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FT Guide to Pensions and Wealth in Retirement, 2nd Edition by Mr. John Greenwood

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4

Personal and stakeholder pensions

What topics are covered in this chapter?

Personal pensions

Personal and stakeholder pensions are the most common plan for people who do not have access to company schemes. Personal pensions replaced the retirement annuity plans that preceded them and are governed by the tax and contribution rules set out in Chapter 3.

Created in 1988 to kick-start the idea of individual responsibility for pensions in the psyche of the nation, personal pensions did not get off to an auspicious start. Between 1988 and 1994 at least a million people were wrongly advised by financial advisers and pension providers to switch from company ...

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