemes, would in principle be divisible.
If your employees are in contracted out stakeholder or personal pension schemes, their scheme provider will inform them of these changes.
"So they want to push personal pension schemes, and they would like to see more company schemes.
However some employers may choose to use the same method of paying contributions that personal pension scheme providers use - see below.
Contributions to a personal pension scheme must be deducted from employees' net pay after deduction of tax and NI.
The term is not used in the UK, where analogous pension arrangements are known as personal pension schemes.
Like personal pension schemes, stakeholder pensions must provide an income in retirement using a minimum of 75% of the fund.
Personal pension schemes, including stakeholder pension schemes, are provided by financial institutions such as insurance companies, banks and building societies.
If you contract out because you have an appropriate stakeholder or personal pension scheme you'll keep paying full-rate National Insurance contributions.
The company also treats its 45 employees well, paying them for overtime, offering private healthcare provision and a group personal pension scheme, just to name a few.
A group personal pension scheme is a collection of individual personal pension plans grouped together and run by the pension provider.
These factors, plus the existence since 1988 of substantial tax breaks for those who invest in personal pension schemes (PPCs).
Appropriate Personal Pension Scheme Manual - Procedural Guidance - Internet only.
The FSA guide only covers stakeholder pension schemes and group personal pension schemes.
Occupational and personal pension schemes will have to guarantee a minimum pension before they can contract out, and guarantee equal treatment for men and women.