DiscountUK Pensions Stakeholder links

• Stakeholder pensions are simple, low-cost 'personal' pensions designed to encourage more people to provide for their own retirement. Available at a discount.
  
  
•  Available from April 2001 - adhering to set minimum terms.
  
  
•  Charges will be lower than many current personal pensions
  
  
•  No start-up charges, only a 1% per annum maximum charge.
  
  
•  No penalties on starting and stopping contributions.
  
  
•  No additional charges for transfers to and from other schemes.
  
  
•  The minimum contribution to stakeholder is £20.
  
  
•  Individuals can contribute up to at least £3,600 p.a. into a Stakeholder scheme, whether or not they have any earnings.
  
  
•  Contributions above £3,600 p.a. can be made based on age and earnings.
  
  
•  Up to 25% of the fund at retirement is available as a tax free cash sum.
  
  
•  Retirement fund used to provide a lifetime guaranteed income.

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