R04 – Pension and Retirement Planning Download

£38.33 + VAT

Our R04 audio study guide. Over 5 hours of simple and effective exam study material for you to use when commuting, running, at the gym and just about anywhere! Instant download.

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R04 Exam – Pension and Retirement Planning. Size: 13 modules, over 5 hours of material
Download time: approx 4 minutes over high speed broadband

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R04 Pension and retirement

Module 1 (11 minutes)
R04: the exam and preparing for it CII Regulated Diploma exam structure | The R04 Pension and retirement planning exam | multiple-choice questions | exam preparation | 7 golden rules for the exam

Module 2 (20 minutes)
Political, economic and social environmental factors Government pension reforms | attitudes towards pensions | the ageing population | corporate responsibilities | pensions incentives / disincentives | the 3 main pension types: state, defined benefits, defined contribution

Module 3 (42 minutes)
HMRC Regime – part 1 Relevant UK individuals | tax relief | relevant excess contribution | normal minimum pension age | PCLS | taxation of death benefits | trivial lump sum and ‘small pots’ | tax treatment of pension funds | dependants, nominees and successors | the four tax charges

Module 4 (42 minutes)
HMRC Regime – part 2 Annual allowance and tapered AA | pension input period (PIP) | carry forward | transitional arrangements | Money Purchase Annual Allowance (MPAA)| BCEs | lifetime allowance | protected pension age

Module 5 (19 minutes)
HMRC Regime – part 3 Primary protection | enhanced protection | protecting a higher TFC entitlement | fixed protection 2012, 2014 and 2016 |individual protection 2014 and 2016

Module 6 (23 minutes)
Pensions law and regulation The key Pension Acts | the two key protection schemes | duties of pension scheme trustees | pensions and divorce: earmarking, off-setting, sharing | auto-enrolment and NEST

Module 7 (23 minutes)
Defined benefit schemes Options for early leavers: refund of contributions, preserved benefits | revaluation rates | transfer value analysis and critical yields

Module 8 (20 minutes)
Money purchase pension schemes Types of money purchase scheme | contributions and tax relief | statutory money purchase illustrations | benefits on retirement, ill-health and death

Module 9 (29 minutes)
Drawing pension benefits – part 1 Secured pensions: scheme pensions, lifetime annuity and flexible lifetime annuity | what affects annuity rates? | with-profit and unit linked annuities | advantages/disadvantages of each type of pension option: secured pensions, UFPLS, capped and flexi-access drawdown | drawdown to drawdown transfer

Module 10 (17 minutes)
Drawing pension benefits – part 2 Phased retirement | advantages/disadvantages of phased retirement | FCA requirements | Pension Wise

Module 11 (17 minutes)
State pensions State pension age | pre- 6 April 2016 rules | post- 6 April 2016 rules | foundation amount | triple lock guarantee | state pensions credit |Bereavement Support Payment

Module 12 (24 minutes)
Retirement planning Accumulating pension savings | pension fund investment | client objectives | accessing pension benefits | tax planning | alternatives to pensions

Module 13 (23 minutes)
Crammer module This consists of the summaries of the previous modules.

R04 Pension and retirement

 What people say about us

‘Just to let you know your audio files were fab and I passed first time.  Really helped and well worth the money.  Without the audio I don’t think I would have got through, as it was so easy to use and make sense of.  Brilliant!’

Michelle Pennington

‘It’s been fantastic, you make everything very clear with examples and by testing my knowledge by asking questions. I went on a training course….. and I understood things a lot more using your audio … Also very affordable and can listen at any time….. All in all, they have allowed me to pass four R0 exams in a short period of time when I have still been having to work in a demanding role. Thanks for all of your help!’

Jack Mason-Brown, Trainee Adviser

R04 Pension and retirement

To read about 3 tips to pass R04 that everyone should know, click here