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UK Pensions & Retirement Guides

11 guides on State pension, workplace pension, SIPP, contributions, drawdown, annuities.

Annuity Guide — InvestmentKit

UK annuity guide: single and joint life annuities, level vs escalating, fixed-term, investment-linked, enhanced annuities, open market option, drawdown comparison.

Pension Contributions — InvestmentKit

UK pension contributions guide: annual allowance £60k, tapering, money purchase annual allowance, carry forward, net pay vs relief at source, recycling rule.

Pension Death Benefits & IHT — InvestmentKit

From 6 April 2027, unused pension funds and death benefits are included in the estate for IHT. Guide to the new rules, income tax charges, nomination forms, and planning strategies.

Pension Death Benefits — InvestmentKit

UK pension death benefits guide: nomination forms, dependant vs nominee vs successor, tax-free lump sums, marginal rate tax over 75, IHT inclusion from 2027, trust planning.

Pension Drawdown — InvestmentKit

UK pension drawdown guide: flexi-access drawdown, UFPLS, capped drawdown, 25% tax-free lump sum, tax on withdrawals, income flexibility and death benefits.

Pension Lifetime Allowance — InvestmentKit

Pension lifetime allowance abolished from 2024/25, lump sum allowance £268,275, lump sum death benefit allowance, transitional protections, overseas transfers.

Pension Tax Relief — InvestmentKit

UK pension tax relief guide: relief at source, net pay arrangement, annual allowance charge, scheme pays, carry forward, claiming higher-rate relief through Self Assessment.

Retirement Planning — InvestmentKit

UK retirement planning guide: state pension timing, workplace vs personal pensions, ISAs, property, part-time work, inflation and longevity risk, care fees and estate planning.

SIPP Guide — InvestmentKit

Complete SIPP guide: Self-Invested Personal Pensions, tax relief at marginal rate, contribution limits, investment choices, drawdown and annuity options.

State Pension — InvestmentKit

UK State Pension guide: new State Pension rates, basic pension, qualifying years, NI contributions, deferring, contracted-out deductions, and forecasting.

Workplace Pension — InvestmentKit

UK workplace pension guide: auto-enrolment, 8% minimum contributions, employer duties, staging dates, qualifying earnings thresholds, opt-out and re-enrolment.

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