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Pension fees can cost 10% of savings, says Citizens Advice | Pension fees can cost 10% of savings, says Citizens Advice |
(about 4 hours later) | |
Withdrawing money from a pension fund can cost savers up to 10% of their retirement fund, according to Citizens Advice. | Withdrawing money from a pension fund can cost savers up to 10% of their retirement fund, according to Citizens Advice. |
The regulator, The Financial Conduct Authority (FCA) has already warned that up to 670,000 consumers face such fees. | The regulator, The Financial Conduct Authority (FCA) has already warned that up to 670,000 consumers face such fees. |
In a survey of people withdrawing cash from their pension, Citizens Advice found those with smaller funds were paying proportionately larger charges. | In a survey of people withdrawing cash from their pension, Citizens Advice found those with smaller funds were paying proportionately larger charges. |
Those with pension pots of less than £20,000 typically paid £1966 in fees. | Those with pension pots of less than £20,000 typically paid £1966 in fees. |
The regulator is planning to introduce a cap of 1% on such fees, from March 2017. | The regulator is planning to introduce a cap of 1% on such fees, from March 2017. |
But Citizens Advice said even that cap would be too high. | But Citizens Advice said even that cap would be too high. |
It is calling for a standard £50 charge to cover the providers' administration costs. | It is calling for a standard £50 charge to cover the providers' administration costs. |
"The threat of excessive charges can also put people off making the right pension choices for them," said Gillian Guy, the chief executive of Citizens Advice. | |
"A standard £50 exit fee across all types of pensions will mean consumers can make the most of the pension freedoms." | "A standard £50 exit fee across all types of pensions will mean consumers can make the most of the pension freedoms." |
The survey was based on 500 people who had taken money out of their pensions since April 2015, when the pension freedoms began. | The survey was based on 500 people who had taken money out of their pensions since April 2015, when the pension freedoms began. |
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