Contracting out

When you opt to leave the State Second Pension (S2P) or State Earnings Related Pension Scheme (SERPS), this is known as contracting out. You’ll receive a rebate on your National Insurance contributions, which can be invested in a pension fund. This only applies to people who are members of occupational schemes, however you may still have ‘Contracted Out’ benefits from the past.

Tuning out the Noise

When factors outside our control impact on your investments, an eloquent overview from David Gow in our recent newsletter.

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