Articles and case studies

Why would anyone buy annuities at current rates?

It’s common knowledge that annuity rates are presently low, making annuities an expensive way to convert your pensions savings into lifetime income at retirement. But just how low are they?

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Tideway DB Transfer Case Study 1
Accessing a larger tax free cash sum and continuing to work

A key attraction of taking a DB transfer for some members is getting access to a tax-free cash sum, often significantly bigger than available from the scheme and several years early; then having the option not to take a pension but to carry on working. Nigel (not his real name) did exactly that with advice and help from Tideway in 2017. Our case study looks at why he took the transfer offer, what he did with the funds and how his and his family’s position are panning out.

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Tideway DB Transfer Case Study 2
Taking a transfer to create more cash and income in the early years of retirement

Most of us are entitled to a state pension and as a couple who have both worked and paid national insurance contributions you could anticipate as much as £17,600 p.a., although for those still in the 50’s these won’t be paid until age 67. For some who take defined benefit transfers in their mid 50’s the transfer can provide both a bigger tax-free cash sum and higher income (than the scheme pension) in the early years, with flexibility to reduce it later in life. This allows them to smooth out their income to include the state pensions, sometimes called ‘bridging’ to the state pension age.

Mark (not his real name), a Tideway client who transferred with us in 2016, is doing just that.

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Free Defined Benefit Pension Transfer Seminars

Tideway Investment Group comprises the following entities: Tideway Investment Partners LLP; Tideway Wealth Management Limited and Tideway Asset Management Limited. Tideway Asset Management Limited and Tideway Wealth Management Limited are appointed representatives of Tideway Investment Partners LLP, which is authorised and regulated by the Financial Conduct Authority. FCA number: 496214.

Tideway Wealth Management Ltd
107 Leadenhall Street
London EC3A 4AF

+44 (0)20 3143 6100
info@tidewayinvestment.co.uk

© Tideway Investment Group 2019

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