P542 Teletext 542 Oct28 21:46:01         ——— PENSIONS, PENSIONS, PENSIONS ——————   It's been a big week for   pensions with several surveys  forecasting doom and gloom for  those without pension plans.  The message being ——llfred home is that the State will not provide enough cash for a comfy retirement. Only proper pension planning can reap high returns. Tax relief and simply going without a small amount of money today can build up a large pension pot tomorrow. ——————————————————————————————————1/8—— Nicholas Parsons' Value for Money 674 EARN UP TO 10.25% OFFSHORE SEE PAGE 561 Advice Savings Property Plus Shares
P542 Teletext 542 Oct28 21:54:13         ——— PENSIONS, PENSIONS, PENSIONS —————— Barclays Life says to get the average annual income of £17,200 once retired, you would need to put £200 a month into a pension from the age of 25. However, if you don't start a pension until you are 30 and aim to retire at 60, you need to put in £450 a month. IFA Promotion believes £370m is wasted by 500,000 people over 45 who are on 40% tax but don't top up their pension with extra voluntary contributions. ——————————————————————————————————5/8—— How to get started buying shares 543 Download and Analyse Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus Shares
P542 Teletext 542 Oct28 21:51:10         ——— PENSIONS, PENSIONS, PENSIONS —————— The Equal Opportunities Commission says there's a 20% gap between men and women's salaries - making it harder for women to fund a wealthy retirement. Women live longer, which increases the cost of pension provision. Career breaks can diminish funds even more. A woman of 25 who has a five-year break for a family may need to pay 50% more than a man of the same age, to get an equivalent pension return. ——————————————————————————————————6/8—— Divorce lifts house moves by 10% 544 Download and Analyse Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus Shares
P542 Teletext 542 Oct28 21:42:00 Advert YOUR MONEY 8/8 Investing in Traded Endowments? Making Money Made Simple.  ith our widest-ever range of  quality and expert search services,we'll find the best traded endowment to suit your needs without the fees or the fuss. WIDEST CHOICE EVER - RECORD LEVELS OF POLICIES AVAILABLE Call us now Lines open 24 hrs a day,7 days a wk. Free information pack available.      POLICYPLUS INTERNATIONAL PLC Member of the APMM and regulated by the Personal Investment Authority. If in doubt, seek expert advice Advice Savings Property Plus Shares
P542 Teletext 542 Oct28 21:42:01         ——— PENSIONS, PENSIONS, PENSIONS —————— Figures show 40% of workers - that's 8m people, have no pension and will get only state pension on retirement. Richard Branson says his new Virgin Personal Pension offers pfople what they really want; flexible ——xlfnts, low charges and high potential returns. But independent financial advisers say you need more than that. Choosing a pension is just one part of retirement planning. IFA Promotion: 0117 971 1177. ——————————————————————————————————2/8—— Virgin Personal Pension: 0345 95 95 95 Download and Analyse Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus Shares
P542 Teletext 542 Oct28 21:40:00         ——— PENSIONS, PENSIONS, PENSIONS ——————   Barclays Life says 50% of   workers put £50 or less a   month into a pension plan.    "People treat penchons as their lowest priority, when proper pensions planning will determine their quality of life in retirement," says BL's Nigel Waite. On average, people now spend up to 20 years or more in retirement, and 10% of pensioners say their retirement has meant being in debt for the first time. ——————————————————————————————————3/8—— Jim Slater's investing tips 543 Download and Analyse Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus Shares
P542 Teletext 542 Oct28 21:40:14         ——— PENSIONS, PENSIONS, PENSIONS ——————   Putting money into a pension  is a question of balance.  Experts say don't overcommit  yourself if it means being hard up. The current state pension is £61.15 for a single person and £97.73 for a married couple each week. That works out as an annual income of £3,180 and £5,803 against the average annual income of £17,200 for working people in the UK. ——————————————————————————————————4/8—— Brew coffee, bake bread, sell home 544 Download and Analyse Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus Shares
P542 Teletext 542 Oct28 21:41:06         ——— PENSIONS, PENSIONS, PENSIONS —————— "Job insecurity and women marrying later in life means the time available to fund their pension is limited," says finance expert Fiona Price. "Even women who are not working can make some plans for their retirement. It's the cornerstone of building financial independence for the future." Women & Pensions jargon-free guide is £2.95 from Fiona Price & Ptns, 33 Great Queen St, Covent Garden, London. WC2B. ——————————————————————————————————7/8—— Money news updates daily 541 Download and Analyse Share Price on Your PC See Pages 532 & 533 Advice Savings Property Plus Shares