Ask The Expert

Myfinances.co.uk has assembled a collection of experts in the fields of personal finance to answer your questions. So, if there is a major headache in your financial world that you would like some clear expert advice on, please use this email expertadvice@myfinances.co.uk.

Ask the Expert: Questions

How can I diversify my pension savings in a risk-averse way?

A 66-year-old man wants advice on how to diversify his pension fund so that the growth matches his income-drawdown requirements.
Can I sell my pension fund?

A 46-year-old man wants to know if he can sell his pension fund valued at £80,000 immediately.
Can I withdraw money from a pension fund that is paying out to me?

A reader wants to know if they can access all of the funds invested in a pension fund that is already paying out some money to them
Can I access a lump sum from my old pensions?

A reader wants to know if he can accessa lump sum from one of his two old pensions that he stopped paying into three years ago.
Can I raise funds from an old work pension?

A reader wants to know what options and tax implications there are about raising funds against an old employers pension.
What are the pitfalls of releasing funds from a pension policy?

A reader has come across a scheme that is offering to release funds from an old pension scheme he has invested and wants to know the pitfalls.
Can I force a previous employer to release my pension funds?

A woman wants to know if she can cash in her pension with a previous employer
Starting out with Sipps?

A reader has £100,000 and wants to invest in a self-invested personal pension.
Pension value shrinking?

A reader from Frodsham is worried about a fall in the value of her pension fund.
Covering myself if pension goes bust?

A reader is worrying about how to protect himself from his pension company going bust.

Questions Archive

Experts

Ben Rees

Company:

Ben Rees of Denehall Wealth Management has spent nearly 10 years working in the investment management sector, both within global banks and smaller niche practices. He is a qualified fund manager holding the Investment Management Certificate (IMC), as well as being a Chartered Financial Planner and Chartered Financial Analyst.;

Tom McPhail

Company:Hargreaves Lansdown

Tom McPhail is a leading commentator on pensions, with broad experience of pensions and investment related issues. He has over twenty years experience in the financial services industry, having started his career at Norwich Union in 1986. Since then he has worked for a small, specialist pensions insurance company, dealing with Sipps, SSASs, Drawdown and group pensions; he has run a pensions business for a large regional IFA company; and has worked as a specialist pensions adviser, giving advice to individuals and companies on pensions issues.;