Ready for a top-up?
Since their introduction in 1988, more than a million pension scheme members have invested some £4.5bn in free-standing additional voluntary contributions (FSAVCs). Keith Sankey looks at the arguments for and against this flexible scheme.
Those of your clients who belong to an employer's occupationalpension scheme are clearly better off than those who are not, but this
does not mean they will have an adequate income when they eventually
retire. There are a number of reasons why their pension may not measure up
to expectations.
Perhaps they have moved around from job to job and from scheme to scheme,
losing retirement benefits on the way.
They may not have joined a scheme until very late in their career -
clearly they will have
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