Pensions 

Cavendish Online offers a wide range of Pensions.

Each Pension application is £35 if downloaded or £45 if requested with a quotation by post with all of the commission reinvested. The only thing we earn is the fee.

The pensions available include Stakeholder Pensions, Personal Pensions and Personal Pension Transfers. 

Also available through Cavendish are the Fidelity SIPP and the Standard Life Immediate Vesting Personal Pension. 

You can also arrange an Annuity via Cavendish. 

If you would like more information on how you could move existing policies to Cavendish to reduce charges (re-pensioning) click here.

To see examples of how you can save money via Cavendish please click here.

What is a pension?

Cavendish Online is an execution only independent financial adviser that does not offer advice. Therefore we recommend you should only use Cavendish Online once you are sure of the type of pension product you wish to purchase and have carried out any relevant research.

For more information on how Pensions work, the type of pensions available and the choices you have we recommend you visit FSA Website www.MoneyMadeClear.fsa.gov.uk
This site will give you the fact and figures about the financial products and services available, helping you make an informed decision. There is also a Pension calculator to help you decide how much to contribute to your pension.

These savings plans are used to accumulate funds for your retirement. Under the current rules you must convert your savings back into an income between the ages of 55 and 75. You can take up to 25% of the accumulated fund as cash free of tax. The pension income will be subject to income tax on a PAYE basis.