R04 - Pension and Retirement


R01 Pension and Retirement PlanningPension and Retirement Planning - R04

Please note that our R04 material is suitable for exams from up to 31st August 2014 and is available as an MP3 download by clicking on the Buy Now button below.  Material will be updated over the summer for exams post 1st September, and should be available here in late August.


On Download J01

Price: £41

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Size: 13 modules, approximately 4 1/2 hours of material
Download time: approx 6 minutes over high speed broadband

Please note: After purchase you will receive an email that includes the download link. If this doesn't appear in your inbox within a few minutes please check your spam folder.


The key areas of each module is shown below.

Module 1 (11 minutes)
RO4: the exam and preparing for it

Regulated Diploma exam structure . The R04 exam . multiple-choice questions . exam preparation . 7 golden rules for the exam

Module 2 (15 minutes)
Political, economic and social environmental factors

Government pension reforms . attitudes towards pensions .  the aging population .  corporate responsibilities . pensions incentives / disincentives . the 3 main pensions: state, defined benefits, defined contribution

Module 3 (25 minutes)
HMRC Regime – part 1

Relevant UK individuals . tax relief . relevant excess contribution . normal minimum pension age .  PCLS . taxation of death benefits . tax treatment of pension funds . the four tax sanctions . EFRBS . QROPS

Module 4 (23 minutes)
HMRC Regime – part 2
Annual allowance . pension input/output amounts . BCEs . lifetime allowance . protected pension age
Module 5 (11 minutes)
HMRC Regime – part 3

Primary protection . enhanced protection

Module 6 (17 minutes)
Pensions law and regulation

Pension Acts . the three compensation schemes . duties of pension scheme trustees . European legislation . pensions and divorce: earmarking, off-setting, sharing

Module 7 (12 minutes)
Defined benefit schemes

Options for early leavers: refund of contributions, preserved benefits,  revaluation rates, transfer, transfer analysis system

Module 8 (28 minutes)
Defined contribution pension schemes

Types of DC scheme . contributions and tax relief . statutory money purchase illustrations . contracting out and protected rights .   benefits on retirement, ill-health and death . stakeholder pensions . NEST

Module 9 (27 minutes)
Drawing pension benefits – part 1

Secured pensions: scheme pensions, lifetime annuity .  what affects annuity rates? . with-profit and unit linked annuities . advantages/disadvantages of secured pensions .  short term annuities . income withdrawal . advantages/disadvantages of income withdrawal . drawdown to drawdown transfer

Module 10 (15 minutes)
Drawing pension benefits – part 2

Phased retirement . advantages/disadvantages of phased retirement . type A and type B critical yields . trivial commutation

Module 11 (20 minutes)
State pensions

NI contributions . state pension age . SERPS .  S2P .  pension forecasts .  pension credit . contracting out

Module 12 (19 minutes)
Retirement planning

Evaluating an individual’s aims and objectives . investment asset classes . alternative retirement income . regular reviews . main characteristics of self investment

Module 13 (19 minutes)
Crammer module

This consists of the summaries of the previous modules.


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