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Institute of Actuaries calls for pensions deferral

People should be able to defer pension contributions while they are committed to raising children and paying off their mortgages, according to the Institute of Actuaries.

It says many people could be driven into debt by saving too soon and pensions need to accommodate “cash rich” and “cash poor” periods.

A study by the Institute found people should save in their 20s for when they may have a family and to save for a pension once their children have left home.

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Lives: Beachely, Near ChepstowBorn: September 23, 1939 in Heywood,LancashireAge: 62Education and qualifications: Apprenticeship, technical colleges in Kent and Lancashire, chartered engineerCareer to date: Engineering then management position in the paper industryCareer ambition: “Don&#39t know that I really had one…”Life ambition: “Again, don&#39t think I have one.”Likes: Intellectual challenge, variety, squash, travellingDislikes: “Gross injustice – it […]

Scottish Life International – Protected Term Deposit Series 1

Monday, April 22, 2002Type: Guaranteed equity bondAim: Growth linked to the FTSE 100, S&P 500, andEurostoxx 50Minimum investment: Lump sum £15,000Place of registration: Isle of ManInvestment split: 100% linked to the FTSE 100, S&P 500and Eurostoxx 50Guarantee: Capital returned in full along with 10.2% at end of termregardless of movement in indicesIsa link: NoCharges: ImplicitCommission: […]

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Non-standard correspondent lender National Guarantee has appointed Frank Eve Consulting to review its business and marketing strategy to help take its expansion plans forward.The Birmingham-based lender says it wants to develop its share of the correspondent lending market using the consultancy&#39s knowledge of the industry.It is trying to increase its share of the broker and […]

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Norwich Union is raising its retail investment profile with the world leaders fund, an Oeic that aims for capital growth by investing globally in a portfolio of around 60 global stocks.The fund follows a similar thematic approach employed by the global theme fund, from its sister company Morley Fund Management. But unlike the Morley fund, […]

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