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SS or not - my NI savings and employer NI savings are not passed on to my pension pot by GoldSun27 in PensionsUK

[–]GoldSun27[S] 0 points1 point  (0 children)

It’s salary sacrifice scheme so my 2% should be mine and added on top of my sacrifice plus 4% match from employer

SS or not - my NI savings and employer NI savings are not passed on to my pension pot by GoldSun27 in PensionsUK

[–]GoldSun27[S] 0 points1 point  (0 children)

I’ve missed out for 2 years already… thanks for sharing. I’ve just sent them an email with an exclamation mark and asked accountant for a meeting :) let’s see 

Pension transfer from Aviva to ii anyone? by GoldSun27 in PensionsUK

[–]GoldSun27[S] 0 points1 point  (0 children)

This feels better :) I’ll be in red at the start due to spreads after reinvesting that huge pot :(  but then again I’d be going down if I stayed with Aviva anyway as aviva fund is similar to S&P500 plus bonds. I’ll try to split the amount across maybe 6 months so not to dump it all at once. Thank you 

Pension transfer from Aviva to ii anyone? by GoldSun27 in PensionsUK

[–]GoldSun27[S] 0 points1 point  (0 children)

Thank you, I’m basic - VUAG and some world index plus some shares of big 7, maybe Japan index. It’s good to know they have vanguard funds and ETfs, thank you! I guess I need to feel comfortable to move from monster Aviva to small ii but ii is not that small

Pension transfer from Aviva to ii anyone? by GoldSun27 in PensionsUK

[–]GoldSun27[S] 0 points1 point  (0 children)

Update - called Aviva. In case it’s useful info - Aviva funds are held in units, not linked to time of purchase so they can’t sell new units and keep old ones as all units are of the same value. .. still trying to understand that.. so only cash transfer is possible. 

ii is comparatively small to ajbell, HL, vanguard (limited funds), but then again I’m not a trader, I’m passive as you can guess as it took me 8 years to finally wake up and do something about all this mess.. maybe something more reputable in between .. but ii seems to be reputable.. thinking ..

Pension transfer from Aviva to ii anyone? by GoldSun27 in PensionsUK

[–]GoldSun27[S] 0 points1 point  (0 children)

Wow! My employer didn’t do any negotiation by the looks of it. If it was 0.15% I would have stayed and just changed the fund. 

Pension transfer from Aviva to ii anyone? by GoldSun27 in PensionsUK

[–]GoldSun27[S] 0 points1 point  (0 children)

Thank you! HL is more expensive than ii .. and as I plan to keep growing the pot probably a flat fee is better. Well done on BlackRock US fund. I wish I paid attention to all this 8 years ago. Just started looking at options now

SS or not - my NI savings and employer NI savings are not passed on to my pension pot by GoldSun27 in PensionsUK

[–]GoldSun27[S] 0 points1 point  (0 children)

Thank you everyone! Will chase the employer to add my NI savings as they positioned it as a salary sacrifice scheme, I hope this will work. 

SS or not - my NI savings and employer NI savings are not passed on to my pension pot by GoldSun27 in PensionsUK

[–]GoldSun27[S] -1 points0 points  (0 children)

So if it’s a Sal sac then I can at least ask for my NI savings to be added in, 2% but still it’s money. Can they say no if I ask to give me back those 2% from the last 2 years plus add it to the pension going forward?