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Hand-in-Hand Teaching Guide to fill in Form Aw8med Preserved Scottish Public Pensions Agency

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Form Aw8med Preserved Scottish Public Pensions Agency Request Guide

welcome to this clinic explains finance.video this week I want to take on a.video that compares directly two types.of pension scheme defined benefit and.defined contribution if those people who.want to be a background on this for our.separate videos that take each of those.in turn to some extent I'll take that.knowledge for granted so if we're.comparing the two and why would we be.comparing the two well in practice some.people are being made offers at the.moment for example to move out of an.existing defined benefit scheme into.defying contribution so it's important.to understand roughly how the two works.so that you can draw some sort of.conclusion on whether or not that's a.good idea now the background is walk.therefore defined benefit pensions are.becoming less commonplace employers are.offering them less and less frequently.the state still give them to government.employees but they're changing the terms.and companies rarely offer them to new.employees anymore so they're being.usurped by defying contribution schemes.that is basically a money purchase plan.of some sort so one of the key.differences what is the difference.between being offered some sort of.defined benefit arrangement and or a.defined contribution scheme well on the.way in first of all and then we'll look.at on the way out so on the way in.defined benefit schemes require the.provider and employer to fund the scheme.according to actuarial advice so as an.employer offering one of these things.you're guaranteeing a kind of fixed.benefit at the end we've got a variable.contribution to worry about in the.meantime because stock market.performance people living longer.inflation can all influence how much.ultimately the scheme can afford to pay.out whereas defined contribution schemes.generally take a percentage of monthly.salary they put a fixed contribution in.but you get a variable benefit out the.other end so they are good for the.employer because it gives them certainty.but less good one could argue for the.employee because they've got the future.uncertainty about the level of benefit.they'll receive and basically that means.that a DB defined benefit scheme has a.variable unpredictable contribution.whereas DC is fixed and predictable.whether that's good for you does very.much depend.circumstance it's more about that in.another video so DC tax relief now in.order to encourage people if you like to.invest in divine contribution schemes.which are becoming the norm most private.sector employers now offer these as.standard and basically the state is.looking at whittling down to find.benefits as we go along so DC tax relief.is important so on the way in a quick.reminder here you get tax relief at your.marginal rate as an employee let's say.making a monthly contribution into one.of these schemes so eighty pence becomes.a pound invested automatically with.basic rate tax relief and then there is.a mechanism by which you can actually.clawbacks makes to relief as a higher.rate or additional rate taxpayer.tax-free growth within the thumb so that.helps the funds to grow once the money's.in they're invested in equities bonds.with by whichever mix and then the first.twenty five percent is tax-free on the.way out so that's the basic principles.of how defined contribution schemes work.now what about the way out so that's.what's happening on the way and if you.like I've hinted at the way out there's.a tax-free lump sum available so let's.look at that across the board BB schemes.can pay a lump sum and all a percentage.of final or average salary usually.linked to inflation so final salary.schemes based keep base the income you.get on your closing salary on leaving an.employer or leaving full-time work or is.an average salary scheme as the name.suggests will tend to base the income.which will be lower generally speaking.on average earnings and for state.employees that is becoming something of.a more common feature DC schemes on the.other hand very different there's no.guarantee here and there's an awful lot.of choice about the route you take so.you can do nothing you can leave the.scheme invested you can take a lump sum.up to a certain level if you like and or.income so much more flexibility but no.guarantees and that's the core message.when you're looking at defined.contribution versus defined benefit.schemes DB income is generally paid.until death whereas DC income is paid.until the.money runs out so there's a risk with a.defined benefit scheme there's only a.low risk because there is a form of.protection if you like stood the scheme.it provided go bust for example the DB.schemes of a low risk that you won't.have an income post work with a DC.scheme there is that risk.now tax mention you earlier on so let's.just take a look at that again lump sums.are usually tax-free in all cases.whether you're pulling them out of the.DB scheme or a DC scheme then your.income in whatever form will usually be.taxed your marginal income tax rates.don't forget once you finish work you.will potentially still pay tax you just.get slightly higher personal allowances.and so on and the pot in both cases can.be subject what's called a lifetime.allowance limit in other words there's a.maximum benefit you can take if you like.before potentially you're hit with.penalty tax if you want to see it that.way so what is this lifetime allowance.headache that applies to people in DB.and easy schemes it's just that the.method of calculating is slightly.different so the government caps the.maximum benefit can be taken for a.penalty kicks in mention that just now.the DC schemes it's a moving target the.edges up every year but for 2019-20 just.over 1 million pounds is the threshold.you imagine you're saving away putting.money into that pot an employer and.employee there is a point at which you.potentially face a penalty there are.ways by the way to protect benefits that.are more than that accumulated in.previous years but I'll leave that to.one side here the DB schemes the.important point I want to make is the.principle similar but the calculation.slightly different it's usually based on.20 times the projected first year.benefit plus any lump sum now what about.death benefits this can be an important.point for some people what happens if I.die not something we want to think about.but an important factor when weighing up.the sort of pension benefit you've got.so we've defined benefit schemes they.usually pay 50 percent to a spouse on.their so that's quite a nice backstop if.you like to have built in there's a.guarantee period you can pay there's a.lump sum if.is premature there's not usually.anything paid out to children but very.much depends on the rules of the.individual scheme I wouldn't like to.suggest as a blanket rule it's just a.sort of generalization we're defying.contribution rather difference here so.what a spouse ends up with on your death.let's say will depend if the scheme has.been converted into an annuity stream.then it'll be a case of contacting the.unity provider and saying well what.percentage of that annuity is let's say.the other spouse in title two it might.be say 50 percent if it hasn't been.converted so you don't have to convert.into an annuity certainly the case so if.you're looking at a situation where the.fund is in drawdown all right you're.taking advantage of UF pls rules are.there no or it's completely untouched so.nothing's been taken so far then.potentially it can pass that fund can.pass through to a nominee so please 75.if the death occurs pre 75 that's all.tax-free post 75 tax to the marginal.income tax rate now I'm scanning through.it's skimming through a lot of detail.here but the point is the situation is.different depending on the type of.scheme that you're in on death so final.side how do you start to think about if.I was made an offer to switch and that.is happening some people from defying.benefits defined contribution more about.this and another presentation held a Dan.start to go about weighing up now I.understand some of the differences it's.a tricky one but basically DB schemes do.carry less risk for the employee there's.no two ways about it you've got a.guaranteed income it might be indexed.linked and it will be paid out forever.if you like in that sense but they're.also less flexible so you don't have all.those choices I entered at around how.you use a farm with a DB scheme.employers not surprisingly mostly prefer.their employees to be in defined.contribution schemes because that.basically or limits their exposure the.variability at the amount they have to.put in and that is why they're tending.to make some of these transfer offers.and find out more about.now the way them up there's another.video on that exact topic in this series.furthermore please email me usual place.and watch videos linked to this topic.Killick comm forward slash learn down.this side the tab tax effective saving.is a good place to start.

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