Irrespective of your age you should have a retirement plan, however the younger generation tend to be put off, as the complex nature of pensions can make pension planning daunting. Below we will have a brief look at the types of occupational pension schemes available and the way they work.

What are occupational pension schemes?

Occupational pension schemes are usually one of the following:

• Contributory occupational pension schemes

• Non contributory occupational pension schemes

• Open stakeholder schemes

A contributory pension scheme involves you paying a percentage of your salary into your pension scheme, as well as your employers contribution. A non contributory occupational pension scheme is where your employer makes all the contributions. And lastly, the stakeholder occupational pension scheme, where you make all the contributions, these are there since employers with more than a certain number of employees are required to offer a pension scheme, however they aren’t required to make any contributions .Understandably these aren’t very popular!

If you get the opportunity to join an occupational pension scheme then you definitely should, particularly if your employer will top up your contributions. You can just think of it being some extra in your wage packet every month (which you cannot touch for a while).

There are a number of advantages of joining an occupational pension scheme:

•Should you change employer or jobs it’s going to keep growing without you making any more payments

•If you think your contributions will not provide you with a adequate return to retire comfortably you can decide to make further contributions. This is known as AVC (Additional Voluntary Contributions)

•Occupational pensions will often (but not always) pay out a generous death benefit should you die before the age of retirement

If you get the opportunity to join an occupational pension scheme, then you should do so. If you work for a small company where an occupational pension is not an option then you really need to look at a private pension plan to give you security in retirement.

There are a few different types of occupational pension schemes, these are:

•Final Salary Schemes – this is when you’re guarenteed a level of income when you retire determined by a number of factors.. Very few company’s will offer this kind of pension these days, it is typically only found in the public sector nowadays.

•Money Purchase Scheme – the amount of money you may receive on retirement will be dependant on the amount of money paid in, how your investment funds perform and also the annuity rates once you reach retirement.

Occupational pension schemes can be be extremely beneficial – so it is recommended that you take one up if you get the opportunity. Planning for the future is more crucial now than it has ever been and it is imperative that you take every financial opportunity you get.

This article was written on behalf Robert Bruce Associates, independent financial advisors specialising occupational pension and annuities. For more details, please visit www.rbaifa.co.uk

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