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Product Description
Adviser
'As a personal guide to understanding how to save effectively for
old age, this is as good as it gets'
--This text refers to an alternate Paperback edition.
old age, this is as good as it gets'
--This text refers to an alternate Paperback edition.
Product Description
Gone are the days when you could rely on the state pension to provide a comfortable retirement. But, with all the options out there, how much do you save, and how?
Using clear, easy-to-follow language, Pensions Explained describes exactly how pensions work and takes a realistic look at how you can safeguard your future, covering State Pensions, work-based pension schemes, NEST and personal pensions. Find out how much you need to save now in order to afford the retirement you want, and how to invest your pension fund to gain maximum benefit.
This invaluable guide also gives advice on plugging gaps in your pension, leaving a pension scheme early, and explains how pensions can affect your family, including planning for your family's financial security after your death, and making arrangements in the event of a divorce.
Whatever stage you're at in your life, Pensions Explained will help you navigate the pensions maze and take control of your future.
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Customer Reviews
Most Helpful Customer Reviews
4 of 4 people found the following review helpful
Format:Paperback|Amazon Vine™ Review
(What's this?)
Lays everything out about pensions in a clearly understood manner, explaining the jargon, the multitude of options, and how and when to invest so as best to gain value out of the greatest crime ever perpetrated ; the crime that Brown foisted whereby pensions were seen as a liability to be wiped off a balance sheet. I don't understand my pension, and paying into one is criminally hard in this recession with every increasing bills and shrinking salaries designed to impoverish all of us, so to me, this is an invaluable weapon against the war waged on everyone who will ever grow old. Aside from my socialist tendancies, this explains the maze and minefield of pensions and is an important guide to all of us.
3 of 3 people found the following review helpful
Format:Paperback|Amazon Vine™ Review
(What's this?)
As usual, the 'Which' team have produced an easy-to-read guide which explains something we all should have an understanding of, but often don't, and that is the matter of Pensions. This is an area I have never understood fully, and I don't know many people who do.
We work all our lives and pay into one system or another, in the hope that when we reach retirement age we will be prepared for it. What this book does is offer easy to understand reference to all things connected with Pensions, from the very basics to more complex ones, so that we can at least understand how the system works. From the all-encompassing basic State Pension, to Occupational Pensions and other investments, even upcoming changes are referenced, which makes this an essential reference point that will be of interest to everyone. All of your Pension choices are explained here, along with the consequences of the decisions you may make...
Each chapter covers a particular topic in a easily-digested format, explaining jargon and rules as you go along. It can be delved into or read cover-to-cover, depending on your needs, with the reassurance that the information is coming from a reputable and unbiased source. Simple explanations without hidden sales motive are what you will get here.
I can recommend this guide to everyone, at all stages of life. It is well worth the cover price for something so essential, and handy to have on your shelf for reference in years to come...
We work all our lives and pay into one system or another, in the hope that when we reach retirement age we will be prepared for it. What this book does is offer easy to understand reference to all things connected with Pensions, from the very basics to more complex ones, so that we can at least understand how the system works. From the all-encompassing basic State Pension, to Occupational Pensions and other investments, even upcoming changes are referenced, which makes this an essential reference point that will be of interest to everyone. All of your Pension choices are explained here, along with the consequences of the decisions you may make...
Each chapter covers a particular topic in a easily-digested format, explaining jargon and rules as you go along. It can be delved into or read cover-to-cover, depending on your needs, with the reassurance that the information is coming from a reputable and unbiased source. Simple explanations without hidden sales motive are what you will get here.
I can recommend this guide to everyone, at all stages of life. It is well worth the cover price for something so essential, and handy to have on your shelf for reference in years to come...
3 of 3 people found the following review helpful
Format:Paperback
I do not understand my pension. There: I have said it. I have one and I know I pay into it but I don't really know what it means. When it was sold to me on joining a company a dog's age ago I saw projected income and investment numbers but it all seemed so remote and far away. Then each year I get the statement and it seems worth less than I have put in. How does that work then?
However one thing I do know is that I don't want to be poor and starving when I am old.
This book explains all aspects of pensions in the UK and more besides. I did not realise for example that the state pension requires 30 years of NI payments or that actually there are two state pensions. The book explains the state pension, S2P (SERPS) and occupational pensions.
The book is clearly written with worked examples at every stage giving examples of how much a income a person would expect from the state pensions and private pensions. It reads much like a newspaper or magazine article but in far more depth. It's not fun but then it is not a hugely thick book either. I am glad I have it and I will refer to it again and it has made me get my affairs in order.
However one thing I do know is that I don't want to be poor and starving when I am old.
This book explains all aspects of pensions in the UK and more besides. I did not realise for example that the state pension requires 30 years of NI payments or that actually there are two state pensions. The book explains the state pension, S2P (SERPS) and occupational pensions.
The book is clearly written with worked examples at every stage giving examples of how much a income a person would expect from the state pensions and private pensions. It reads much like a newspaper or magazine article but in far more depth. It's not fun but then it is not a hugely thick book either. I am glad I have it and I will refer to it again and it has made me get my affairs in order.
Most Recent Customer Reviews
Best I've read
Pensions Explained did explain everthing that I needed to know about pensions before I decided which pension provider to go with. Read more
Published 2 months ago by wedding
Quite Good
This is quite a good book about general advice on pensions for people like me who find the whole thing quite confusing. Read more
Published 10 months ago by D. Allison
v interesting!
well worth reading
suggest you peruse this book before you go anywhere near an IFA (or to call them their correct term - Pension SALESPERSON)
suggest you peruse this book before you go anywhere near an IFA (or to call them their correct term - Pension SALESPERSON)
Published 11 months ago by AlexS
Useful.
This has been a useful book, dealing with a difficult subject I personally need to address. Initial chapters include: 'Why pension are important', 'the state pension', and 'the... Read more
Published 13 months ago by R. Tait
Very up-to-date (refers to 2012 legislation) and easy to read
My daughter wanted to understand pensions so I got this book - and ended up keeping it for a good while because it was such a good read. Read more
Published 17 months ago by R. S. Bacon
Pensions Explained Which?
A book full of information about different options a individual can make at any age and how to adapt to different circumstances. Read more
Published 18 months ago by romreader
A good solid guide to pensions
This is a good solid guide to pensions. Starting with the hows and whys of getting a pension, then the different types of pensions, possible problems with pensions and what to... Read more
Published 18 months ago by Michael Sutherland
Excellent guide to pensions
My work has recently changed from a final salary pension to a contribution based one and I was dreading having to start making decisions about how to invest my contributions, so... Read more
Published 18 months ago by Reader
A comprehensive and excellent guide to pensions
This comprehensive, up-to-date (post-2010 Budget), 200-page survey of the current state of pensions is an excellent tool for anyone wanting to familiarise themselves with this... Read more
Published 19 months ago by Alan Pavelin
An essential guide to the Pensions maze
No matter how important we all know pensions are, the simple fact is that too many people don't bother to think about their pensions for one reason or another, especially at a time... Read more
Published 19 months ago by I. R. Kerr
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