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Pensions
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Pensions
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 When you have your own business, the only person thinking about how to provide for your retirement is you.
We can help you plan for the lifestyle you want after you stop working, with our range of pension options.
Your pension options
A Stakeholder pension is flexible, tax efficient and relatively straightforward, enabling you to start contributions for as little as £20 and change your payments according to your circumstances without penalty.
Find out more about Stakeholder pensions
Or you may want to think about a Self-Invested Personal Pension (SIPP), which gives you more involvement in the investment decisions that will affect the performance of your pension fund.
A Barclays Financial Planning Manager can explain your pension options in more detail. Just book an appointment to find out what’s available.
Providing for your employees
If you are an employer, you also have to think about the people who work for you. Most employers are obliged to provide access to a pension scheme for their employees.
Barclays Financial Planning can give you:
- A designation service for employees based on a single page application, with the certificate sent direct to the employer
- An established scheme as soon as the first member joins
- Streamlined joining for members, with no need for individual identification checks
- Commission terms on larger schemes.
Find out more about Barclays Financial Planning
Important Information
What you get back at retirement from a personal pension will depend on the investment performance of the underlying assets, and the annuity rates applicable at the time that you take your pension benefits. The value of investments can fall as well as rise. Returns are not guaranteed and you may not get back what you originally invested. The favourable tax treatment of pensions may change at any time in the future. The value of tax relief will depend upon your personal financial circumstances. Annuity rates may fall or rise. If they fall, the pension you buy at later date may be smaller. You must take a tax-free lump sum before your 75th birthday or you will lose this option. Any income you withdraw will be taxed as earned income. You can’t access your money in your pension until reach the age of 50 (going up to 55 in 2010). Some pension schemes have additional rules about when you can take your benefit. You must check with your financial planning manager. The Key Features document informs you about the product’s aims, its objectives and the risks involved.
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We offer a number of services for starting a business, including information and support to help you achieve your goals and set you on the right path.
We offer easy and affordable business insurance for a variety of business requirements, and can tailor make a policy just for you, so you get just what you need.
We’ve got a great flexible business loan for general business needs, with repayments to suit your business needs.
For all the day-in, day-out stuff like making and receiving payments, you can rely on your business current account for a flexible and secure service.
Many businesses need them, so many businesses have them. When your cash levels dip a little low, a business overdraft could help you through until the cash comes in again (subject to application and status).
Manage your day-to-day banking from your PC day or night: check your balance, apply for a loan or overdraft, pay bills and suppliers, and move money between accounts.
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