Sweetland Associates Limited

Pensions

• Alternatively Secured Pensions
• Annuities
• Phased Retirement
• Income drawdown
• Company Schemes

Latest News

Funds

• Banks admit better disclosure on bonuses needed
• BRICs - victims of success with global investors?
• Oil oversupply inspires tactical trade

Markets

• Investors  turn to linkers and gold to hedge uncertainty
• Volatility and poor returns killing equities cult
• Bold financial seers look to models rather than the herd

Personal Finance

• China tells state companies to explore Potash bid

Stocks and Shares

• China tells state companies to explore Potash bid
• Dubai launches Islamic commodity hedge fund Index
• Potash Corp puts pressure on BHP to raise bid

Stakeholder summary

If you just want a quick overview of what a stakeholder pension plan is, look no further!

• Tax relief on contributions at your highest marginal rate
  
  
• A money purchase scheme
  
  
• Minimum contribution of not more than £20
  
  
• Permissable contribution limit of up to £3,600 pa gross (without evidence of earnings) or 100% of earnings. (subject to the Annual and Lifetime allowance)
  
  
• A single annual management charge of not more than 1.5% of the plan value, taken from the fund/s for the first 10 years, then 1% thereon. There are no up front charges.
  
  
• You are free (no charges or penalties) to:
  - Stop, increase, decrease or restart your pension contributions at any time
  - Transfer your money to another stakeholder scheme.
  
  
• All plans will have a default investment choice, this is designed to help make purchasing a Stakeholder pension plan easier, but it doesn’t guarantee the default fund will necessarily be the right one for you, we recommend advice be sought.