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“ “ Blame Philip Hammond. George Osbourne was going to allow people, after advice, to exchange old annuities if they weren't right. #Missed Opportunity <a href="http://forums.moneysavingexpert.com/showthread.php?p=72231182#post72231182">Originally posted</a> by CBX1985 ” Even if this daft i...

“ “ Blame Philip Hammond. George Osbourne was going to allow people, after advice, to exchange old annuities if they weren't right. #Missed Opportunity <a href="http://forums.moneysavingexpert.com/showthread.php?p=72231182#post72231182">Originally posted</a> by CBX1985 ” Even if this daft i...

I'm afraid you're too young to have full R85 protections. You have partial R85 protections on a sliding scale - meaning that your benefits won't be paid at age 63 (ie, before your normal retirement age of 66) without some actuarial reduction. It looks like your benefits accrued up to 2008 won't be r...

I assume this was an in-house AVC arrangement with your LGPS pension? You must have taken your benefits from deferred status, meaning that the residual amount (ie, the amount of AVC that couldn't be taken as tax free cash) couldn't be used to buy extra pension in the LGPS instead of with the AVC pro...

I assume this was an in-house AVC arrangement with your LGPS pension? You must have taken your benefits from deferred status, meaning that the residual amount (ie, the amount of AVC that couldn't be taken as tax free cash) couldn't be used to buy extra pension in the LGPS instead of with the AVC pro...

There have been rumblings for a while that HMRC aren't happy that certain pension fund members may take all of their AVCs as tax free cash (up to a maximum of 25% of the total LGPS and AVC value). Some LGPSs have mentioned this in their newsletters just to cover themselves against any possible futur...

“ For the record, MyCSP got back to me today. Bottom line is that, all things being equal, there is a "catch up" once age 55 is attained. More curious is the possibility that I may get the increases anyway if I can prove that both of my kids are still in education. So I've got to di...

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