Home Employers Managing a scheme Stakeholder pensions. Stakeholder pensions With the introduction of automatic enrolment duties for employers, you no longer need to provide access to a stakeholder pension scheme for your staff. On this page Key points Removal of stakeholder pension duties Existing stakeholder schemes Automatic enrolment and stakeholder pensions Contributions to schemes provided by employers Back to top. Key points Employers no longer need to provide access to a stakeholder pension scheme for their staff.
Removal of stakeholder pension duties Since the automatic enrolment legislation was introduced on 1 October , employers with five or more staff no longer have to choose a stakeholder pension scheme for them. Automatic enrolment and stakeholder pensions You may be able to use your stakeholder scheme for automatic enrolment provided it meets the necessary criteria.
Contributions to schemes provided by employers You must pay staff contributions to schemes within a specified timescale. You need to keep payment records and tell the trustees or stakeholder manager of any changes.
Is this page useful? Problems with this page? Page not useful? Why not? What were you doing? And you can change that amount or stop and start payments when you need to. Standard Life offers straightforward investment options.
You can choose from two strategic lifestyle profiles, which invest your money in funds and moves them as you get closer to retirement.
If you don't want to choose a fund, that's fine too. Standard Life will automatically invest your money into a Lifestyle Profile. Interactive Investor has more than 40, investments to choose from, including UK and overseas shares, funds, investment trusts, and ETFs. You get a free trade every month, which you can use to buy or sell any investment. It also has several ready-made funds and expert ideas to make it easy to choose investments. Terms apply. Hargreaves Lansdown has thousands of investments to choose from, including UK and overseas shares, funds, investment trusts, and ETFs.
Choose your own investments with expert research and ideas to help you, or simply pick a ready-made portfolio. Manage via website, app or phone. These services are intended for investors happy at making their own decisions. Capital at risk. Other charges apply. If you are confident about picking your investments, AJ Bell Youinvest has thousands of investments for you to choose from, including shares, funds, investment trusts, and ETFs. And you can manage them online or with its mobile app.
If you need help choosing, it has four ready-made portfolios and other investment ideas. AJ Bell Youinvest does not offer advice. Pension rules apply. Moneyfarm is a UK robo advisor that provides you with a personalised investment plan based on your risk preferences. Help with meeting goals, tax-friendly saving, saving for children. Stakeholder pensions are a type of individual pension. Some employers offer them, but you can also start one yourself. Charges and investment options vary, depending on the pension company.
Your contributions are usually invested in stocks and shares, along with other investments. The aim is to grow the fund over the years before you retire. Lifestyling is when your funds are moved — normally automatically - into lower risk investments as you approach retirement. If in doubt, speak to a regulated financial adviser who can advise you whether lifestyling is something you want to consider or not, given your personal circumstances.
Find out how much you might need to save by using our Pension calculator. But you must usually be at least aged 55 57 from If you need help making sense of how and when you can access your pension pot, you can speak to a Pension Wise, a free service from Money Helper. Book your free appointment. If your employer offers you a stakeholder pension, they will have chosen the pension provider. They might also arrange for contributions to be paid from your wages or salary.
You can continue paying into an existing stakeholder pension. MoneyHelper is the new, easy way to get clear, free, impartial help for all your money and pension choices. Whatever your circumstances or plans, move forward with MoneyHelper. Download app: WhatsApp. For help sorting out your debts or credit questions. For everything else please contact us via Webchat or telephone. Got a pension question? Our help is impartial and free to use.
Get in touch online or over the phone on Benefits if you have children Entitlements to help with the cost of pregnancy or bringing up children. Benefits if you're sick, disabled or a carer Understand what support is available for coping with ill health.
Benefits in later life You may be entitled for help with other costs on top of your State Pension. Problems with benefits What to do if something goes wrong with your benefits.
Benefits All Benefits guidance. Tool Money Navigator. Money Manager. Banking How to choose, use and manage bank accounts. Budgeting How to budget, find the best deals and switch to save money.
Buying and running a car How to buy and finance a car, deal with problems with car finance, and cut running costs. Credit and purchases Credit basics, applying for credit, credit ratings and problems with credit. Insurance Insurance for cars, health, travel, and help with insurance. Types of credit Store cards, credit cards, overdrafts, payday loans and illegal lending. Everyday money All Everyday money guidance.
Tool Compare bank accounts. Budget Planner. Credit card calculator. Couch to Financial Fitness. Becoming a parent Having a baby, returning to work, childcare costs. Death and bereavement Wills, inheritance, sorting out estates.
Divorce and separation Sorting out money and homes, what if you have children, money after break ups. Illness and disability Managing costs, extra financial support, help with work or study. Long-term care Paying and getting funding, ways to pay, problems with care. Student and graduate money Credit cards, bank accounts, student debts.
Talk money Difficult conversations, talking to teenagers, older people and partners. Calculator Divorce calculator. Baby costs calculator. Buying a home Mortgages, help buying, remortgaging, first-time buyers, help and support. Renting Renting a home to live in, renting out a home, and overcoming problems.
Homes All Homes guidance. Calculator Stamp Duty calculator. Mortgage affordability calculator. Mortgage calculator. Coronavirus Support with work, housing, loans and money. Dealing with debt Bills, court fines, help with debts.
0コメント