"Sunday Times" Personal Finance Guide to Your Pension (A Sunday Times personal finance handbook)

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Twenty years ago, most people didn't give their pensions a secod thought - it was jsut something that was there. These days, people are aware that their pension is likely to be the biggest investment they'll ever make. Suddenly there is a realization that the State is not going to support us in our old age, while the Maxwell pension fund fraud jolted everyone to acknowledge that pensions are desperately important, and must be looked after. Moreover, increasingly flexible work patterns means that the onus is on the individual as much as the employer in taking control of plans for future security. This book shows how to take control in planning for your income in retirement. Personal targets must be considered: how much do you want or need?; when would you aim to retire?; what will the State provide and what will its future hold? The guide examines company pension choices and how thy work, what they'll pay and the advantages and disadvantages of the diiferent schemes. Finally, once in retirement there are measures to take to ensure the maximum use of your income and details of other investm,ent possiblities.

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