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Average Pension

  • NAPF calls for career average public sector pensions

    By Daniel Grote | 22 Dec 2010

    The National Association of Pension Funds has called on John Hutton to recommend
    a career average model as part of his review of public sector pensions. ...

    The National Association of Pension Funds has called on John Hutton to recommend a career average model as part of his review of public sector pensions.

  • Public sector pensions: the unions just don’t get it

    By Lorna Bourke | 23 Jun 2011

    ... For private sector employees retiring today, the averagepension pot’ produced
    by accumulated contributions will generate an income of less than £3,000 a ...

    It is imperative the government holds its ground on public sector pension reforms and does not give in to the threat of mass strikes, writes Lorna Bourke.  

  • Nest pension contributions in doubt as savers tighten belts

    By Lorna Bourke | 29 Sep 2011

    ... Overall, the rolling 12-month average pension contribution for men and women rose
    by £9 over last year, less than £1 a month, bringing the average ...

    With pension contributions under pressure, more information is needed on the National Employment Savings Trust (Nest) scheme to ensure employees maximise their retirement incomes.

  • Public sector pensions are still a great deal

    By Lorna Bourke | 18 Mar 2011

    ... average public sector pensions, saying that just over 1.5 million public sector
    pensioners receive less than £5,600 a year and the average pension across all ...

    With the unions planning strikes in protest at the recent Hutton recommendations for reform of public sector pensions, it’s time it was spelled out to these employees how fortunate they are.

  • Poor pension cover drives down average age of equity release

    By David Campbell | 02 Aug 2007

    ... has reported. Poor pension cover drives down average age of equity
    release. by David Campbell on Aug 02, 2007 at 09:03. ...

    The average age of homeowners using equity release schemes to free property wealth has fallen for the first time, specialist adviser Key Retirement Solutions (KRS) has reported.

  • Retirement Planning: why should you buy annuities?

    By Lorna Bourke | 27 Jul 2011

    ... For a purchase price of £50,000, the average pension for a male aged 65 in the top
    quartile is £3,485 a year compared with just £3,004 a year in the bottom ...

    Are annuities a waste of money or good value? Lorna Bourke debates the issue with experts.

  • 10 public sector pension myths busted by the Hutton review

    By Gavin Lumsden | 07 Oct 2010

    ... The average pension paid is around £7,800 per year. Around half of public sector
    pensioners receive less than £5,600 per year, says Hutton. ...

    Lord Hutton's interim report on public sector pensions sheds a lot of light into the complex issues around pension provision in the UK.

  • Public servants: do they know why they are striking?

    By Lorna Bourke | 30 Jun 2011

    ... It is particularly concerning to see so few recognise the value of a career average
    pension, and that one in 10 believes that they will lose any pension ...

    Hundreds of thousands of public service workers are on strike today over pensions reforms, but a new survey suggests few could tell you why.

  • Aged 50 and no retirement savings? Here's what you need to do

    By Lorna Bourke | 06 Dec 2010

    ... ‘A combination of a fall in house prices and annuity rates has dealt a double blow
    to many, with the average pension pot from downsizing only providing ...

    There are millions of over-50s who either have no pension savings at all or not enough. All is not lost, but cobbling together a retirement income will require some considerable sacrifices.

  • We are nowhere near rich enough for retirement

    By Lorna Bourke | 26 May 2011

    ... enough for retirement. The state retirement pension in the UK is amongst
    the lowest in Europe relative to average wages. In addition ...

    We are not saving enough for retirement, that much is clear from a new report from HSBC bank. But with wages low, housing costs high and the cost of living rising, is it more a matter of can't save rather than won't save?

  • Hutton: pension reform is about fairness not cuts

    By William Robins | 29 Mar 2011

    ... environment in this area because if we move from final salary to career average
    it will remove some of the uncertainty and the risk away from pensions in this ...

    In an exclusive interview with Model Adviser® John Hutton says his public sector pensions review was never a cost cutting excercise.

  • EU officials' pension boost to cost UK £170m

    By Michelle McGagh | 26 Apr 2011

    ... The increase will take the average pension pot of Brussels officials to £60,000
    a year, with top ranking employees taking home £102,000. ...

    Prime Minister David Cameron’s calls for financial restraint from the European Union have been ignored as the UK bill for Brussels officials’ pensions increases by £170 million.

  • People aren't saving enough for retirement: whose fault is it?

    By Lorna Bourke | 07 Jun 2011

    ... ‘People need to save an extra £58 per month on average to prepare adequately for
    retirement and make up the shortfall we are seeing currently. ...

    Given that many people's income has actually fallen in real terms in the past 30 years, it's no wonder we are not saving enough for retirement. How have the unions allowed this to happen?

  • How good is the state pension?

    By Oliver Marsland | 25 Jun 2008

    ... state pension provision among 25 European countries, with British pensioners on
    average being paid just 17% of their average earnings as pension, compared to ...

    With the state pension paying just 17% of average lifetime earnings, the UK desperately needs a change.

  • Hutton calls for hike in public sector pension contributions

    By Daniel Grote | 07 Oct 2010

    ... sector pensions is ‘inherently unfair’ and said he will consider alternatives like
    a career average in the Independent Public Sector Pension Commission’s ...

    Independent commission led by John Hutton recommends a hike in public sector pension contributions as the best way to deliver savings for the government and brands final salary schemes 'inherently unfair'.

  • Hutton’s public sector pension review under fire

    By William Robins | 15 Mar 2011

    ... of Actuaries and chairman of last year’s separate and non-governmental Public Sector
    Pensions Commission, welcomed the move to a career average that will be ...

    John Hutton's public sector pensions reviews lacks detail and stops short of tacking key issues of private sector outsourcing and funding requirements.

  • TUC hits out £3.9m size of FTSE 100 directors' pensions

    By William Robins | 07 Sep 2011

    ... The TUC said this means director's pensions were on average 23 times larger than
    the average occupational pension of £9,568, and 34 times bigger than the ...

    A Trade Union Congress (TUC) pensions report has hit out at FTSE 100 company directors taking pensions of on average £3.9 million, worth 23 times the average worker's scheme.

  • Pensions: how much should you save?

    By Lorna Bourke | 13 Sep 2011

    ... remind us that a person needs to save on average around 15% of gross earnings
    throughout their working life to retire on anything like a decent pension. ...

    The vexed question of how much to save for retirement has reared its head once again with a controversial report suggesting that rational investors should not start saving into a pension scheme until after age 35.

  • The state pension: better with age?

    By Steve Bee | 11 Jan 2009

    ... t say much about average earnings levels (although I suppose it’s hard to imagine
    anyone getting so excited about a pension of only 4% of average earnings I ...

    The government says the basic state pension is worth four times more today than in 1909 when it was introduced. But a little bit of research might suggest otherwise.  

  • Hutton must go further to address pension crisis

    By Alex Steger | 19 Oct 2010

    ... She said while the average public sector pension pays £7,800, the cost of securing
    an annuity to provide that in the private sector would be £250,000. ...

    Ros Altmann says Lord Hutton’s report has failed to grasp the scale of public sector pension problems and warns that action needed to reduce liabilities could result in civil unrest.

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