NEWSLETTER: Protection update and more reasons why everyone needs to save more
Contributed by MW Pensions
03 October, 2013

Contributed by MW Pensions [www.mwpensions.co.uk]
This Newsletter is intended as technical support for financial and other professional advisers. Members of the general public should not rely upon it
Fixed Protection 2014
The form to apply for FP2014 is now available on the HMRC website. The form can be completed and submitted online or by printing the PDF off and posting the completed form to HMRC Pension Schemes Services.
The relevant weblink is:
http://www.hmrc.gov.uk/pensionschemes/fp14online.htm
Applications for FP2014 must be received by HMRC by 5 April 2014. HMRC have advised that they will not send out any FP2014 certificates before 1 November 2013.
Individual Protection 2014
The consultation closed on 2nd September 2013. We do not know when HMRC will issue actual guidance on this. Watch this space!
But is there a need for HMRC to have a Lifetime Allowance at all?
It's worth standing back a moment. As a refresher, here is a history of the Lifetime Allowance:
2006/07 £1,500,000
2007/08 £1,600,000
2008/09 £1,650,000
2009/10 £1,750,000
2010/11 £1,800,000
2011/12 £1,800,000
2012/13 £1,500,000
2013/14 £1,500,000
2014/15 £1.250.000
2015/16 ???
This follows the introduction of wait for it "Pensions Simplification". Does HMRC expect the general public to understand this? The bottom line is that from next April the Lifetime Allowance will be £250,000 less than it was when it was first introduced a mere (in pensions terms) 8 years ago.
And all this is at a time when the government is also trying to encourage people to save see later in this newsletter for more good reasons for IFAs to be advising their clients to save for their retirement.
We also need to look at the Annual Allowance here's its history:
2006/07 £215,000
2007/08 £225,000
2008/09 £235,000
2009/10 £245,000
2010/11 £255,000
2011/12 £50,000
2012/13 £50,000
2013/14 £50,000
2014/15 £40.000
2015/16 ???
This means that the Annual Allowance for the next tax year is £175,000 less than it was when it was first introduced 8 years ago and £215,000 less than it was just 4 years ago (is it symbolic that £215,000 was the initial Annual Allowance?).
The Liberal Democrats have already adopted as party policy a reduction in the Lifetime Allowance to £1,000,000.
But wait if the Annual Allowance is £40,000, how many years does it take to accumulate £1M, let alone £1.25M (ignoring investment income)? You don't need an actuary to work that one out! In reality very few people can actually pay in £40,000 a year consistently for 10, let alone 20+ years.
It's a total nonsense having a Lifetime Allowance as well as a low Annual Allowance. We would ask that HMRC do away with the Annual Allowance altogether and simplify the extremely complicated pensions legislation in at least one small way.
The increasing need to save
We've written many times about increasing longevity and how that means IFAs need to encourage their clients to save more. The Office of National Statistics has recently published some more stark reminders about how we are all living longer. Look at the following:
- There are 12,032 people aged 100+ today compared 100 in 1913
- There are projected to be 22,000 aged 100+ in 2020 and 280,000 in 2050.
- A quarter of children today are expected to live beyond 100
- There are 465,000 people over aged 90, representing almost 1% of the population
- There are 3.3 women for every man over 90 and 8 women for every man over 100 (we make no comment!)
- Traditionally people got a telegram from the Queen on their 100th birthday. That has been changed to a card but, more interestingly, they now get a card every year from 105 onwards as well.
- The UK has one of the largest groups of "very old" people 823 out of every 100,000 or one in 121 people are at least 90 years old.
- Japan has the highest proportion with 1,197 per 100,000.
- India has the lowest of the countries in the ONS survey with one in every 1,700 being 90+
- Sweden, France and Italy had a higher proportion of 90+ than the UK.
- Norway, Australia and the USA had less.
The bottom line is that £1 of annual pension from age 65 now costs somewhere between £25 and £30. So a pot of at least £250,000 is needed to provide an annual pension of just £10,000. Sobering, isn't it?
Gilt Yield for Drawdown
The gilt yields to be used for drawdown calculations are:
August 2013 | 2.75% |
September 2013 | 3.00% |
October 2013 | 3.25% |
We do not give financial advice and no comments here are intended as such. The above information is based on our understanding of the legislation governing pensions at the time of writing. Before taking any action you should consult a qualified financial and/or tax adviser. Levels, bases of and reliefs from taxation may be subject to change.
This Newsletter is intended for professional advisors only, not members of the general public
October2013
MW Pensions Ltd
Oaklands Park
Hooton Road, Hooton
South Wirral CH66 7NZ
Tel: 0151 328 1777 Fax: 0151 328 0707
website: www.mwpensions.co.uk e-mail: admin@mwpensions.co.uk
Authorised and Regulated by the Financial Services Authority
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- » The Corporate Governance Review - Cyprus 2016
- » Double Tax Treaty between Cyprus and Latvia signed
- » How Canada Taxes Real Estate Gains Of Non-Residents
- » Cyprus - Seychelles collaboration through the double taxation treaty
- » Eight Myths Regarding Being Non-Resident For Canadian Tax Purposes
- » Tax Issues for Non-Resident Actors & Entertainers in Canada
- » The Tax-Efficient Way For Foreign Corporations To Acquire Canadian Corporations
- » Why do online entrepreneurs need to structure their companies carefully?
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- 2015
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- 2014
- December (2)
- November (6)
- » NEWSLETTER: THE NEW PENSION FLEXIBILITY FROM APRIL 2015: THE DETAIL EXPLAINED
- » NEWSLETTER: THE NEW PENSION DEATH TAXES FROM 6.4.15 EXPLAINED
- » NEWSLETTER: NEW CAPITAL ADEQUACY REQUIREMENTS FOR SIPP PROVIDERS AND UNREGULATED INVESTMENTS WITHIN SIPPS
- » QROPS BULLETIN - NOVEMBER 2014
- » Controlled Foreign Companies (CFC) legislation voted by the State Duma
- » Migrating the residence of the target company from Costa Rican jurisdiction raises tax consequences
- October (2)
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- June (9)
- » Banking in a Tax Haven isn't what it used to be!
- » Italian Tax Cuts
- » Part-Time Self-Employed Tax Submission
- » Life in the Sun: The Ease of Benefitting from Tax Residence in Malta
- » Cyprus Corporate Governance 2014
- » NEWSLETTER: HMRC tightening up on SSASs, unregulated product providers targeting PSLS, recycling issues, and an international pension conference
- » The Liability of Shareholders for the Tax Debts of a Company
- » Relief from Transfer Pricing for Controlled Foreign Companies
- » DFM Platform SIPP
- May (4)
- » The Dispute Resolution Review [Cyprus], Sixth Edition, Editor Jonathan Cotton
- » QROPS BULLETIN - MAY 2014
- » Malta Individual Investor Program - Facilitating Citizenship Through Investment in the Republic of Malta
- » NEWSLETTER: SIPP opportunities, new investment challenges for IFAs and delays in SSAS registration
- April (3)
- March (6)
- » Thin Capitalization in India
- » NEWSLETTER: Budget 2014: Important changes to pensions
- » QROPS BULLETIN - MARCH 2014
- » NEWSLETTER: Reallocation of assets/Beware if setting up a new scheme to beat the end of the tax year/UK pensions for non-UK residents
- » INSIGHT SIPP
- » Important Things about Home Insurance it is Imperative You Know
- February (8)
- » Murdoch and News Corp Receive $882m Australian Tax Rebate
- » Tom Perkins Believes that Taxes will lead to 'Economic Extinction' of the 1%
- » Weariness of Refund Fraud Heightens as Tax Season Returns
- » QROPS BULLETIN - FEBRUARY 2014
- » NEWSLETTER: CHANGES COMING INTO FORCE ON 6TH APRIL 2014
- » International Civil Fraud - Cyprus
- » New Online Pension Products And Services For Advisers
- » DFM Platform SIPP
- January (3)
- 2013
- December (1)
- November (6)
- October (6)
- » Seminar Invitation: QROPS/QNUPS/IHT Implications/New Platform/Fund Management and Online SIPP
- » Cyprus: Does the Boomerang Really Come Back Sometimes?
- » QROPS BULLETIN: OCTOBER 2013
- » The Importance of Planning
- » Why Malta?
- » NEWSLETTER: Protection update and more reasons why everyone needs to save more
- September (1)
- August (4)
- July (7)
- June (6)
- » Incentives for Third Country Nationals to Invest in Cyprus - Significant Improvements
- » QROPS BULLETIN: JUNE 2013
- » Introducing the ACORN LITE SIPP for Regulated Investments & Bank Accounts
- » Inheritance Tax U-Turn: Expats Must Plan Ahead
- » Landmark Supreme Court Judgment on the Rights of Depositors
- » Newsletter - June 2013
- May (7)
- April (3)
- March (7)
- » Return to 120% of GAD and ensuring SSASs are properly run
- » QROPS for Financial Advisers QROPS Choice
- » Forming a company in Monaco
- » Increase in Minimum Annual Tax Burden in Luxembourg and Restructuring Solution
- » Announcing the Launch of an Isle of Man QNUPS
- » Monaco Residency - easy process?
- » Why consider Monaco?
- February (11)
- » UK Publishes Draft Legislation on Offshore Companies Which Own UK Property
- » New 'Approved Manager' Regulations for Hedge Funds
- » Announcing the Launch of a Guernsey QNUPS
- » Changing Gears - Investment Funds in the British Virgin Islands are Moving from Strength to Strength
- » Asset Tracing Recovery Tools in the BVI
- » Depardieu, taxes and untrodden paths
- » Why you Should Choose the BVI for your Fund
- » Fast and Simple in BVI
- » Guide to Incorporating Companies in the BVI
- » QROPS: An Overview of Jurisdictional Differences
- » QNUPS: An Overview of Jurisdictional Differences
- January (7)
- » New Modifications to the Commercial Code
- » QROPS BULLETIN: JANUARY
- » Why isn't offshore dying?
- » Laws part of the Memorandum agreed for financial assistance to be provided by the Troika voted by Cyprus Parliament
- » The Autumn Statement 2012
- » Dubai - Property ownership through company structures
- » Money Laundering
- 2012
- December (2)
- November (7)
- » The Cyprus International Trusts
- » Increase in minimum annual tax burden in Luxembourg
- » Panama's Banking Center Reports Almost 12% Growth in Assets
- » Why do business in Bulgaria?
- » Setting up an LLC in Dubai
- » BVI Law Holds Even Keel Between Rights of Investors and Rights of Mutual Funds
- » A CHOICE OF NEW SIPPS
- October (8)
- » Offshore Companies Owning UK Residential Property Need To Take Urgent Action
- » QROPS BULLETIN OCTOBER
- » Announcing the Launch of the QROPS TRANSIT SIPP
- » Unisex GAD rates and a new service for defined benefit schemes
- » Will Cyprus collapse?
- » ARBITRATION AS EXPEDITED OPTION FOR CONFLICT RESOLUTION
- » Incentives for third country nationals to invest in Cyprus
- » Insight SIPP For Sophisticated Investors
- September (6)
- » Property in SIPP/SSAS and Death Benefit Trap
- » QROPS Bulletin September
- » Panama - Training, Tax Deductible
- » NEWSLETTER: SIPP cash rates, Unisex GAD rates, annuity rates worsen even more - and opportunities for IFAs!
- » SIPP / SSAS: COMMERCIAL PROPERTY MATTERS
- » SIPP / SSAS: COMMERCIAL PROPERTY MATTERS
- August (12)
- » QROPS BULLETIN
- » NEWSLETTER: Warnings for SSASs and those with Enhanced/Fixed Protection, property and illiquidity issues and the true costs of pensions
- » Form a Singapore Company
- » Offshore Companies Owning Uk Residential Property Need To Take Urgent Action
- » U.S. Law Jeopardizes the Panamanian Banking Secrecy
- » The Professional's Toolkit Shelf Companies
- » Weathering the storm
- » Funds article for New Europe
- » Bearer shares: are their days numbered?
- » QROPS BULLETIN August
- » Incorporation In Hong Kong
- » A gateway to the booming Asian market
- July (3)
- June (5)
- May (6)
- » Trusts & Foundations - The Best Tools for Giving...
- » NEWSLETTER: Pensions post 6.4.12 – the new Rules explained
- » Why you should consider Switzerland as part of your international tax planning arrangements?
- » A Different Style : VISTA Trusts 8 years later
- » Securities and investment business regulations in the British Virgin Islands
- » VAT Yacht Leasing Scheme
- March (4)
- February (1)
- January (7)
- » Cyprus Hydrocarbons Exploration and Exploitation: the Legal Framework and Licensing for hydrocarbon reserves in Cyprus' Exclusive Economic Zone
- » Cyprus Investment Firms
- » Outward Investment from Canada - The Offshore Perspective
- » Trade Marks in Cyprus: Registration, Protection and Infringement of Trade Marks and Community Trade Marks in Cyprus
- » The Document Keeping Requirement
- » The Professional's Toolkit - Shelf Companies
- » International Financial Centre Profile
- 2011
- December (3)
- October (5)
- September (2)
- August (5)
- July (6)
- June (2)
- May (6)
- » QROPS / QNUPS: Jurisdictional differences matter to Clients
- » Panama Pacifico: Gateway to the Americas
- » Income Tax Implications for Non-Residents Investing in Canadian Real Estate
- » QROPS Bulletin May 2011
- » QROPS Proposition: SIPP Specialists Hold a Unique Market Position
- » QROPS: Choice of Jurisdictions on Isle of Man
- April (3)
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- 2010
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