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Budget changes to pensions - you'll have more freedom to take money from your pension and will get guidance
If you retire after April 2015, you may be entitled to free guidance on pension options and don’t have to buy an annuity

If you retire after April 5th 2015, you may qualify for free and impartial ‘guidance’ on what you can do with your pension. Also from 6th April 2015, people in workplace ‘defined contribution’ pensions (i.e. not final salary type schemes) and those with private pensions can take money from their pensions. Only people who are in workplace defined contribution or who have personal pensions can get the free guidance.

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Government pension reforms: taking money from a pension
From April 2015 you’ll be able take money from your pension as you wish – or can you

There’s been a lot written about the government’s planned changes to pensions in April 2015. The Chancellor announced in the Budget that the rules would be changed from April so most people will be able to take as much as they’d like from their pensions. There’s been talk of using your pension like a bank account. But will this really happen?

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How do you qualify for money off your fuel bill via the Warm Home Discount scheme?
The warm homes discount scheme means money off your bills for the poorest pensioners. Don't miss out.

If you’re a pensioner on a low income, you’ll get a discount off your electricity bill if you’ve signed up with one of the major energy providers. The so-called Warm Homes Discount is worth £140 off your bill (in tax year 2014/15 - it changes every year). But some who get it may have to apply for it.

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The material provided on this website is general information that is intended for general guidance and is not suitable for professional advice.
You should always obtain independent financial advice.