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Money Box: Money Box Live: Your Pension

Money Box Live: Pensions

22/07/2015

Money Box Live: Your Pension

BBC Radio 4 - Money Box, Money Box Live: Your Pension

Listeners ask questions on making the most of their pension pot.

What would you like to do with your pension pot, leave it invested, take some cash or is an annuity a good idea? Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail moneybox@bbc.co.uk with your questions.

The way we access our pension funds has changed dramatically but how do you and should you take advantage of pension freedom?

Before cashing in or switching out of a pension scheme, you need to find out whether you would lose any valuable guaranteed annuity rates (GARs). Offered by some older-style pensions, these rates can be double those available now.

Have you considered the tax you may have to pay when taking income from your pension, how can you manage this sensibly?

If you want income certainty, should you consider buying an annuity, what are the best options at the moment and can you enhance potential payments?

There have also been changes to the way pensions can be inherited.

Or perhaps you have a question about saving into a pension scheme?

Whatever you want to do with your pension, Paul Lewis and guests will be waiting to help with your questions. Joining Paul will be:

Billy Burrows from retirement options website williamburrows.com
Michelle Cracknell, Chief Executive, The Pensions Advisory Service.
Tom McPhail, Head of Pensions Research, Hargreaves Lansdown.

Call 03700 100 444 from 1pm to 3.30pm on Wednesday or e-mail your question to moneybox@bbc.co.uk now. Standard geographic charges from landlines and mobiles will apply.

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