Thousands of middle-class savers are sleepwalking into a huge tax bill on their pension, accountants warn

Thousands of savers are 'sleep walking into tax bill' on their pension

Financial experts are concerned that middle managers, teachers and senior personal assistants will unwittingly breach a cap that limits the size of their pension pots. They say that many of these workers don't realise that even if they stop saving now, their pension will pass £1million by the time they hit retirement age. This would leave them having to pay a tax bill of 55 per cent on all pensions savings above the cap.

JAMES CONEY: If we want equality in our pension system, it's time to change how we calculate final salary benefits

James Coney - Daily Mail byline  17.06.11. Photo Chris McAndrew / All Moral Rights Asserted 2011. 07740 424 810

The reason why so many are sleepwalking into huge tax bills on their pensions by passing the cap is because of the way final salary benefits are calculated.

Advisers step up to meet rush for pension freedom as demand for financial help surges

Unbiased, an organisation that promotes the value of financial and legal advice to both consumers and small businesses, says enquiries are 20 per cent higher than at this time last year.

Pension companies swamped with 230,000 calls in four days as confusion reigns over new freedoms

Pension firms swamped with 200,000-plus calls about freedom reforms

Pension firms fielded nearly 230,000 calls from people wanting to find out about new pension freedoms in the week following the changes launched on April 6. That was a 214 per cent increase on average call volumes that would normally be expected, and more than 10,000 written and email requests were also received each day, according to industry body the Association of British Insurers. Pension freedom reforms are now giving more than half a million over-55s the opportunity to take control of their own retirement savings and spend, save or invest them as they

Divorce could slash your retirement income by £2,100 a year: How the cost of splitting up lasts into old age

Divorced people planning to retire this year expect an annual retirement income of £15,700, while those who haven't divorced anticipate receiving £17,800 a year.

Is it true that I cannot cash in my pension yet because the freedoms could be reversed after the election?

Bundle of sterling money tied up with chains and padlocks. 

Image shot 07/2006. Exact date unknown.

I was told over the phone that I was not allowed to take my pension because the freedoms could be reversed after the forthcoming election. Am I being fobbed off?

Politicians attacked for raiding pensions to fund 'pet policies' like inheritance tax and tuition fee cuts

Conservatives' Inheritance tax cuts would be paid for by cutting back the amount higher earners are able to pay annually into their pension and still qualify for tax relief.

Blowing the lot? Retirees say they still want a secure income above all despite freedom granted under pension reforms

Retirees keen to gain secure income not blow cash under pension freedom

Just 1% of those PwC surveyed plan to use their whole pot to 'treat themselves', while 67% were concerned about certainty of income. Tax efficiency was their second most important consideration, with 61% likely to factor it into their retirement decisions. But this indicates some 39 per cent didn't find it important, despite recent stiff warnings against the risk of overpaying tax for withdrawing big sums from savings.

How much will you pay to free your pension? Online calculator from Which? helps you work out tax on withdrawals

Which? offers online tool to work out tax on pension withdrawals

A new survey from Which? confirms that many people still don't realise their new right to make pension withdrawals could land them with a surprise tax bill. Some six out of 10 people aged over 55 who aren't yet retired don't know that you can only take 25 per cent of your pension pot tax free. The other 75 per cent is taxed at your income tax rate. That means big withdrawals could suddenly turn people into higher rate taxpayers.

From buy-to-lets to a speedboat: Advisers reveal how pensioners are using their new freedom with some asking for the whole pot

From buy-to-lets to a speedboat: Advisers reveal how pensioners are using their new

Retirement experts have received an extraordinary mix of queries since pension rules were relaxed last week allowing people to choose when and how much they withdraw from their pots. One customer wanted to buy a speedboat, while others prepared to risk their pensions on the General Election.

'My husband and I wanted to be able to stay in our bungalow and pay our bills': Thinking of releasing equity? Tell the family

Equity release schemes are expected to become more popular now that new pension freedoms mean over-55s can potentially deplete their retirement pots. Mary Riney has benefited.

Should I take a tax-free lump sum from my pension?

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I have a private pension pot of about £50,000, alongside a final salary scheme that will pay me £10,000 a year. How do I weigh up whether to take a tax-free lump sum?

I'm poor at picking investments, don't want an annuity, and don't want to pay for advice: So what should I do with my £100k pension pot?

What should I do with a £100k pension pot? Must I pay for advice?

I'm looking for what to do with my pension pot in a few months when I retire. Ideally I'd like to not buy an annuity, and hopefully keep some or all of the pot to pass on to my wife or the next generation. While I'd be happy researching which funds to invest in now, I guess I'm not the best person to do this and I certainly wouldn't want to be doing this with a fading memory or mental capacity.

Don't get caught in the pensions tax trap: Follow our smart tips to ensure you don't lose half of your life savings

Pensioners who take large lump sums from their pension face a tax trap that could leave them having 45 per cent docked from their nest egg - even though they are basic rate taxpayers.

Betrayal of the prudent classes: New rule means more families will have to sell home to fund care

Families who have saved for a comfortable retirement fear they will not now be able to apply for council-run schemes that allow those in care to put off selling their home until after they have died.

A sports car, a hot tub, a cruise on the Queen Mary: Two days into pensions revolution we ask savers what they plan to do with their nest eggs

From Lamborghinis to paying off mortgages or handing cash to children, the new pension freedoms herald a brave - if potentially hazardous - new world.

Eye-watering charges cut for pension funds as insurers shift £10bn of savers' cash into cheaper schemes  

In most cases these schemes had been set up since before 2001, but £12.4billion of savers' cash in newer schemes was also exposed to these eye-watering annual charges.

Pension freedom is here: Half a million people can spend, save or invest money as they wish - but beware of tax traps and fraud

Get ready for pension freedom - but dodge the tax traps and beware of fraud

The huge overhaul allows older savers unrestricted access to their whole pension pots, and removes the need to buy an annuity to provide guaranteed income for life. But pension experts warn freedom reforms bring big and serious risks, like fraudsters stealing people's life savings, baffled retirees paying far too much tax, and the possibility of some treating their savings like a cash windfall and blowing them too fast.

'I will pay bills and hit the road': New dawn for savers after pension freedom reforms - but there's no need to rush

Grandfather Keith Byard, pictured with wife Morfydd, plans to pay off outstanding bills then take to the road with his caravan to visit family.

Why you SHOULDN'T take a lump sum from your pension: Savers could be £64k better off and pay less tax


For decades it has been the default option for most people on the day you retire: you take 25 per cent of your pension as a tax-free lump sum.

Pension tax trap for people wanting to make larger withdrawals sparks outrage ahead of freedom reforms

Seven out of 10 people find it 'shocking' and 'unfair' when they realise taking full advantage of the Goverment's pension freedom reforms could land them with a surprise tax bill.

JEFF PRESTRIDGE: Frustration not freedom will rule as many are thwarted from taking pension cash

Easter Monday marks the start of the new tax year and more importantly the introduction of brand new rules governing how we access our pensions.

Armchair guide to the great shake-up: Are you sitting comfortably? Then here is how pensions are changing  

Armchair guide to the great shake-up: Are you sitting comfortably? Then here is how

It's taken 20 years of campaigning by this newspaper - sometimes against governments of the day, other times against big corporate vested interests in the financial world. But after all the battling - and going a little greyer on top - it's time to raise a glass of prosecco and toast a new era. The great pensions revolution has arrived: goodbye unwieldy, straight- jacketing pensions; hello pensions fit for a modern, flexible Britain. From April 6, the pension pendulum swings firmly from provider to you, the consumer, the investor. Rejoice.

Make the most of the pensions revolution: Despite Chancellor's announcements, here's why you still may need an annuity

MONEY MAIL The Pensions Revolution part 5 final AW.jpg

'No one will have to buy an annuity,' George Osborne said last March. But despite the freedoms he went on to unveil, the annuity (which turns a pension in to an income for life) is far from dead.

Pension freedom - triumph or disaster in the making? How to enjoy the big rewards, and make sure it doesn't go horribly wrong

Pension freedom reforms are just two months away and retirees are eagerly awaiting the opportunity to unlock savings built up over decades.

Red alert against fraud: I'm being called and emailed by a firm offering 'pension advice' - is this real or a scam?

Is this offer of 'pension advice' real or a scam?

Today I received a cold call and follow-up email from a company about pensions advice. How can I tell if it's true or a scam? Or can you point me in a better direction? This is Money asked a pension expert to explain what to do if you're approached by a firm that seems legitimate, but might be trying to steal your pension savings.

How much do you need to retire on? Answer these quick questions to work out how much you'll need to save

The pensions revolution is all about taking responsibility for your own retirement. To do that, you're going to need a pretty good idea about what kind of retired life you want.

Retirees must be on their guard in face of fresh assault from fraudsters trying to steal life savings

It is estimated that more than half-a-billion pounds has been lost so far to pension scams, and experts are worried that the new freedoms will be a golden opportunity for crooks.

Pick your way through the retirement maze: If you're confused about the options for your pension after April, 6 you're not alone

Some of the biggest pension firms are still struggling with the new rules. From April 6, there will be five basic options for those with private sector pensions.

Retirement revolution is your chance to turn your savings into a small fortune: Seven steps to making a mint from pension cash

When you get handed the keys to unlock your pension, it makes sense to do as much as you can with your cash. Here's our DIY guide.

The pension gurus who promise a stress-free retirement and could make your money go further

Many people don't feel ­confident doing their own ­financial planning and ­investing. Finding an adviser who can guide you through the complexities can pay dividends.

I am about to retire with a £100k pension pot but am too tight to pay for financial advice, what should I do?

BH8D84 Piggy bank under rug

I'm hopeless at choosing and am too tight to want to pay an IFA, what can I do? Alan Higham, of Fidelity Worldwide Investment, answers a reader's pension question in our video.

Think you can find the money to save for a pension? Five reasons why you must build up a nest egg

Saving for 30 instead of 20 years can more than double your pension pot, here's why you should invest time and money in a pension.

Will you get a boost from the flat-rate state pension? We reveal the winners and losers

Active pensioner working on laptop


It's not just the rules governing your private pension that are being overhauled - in 12 months' time, the state scheme will get a facelift, too. We explain what it means for you.

Watchdog orders annuity firms to rank rival quotes and overhaul info packs to stop retirees getting stuck with bad deals

FCA orders annuity firms to rank quotes and overhaul info packs

Watchdogs plan to strong-arm annuity providers into helping people buy better and more suitable products to fund their retirement. Firms will be forced to rank annuity quotations so that people can easily identify the best ones, and to overhaul and behaviourally test information packs to make them easier to understand and encourage people to shop around.

Young people say they want to save into a pension - as long as they can dip into it to buy their first home

Young people want a pension plan they can also use for a home deposit

Some 58% of 18-35 years olds aren't saving for retirement, but 54% say they would start saving or save more if they could also use their pension to get on the property ladder. House prices have jumped so much in recent years that many people are forced to save massive sums before they have a chance of getting a mortgage, which means they don't have money to put aside for other important goals such as a comfortable retirement.

Can my widowed mother sell me her house and knock the value of my inheritance off the price? 

Man handing keys to couple, close-up

She wants to sell it to me minus the 1/3 inheritance I would have received. Am I likely to encounter any roadblocks with tax?

Could you sell your annuity? Ministers mull plan to let retirees swap their income for a cash lump sum instead  

BM9H6M female old aged pensioner  holding money in her arthritic hands

A radical plan that would allow retirees who have already used their pension pot to buy an annuity to trade it in for a cash lump sum could feature in next week's Budget, according to reports.

Government urges retirees to book their advice session now as it opens doors to new Pension Wise guidance service

The Government's free Pension Wise service is now taking bookings for phone and face-to-face meetings to discuss options following the shake-up.

Hang up on cold calls, check dodgy firm database and get impartial help: Watchdog tells savers how to avoid pension fraud

The FCA has a checklist of tell-tale signs that should make people suspicious a pension opportunity is either very risky or a scam.

SIMON LAMBERT: Forking out for financial advice on your pension is not just paying for something you could do yourself

I have always been reluctant to pay for something I could do myself. Sometimes, however, it's wise to get someone to do a better job for you. Sorting a pension first that bill.

Beware of pension fraudsters: Retirees told to 'scam proof' their savings against tricksters trying to swindle them of pension pots by offering free advice 

Senior female using mobile phone.
Old woman using mobile telephone.

With millions of retirees gaining access to pots of cash worth hundreds of thousands of pounds, the fraudsters are already circling, looking for opportunities to fleece them.



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Investing: don't miss

Should you cash in your pension to become a buy-to-let landlord or keep your retirement savings invested?

Should you cash in your pension to become a buy-to-let landlord?

Over-55s will be able to cash in their entire pension from this April, an opportunity that could tempt many to plunge their savings into buy-to-let property. But there are pitfalls, first and not least the huge tax bill you could face for taking all the money at once. Retirees seeking a reliable income stream, plus the possibility of growing their savings, might decide they are better off putting their money in an invest-and-drawdown scheme instead. Read our guide and decide which is the best option for you.

The tricks to make the most of the pensions revolution and the traps to watch out for - especially tax

David Petrie of Windlesham, Surrey who has a wide variety of investments.
 George Jaworskyj 2015

There are just 28 days to go before 'pension freedom day' - when savers are handed greater powers to access their life savings. We run through what you need to know.

The perks of being an olderpreneur: How to tap into your pension to fund a dream start-up - and make money after middle-age

How to tap into a pension to fund a start-up and make money after middle-age

The over-50s are the ones to watch when it comes to start-ups and new pension freedom rules mean an extra opportunity to tap into cash for business ideas. A recent report from the Global
Entrepreneurship Monitor highlighted this age group as being increasingly entrepreneurial. We explain the options and pitfalls of using your pension pot to fund a business.

Q&A;: Warning over fees to use landmark 'pension freedom' reforms to access your retirement fund - what you need to know 

Rear view of an elderly couple stood together arm in arm, on a beach watching the sunset.

Concerns are raised over the fees that those accessing the freedom will have to pay. Fees running to several hundreds of pounds could be taken from modest pension pots.

How to avoid the over-65s travel insurance trap and get the best cover at the right cost

Senior woman relaxing on float in swimming pool, portrait

Hunting down travel cover can be both difficult and expensive with older travellers typically paying more for insurance because they are judged more likely to claim.

Don't be an April fool when pensions change: From freedom to flexibility and tax...our guide to next year's sweeping reforms

All the fashion: Natasha pays 4 per cent of salary into her pension

Reforms affecting how much tax we pay on earnings were pledged by the Prime Minister last week. But a big shift in the pensions landscape is happening much sooner.

You don't need to wait to find out whether inheritance tax gets cut: Six vital steps to help you avoid IHT 

Jeff Prestridge looks at legitimate ways in which the 40 per cent tax can be avoided, outlining six key steps for readers. Bridget Jones, pictured, has taken out insurance.

Should you take the risk out of your pension investments before retirement? Six steps to help you decide

Should you take the risk out of your pension investments before retirement?

People nearing retirement traditionally switch savings out of risky investments and into safer assets, but pension freedom reforms are likely to prompt a big rethink of this practice. That's because derisking - or 'lifestyling' as it's also known - is normally done in preparation for buying an annuity, but many more people will be opting to stay invested an draw down an iincome in future.

Is your work pension up to scratch? Six ways to tell if your retirement savings are in a duff investment fund

Daily grind: Are your pension savings in an investment fund with the kind of performance that makes it all worth while in the end?

Making the most of your pension savings: What should you do with a retirement pot of £30k, £50k, £100k or £150k-plus?

What should you do with a pension pot of £30k, £50k or £100k?

Pension freedom reforms will give people more decision-making power over their retirement savings from next year. The options to access your money, spend or invest it will widen - although your choices will still largely depend on the size of your pension pot. Financial experts Mark Stone of Whitechurch Securities and Ben Westaway of Jessop Financial Planning explain both your opportunities and the limitations on them.

What you need to do to join the pensions revolution: From how to get free advice to stopping the taxman eating your nest egg

New pension rules: A pension Passport which allows savers to make their own decisions about how to spend their nest eggs could soon become a reality

What tax will you really pay on taking your retirement pot in the pensions revolution?

Hand it over: How much will you fork over to the taxman if you withdraw all your pension at once?

Talk of 'pensions freedom' has left some savers with the impression they can take their entire pot and pay little or no tax. That is not true. We explain what will happen.

Pensioner living costs hit £10,387-a-year, so do you have enough saved to cover the bare necessities?

Hefty: Pensioner households spend more than £10,000-a-year on basic living costs.

The average cost of being a pensioner is £10,387-a-year, according to analysis that focused on how much over-65s spend on basic necessities.

Get to grips with your retirement plans with this jargon-busting guide to pension investing

Complex: Don't know your ACCs from your TERs? This guide will help you find your way through tricky pensions and investing terms.

Anyone going it alone when they're investing their pension could be met with a confusing array of jargon, even when carrying out the simplest of tasks.

Concern that more will exit 'gold-plated' pensions to access Budget freedoms - can it ever pay to give up a final salary scheme?

Quandary: Some final salary savers want the flexibility that is being offered to defined contribution members.

Insurers have noted a rise in the number of calls from final salary pension savers about transferring to a money purchase scheme since the Budget.

'We bought a bigger house with our pensions': Ups and downs of moving in retirement

How to find the perfect retirement property

Conventional wisdom says we all want to retire to a house by the sea or a cottage in the country with roses round the door. But finding that perfect retirement property is not easy - and buying it can involve some big financial decisions. Here are the pros, cons and challenges of upsizing, downsizing or staying put.

From sheltered living to luxury complexes, eight dos and don'ts when choosing a retirement home

Eight dos and don'ts when choosing a retirement home

Retirement homes have shed their image of dark and dreary buildings and now offer luxury complexes or villages with on-site facilities aimed at older people. But banks won't give you a mortgage to buy a sheltered housing or retirement village property, so you will need the cash to fund it yourself.

Got a work pension but don't have a clue how to invest your money? Here's your essential guide to start getting richer

Complex: The majority of people in defined contribution pension schemes have little involvement with where their money's invested.

Think you know how much your pension costs? 'Hidden' scheme charges and how you can find out how much you're paying

Confused? Many pension savers are unaware how much they are being charged.

Pensions minister Steve Webb has announced that all defined contribution workplace pension providers will have to offer complete transparency to savers

Flat-rate state pension explained: Who are the winners and losers?

Happily married: Couples are among the winners in the pension shake-up

A new flat rate state pension worth £144 a week in today's money is being introduced from 2016, while complicated and unfair old rules are being swept away. What will the changes mean for you?

How to find the best (and cheapest) Sipp and make more money from your DIY pension

Tools: Sipps allow you to manage your own pension investments but come with different costs

Looking to make a will? Make sure you're not taken for a ride by cowboy will writers

Looking to draw up a will? Make sure you're not taken for a ride by cowboy will writers

Are you at risk of leaving your family with nothing but legal bills because of a badly written will? Find out what your options are and how to guard yourself against an invalid will.

Don't miss out on thousands of pounds in retirement: 7 vital questions to boost pensions

Big decision: Deborah Hillier-Paul has more time  for walking

A major report into how pension pots are turned into income at retirement is expected to be published by the Financial Conduct Authority this week.

The end of £66-a-week married person's pension: Who - and how many - will it affect?

Marriage changes: State pensions will be calculated based on individual working records from 2016, so people will no longer be able to rely on their spouse's record.

Almost two million married retirees receive a state pension top-up based on their partner's work record but this will close to all claimants in 2016. This is Money takes a look at who this will affect.

New state pension age: Find out when you will be able to retire with our guide

Happy retirement: But how long will you have to wait for your state pension?

GUIDE: How to combine pension pots


Combining pension pots built up in different jobs could make real financial sense

How to find the best (and cheapest) Sipp and make more money from your DIY pension

Tools: Sipps allow you to manage your own pension investments but come with different costs

The rise of DIY online investing has transformed the way people are able to save for retirement, but navigating the maze of Sipp charges can be a tricky task.

Will I get a full state pension? I don't know if I've opted out of second state pension because I ignored all the bumpf

Was I contracted out of the second state pension without realising?

I'm worried I might not qualify for the new full state pension, but I can't check because the Government is only sending forecasts to people aged 55 and over. I fear that some of my employers opted me out of the second-tier state pension without me realising what they were doing or the implications of it at the time. I don't recall ever signing anything specific, but they might have notified me in the packets of bumpf they sent me and I never read.

My bosses want to sign me up to a salary sacrifice scheme for my pension - should I go for it?

My employer is offering me a 'salary sacrifice' option where some of my wages would go straight into my pension pot. But is it worth my while?

ASK TONY: When the pension rules change in April, will I still need a trustee administrator for my SIPP?

Businesswoman discussing paperwork with man.


I'm a retired independent financial adviser, aged 67, and have been drawing on my Scottish Mutual Self-Invested Personal Pension (SIPP) for the past six years.

I've collected several little pensions during my career - should I bring them all together before I retire?

15 Nov 2014 --- Architect reviewing plans in office --- Image by © Hero Images Inc./Hero Images Inc./Corbis

Can I bring together my little pensions from each job into one pension, is it advisable to do this?

ASK TONY: Why can't I cash in a pension that pays just £9.82 per year?


In April 2011, I asked Zurich Assurance whether I could take my pension pot of £913.32 as a lump sum. I was told this would not be possible.

How do I avoid paying a hefty tax bill when I take my pension cash in April?

I would like to withdraw some of my funds after pension freedom starts in a few months, but I'm worried I will pay too much tax.

ASK TONY: My pension fund went bust now no one knows what I'm owed

ASK TONY (05-11-14) final AW.jpg

My main pension is to be finalised through the Financial Assistance Scheme but they cannot calculate it as my data does not fit the standard scheme format

My wife never paid any National Insurance contributions, will she retire with nothing?

My wife never paid any National Insurance contributions, will she retire with nothing?

My wife is due to hit state pension age in the next two years. But during our 40-year marriage she has never paid any National Insurance contributions. I thought that women who stayed at home would receive some of their husband's pension when they retired. But I'm now alarmed to learn that changes to the system mean she could now retire with nothing. Is this correct?

Can I keep my work pension for drawdown in retirement instead of moving to a new scheme?

Can I use my existing work pension for income drawdown in retirement?

I want to opt for income drawdown in retirement because annuities are such bad value. I've got going on £60,000 spread over several different funds in my work pension, and I'm quite happy sticking with the little 'portfolio' I've created. Is there anything to stop me staying when I retire? Will my pension provider eventually kick me out? Or might I get penalised somehow over tax?

My work pension has a miserable choice of investment funds: How can I grow my retirement savings faster?

What can I do about my miserable work pension investing options?

I work for a big company with thousands of staff, and I don't want to create trouble or start a crusade - I just want a better choice of investment funds for my pension. Who should I approach to ask - someone within my company, or the pension provider? Would my employer let me put its contributions and mine into a self-invested personal pension I could have more control over?

I have been receiving pension income I was not entitled to for four years due to an admin blunder - do I have to pay it back?

An admin blunder from the 1990s means 10% of my pension has been paid in error - do I have

I have recently been informed that one of the pensions I have been drawing since my retirement in 2010 has been paid in error. The pension payments have been halted and I am being told that the money paid to date is to be repaid. As this has arisen due to no fault of my own and the pension was accepted in good faith, am I legally liable to repay the money? If so can I reasonably claim a nominal £100 for the inconvenience?

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