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Pensions Explained: A Complete Guide to Saving for Your Retirement (Which?) ("Which?" Essential Guides) Paperback – 13 Oct 2010

4.4 out of 5 stars 26 customer reviews

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Product details

  • Paperback: 224 pages
  • Publisher: Which? Books (13 Oct. 2010)
  • Language: English
  • ISBN-10: 1844901106
  • ISBN-13: 978-1844901104
  • Product Dimensions: 14.8 x 1.2 x 21 cm
  • Average Customer Review: 4.4 out of 5 stars  See all reviews (26 customer reviews)
  • Amazon Bestsellers Rank: 276,694 in Books (See Top 100 in Books)

Product Description

About the Author

Jonquil Lowe is an economist and has worked for several years in the City as an investment analyst. She is a former head of the Money Group at Consumers' Association and now works as a freelance researcher and journalist. Jonquil holds the g60 qualification required of financial advisers who give advanced pensions advice and writes extensively on all areas of personal finance and is the author of several other books, including Be Your Own Financial Adviser, The Which? Guide to Giving and Inheriting and The Which? Guide to Money in Retirement.


Customer Reviews

4.4 out of 5 stars
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Top Customer Reviews

Format: Paperback Verified Purchase
Pensions Explained did explain everthing that I needed to know about pensions before I decided which pension provider to go with. Other books only skimmed the surface in comparison. Can recommend if you want to be sure you get the best pension possible.
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Format: Paperback Vine Customer Review of Free Product ( 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...
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Format: Paperback Verified Purchase
I think this is a very good book, very informative, particularly for employees. The complexity of the subject can itself be a bit confusing at times, in spite of the 'working examples' frequently used to help understanding. My only criticism is that the small 'self-employed & sole-trader' group doesn't get much of a mention, apart from reminders that they have to sort their pensions out for themselves and to get good financial advice.on the subject.

Glad I bought the book - I may now be a little bit wiser.
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Format: Paperback Verified Purchase
Cracking little book, once you have read this you will give an half decent financial advisor a run for their money. Easy to red on what some many find is a daunting subject, has really focused my attention on what I need to do to plan for the future. Worth every penny, clear, concise, well written.
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Format: Paperback Verified Purchase
This is quite a good book about general advice on pensions for people like me who find the whole thing quite confusing. You will not get all the answers from this book, but it goes a long way in helping you understand about most aspects of pensions. However, I did find the information about Lifetime Allowances a bit 'thin' and was a bit disappointed that once again there were lots of references suggesting that you should 'seek the assistance of a Financial Advisor', which is what I was trying to avoid!
That said, there is a lot of useful information within and it represents good value.
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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.
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By Mr. M. A. Reed TOP 1000 REVIEWERVINE VOICE on 29 Nov. 2010
Format: Paperback Vine Customer Review of Free Product ( 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.
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Format: Paperback Verified Purchase
well worth reading

suggest you peruse this book before you go anywhere near an IFA (or to call them their correct term - Pension SALESPERSON)
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