Articles

R04 - Pension and Retirement

 

R01 Pension and Retirement PlanningPension and Retirement Planning - R04

Please note that our R04 material has now been updated for exams from 1st September 2013 and is available as an MP3 download by clicking on the Buy Now button below.

 

On Download J01

Price: £41

To purchase this Audio Pack on download online please click here

 

>>>>> Click here if you have a discount voucher code

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.

 

Free Membership

Register Now
To access free resources and receive our regular insights newsletter





Privacy Policy: Your email is secure. We guarantee not to share it with anyone.

What's New

Supervisor Accreditation Public Course 2014

Brand New – free exam guides for AF1, AF2, AF3, AF4, AF5 and AF6 – Click here to register

AF1, 2, 3, 4, 5 and 6 training available in house for 5 or more people - Click here

AF6 - Senior Management and supervision subject - Click here

Latest Press Article. View here

J10, J11 & J12 courses - Click here

Go to top