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Pensions
Group Personal Pension (GPP)
A collection of personal pension plans provided by an employer for its employees. It is a type of money purchase pension that builds up a personal fund for each employee which is then converted into an income at retirement. The pension fund builds up using your contributions and, where they are made, your employer’s contributions, investment returns and tax relief.
Executive Pension Plan (EPP)
A money purchase occupational pension scheme which provides greater investment choice than many other types of pension. It is provided by the employer and operated by a life assurance company. The member controls the retirement date, the contribution levels and investment choice. It is separate from any pension scheme that an employer may run for employees and therefore, it is confidential.
Defined Benefits Scheme
This scheme pays a retirement income based on a percentage of the member’s salary every year for the rest of their life once they reach retirement age. The amount received is normally based on the number of years the scheme has been paid into and the member’s salary either when they leave or retire from the scheme (final salary), or an average of their salary whilst a member (career average).
Salary sacrifice
Offered by some employers as a means for their employees to receive increased pension scheme contributions. The employee sacrifices part of their salary and the amount sacrificed is paid to the pension plan directly by the employer, rather than being paid to the member. As a result of having a lower salary, both the employee and employer pay less National Insurance Contribution (NIC).
Small Self Administered Scheme (SSAS)
A company pension scheme which allows members/employers greater flexibility and control over the scheme’s assets. It is made up of fewer than 12 members, all of whom are usually company directors or key staff. There is no limit on the level of employer or employee contributions or transfers.
NEST
A simple, low-cost pension scheme which provides an easy way of building up a retirement fund. It provides one retirement pot for life, which the member can keep contributing to. If the member changes jobs and their new employer uses NEST, they can receive contributions from the new employer into their existing retirement pot. Low charges mean that more of the contributions, the employer’s contributions and any money the government pays in through tax relief goes into the retirement fund