Synopsis
Successive governments have made it clear that you cannot rely on the state to provide you with a comfortable old age. You must be responsible for your own savings for retirement. From October 2001, all but the smallest employers should offer some form of pension scheme through work. If you're self-employed or not working, you need to make your own arrangements. This new, revised edition of "The Which? Guide to Pensions" explains your options and helps you choose the best ways to plan for your later years. It covers all the key issues, such as: how much you should save; what the state will provide; how to get the best from an employer's scheme; the new stakeholder schemes; personal pensions and whether to switch from one to a stakeholder scheme; other ways to save for retirement; how to boost your pension; pension choices when you change jobs; pension planning if you're facing redundancy or divorce, or caring for children or an older person; how to trace old pensions; how to claim your pension once you retire; and how retirement savings and pensions are treated for tax. Armed with "The Which? Guide to Pensions", you will no longer feel daunted or confused about retirement planning.
Clear explanations, charts, an extensive glossary and numerous examples unravel the mysteries of pensions to put you firmly in control of your future.
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