Hmmm......
I have several old (small) pensions, 1 open one (which I haven't paid into for years as I couldn't see much in the way of growth) & the others paid up.
SWMBO has a local authority pension she pays into & several paid up, again all quite small.
If things go to plan I may have another 9 years of work before state retirement age & SWMBO has 14 years.
In addition to the small pensions we have a couple of endowment policies paying up, a flat to sell and a lump to take out of my business.
I feel I need advice on the small pensions, particularly following the recent pension rule changes, to avoid paying un-necessary tax.
For the "lump" I wouldn't mind handling the investment myself through the likes of Hargreaves Lansdown but at the moment would probably need some pointers to get started.
I would like to achieve a minimum 5% return on the investments after fees if that's possible these days.
I have several old (small) pensions, 1 open one (which I haven't paid into for years as I couldn't see much in the way of growth) & the others paid up.
SWMBO has a local authority pension she pays into & several paid up, again all quite small.
If things go to plan I may have another 9 years of work before state retirement age & SWMBO has 14 years.
In addition to the small pensions we have a couple of endowment policies paying up, a flat to sell and a lump to take out of my business.
I feel I need advice on the small pensions, particularly following the recent pension rule changes, to avoid paying un-necessary tax.
For the "lump" I wouldn't mind handling the investment myself through the likes of Hargreaves Lansdown but at the moment would probably need some pointers to get started.
I would like to achieve a minimum 5% return on the investments after fees if that's possible these days.