Why have Final Salary Pension Transfer Gone Down? The reason Final Salary pension values have very little to do with performance. The main reason pension values have gone down is Gilt Rates, this very closely linked to interest rates and inflation. As observed in the markets and across economies, including the UK & the US, inflation rates have soared to unprecedented levels. This is one of the primary factors of the ceding Scheme in the UK to consider when determining the CETV value.

The combination of high gilt rates and lower longterm inflation expectations are causing transfer values to decline, presenting challenges for anyone considering leaving their Defined Benefit (DB) pension schemes. Despite this, transferring might still be a beneficial move, especially with favourable annuity rates on offer. However, pension scheme members need to receive comprehensive support and expert financial advice before making any moves regarding their pension access.

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Key Points of the Video:

Interest Rates:
— Lower interest rates can increase the calculated value of pension liabilities, potentially leading to reduced transfer values offered by pension schemes.
Scheme Funding and Valuation:
— The financial health of the pension scheme and its underlying assumptions about longevity and investment returns directly influence transfer values.
Regulatory Changes:
— Legal and regulatory shifts can alter how transfer values are calculated, impacting the amounts offered to scheme members.
Market Volatility:
— Economic uncertainty and fluctuations in the stock market can affect the assets backing pension schemes, leading to adjustments in transfer values.

Reference:
https://www.marketwatch.com/investing...
https://www.thisismoney.co.uk/money/p...

Video Timestamps:
0:00 Introduction to Final Salary Pension Transfer Values
1:30 Impact of Interest Rates
3:00 Scheme Funding and Valuation Explained
4:30 Regulatory Changes and Their Effects
6:00 The Role of Market Volatility
7:30 Conclusion and Next Steps

Disclaimer
All Defined Benefit Pension Transfer Enquiries Completed By Trusted Independent 3rd Party FCA Regulated Pension Transfer Specialist

The Information on this channel is provided for education and informational purposes only. The information contained in or provided from or through this channel is not intended to be and does not constitute financial advice, investment advice, tax advice, or any other advice. You Should not make any decision, financial, investments, tax, legal, or otherwise, based on any of the information presented on this channel without undertaking independent Due Diligence and Consultation with a Professional IFA or Financial Advisory.

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