Personal Or Stakeholder Pensions – Regular Contributions


You may be paying, (or have previously paid) into a Personal Pension or Stakeholder Pension while still a member of the employer’s pension scheme. These type of pensions may have been unsuitable for you if you had the option to purchase added years or contribute NHS AVC and especially if you had no private earnings.

Example: An NHS doctor who was in the NHS pension and was persuaded to save into a private pension, (Personal or Stakeholder): If you had no private earnings in addition to the NHS income, then you would have been better advised to choose to top up the employer scheme.

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