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Most popular Steve Webb columns on private pensions: The 15 hot topics

Дата публикации: 23-02-2026 16:44:55

This is Money's star agony uncle Steve Webb receives many questions on private pensions. We've compiled his columns on 15 frequently raised topics.

Основное содержимое страницы с новостью.

This is Money columnist Steve Webb receives many questions about private pensions. 

If you would like to ask Steve a question about pensions then you can find the details below.  

But first read our round-up of his most popular questions. We've compiled his columns on 15 frequently raised topics below.

1. Tax free lump sums

Will tax-free lump sums be abolished or slashed by the Government?

I'm 55 and want to take 15,000 from my pension pot - can I do it tax free and continue to contribute to it?

Should I opt for a 64,000 lump sum or higher monthly 1,100 payments from my local government pension?

Can I split my 25% tax-free pension lump sum and take some this year with the rest later?

I'm allowed a 33% tax-free lump sum so why is HMRC stopping me taking it?

Got a question for Steve Webb? Scroll down to find out how to contact him

2. Financial advisers

Should I switch my work pension to a Sipp with my investments managed by an adviser?

I'm going to see a financial adviser - what should I ask about my pension?

I’ve discovered an old financial adviser is taking £60 a month from my pension for doing nothing! Can I get my money back?

3. Finding lost pensions

Can you help me find a long lost pension? Tips for finding old pots that can be worth many thousands

4. Tax issues

What is the point of pension tax relief?

Why am I being unfairly penalised over 25% pension tax-free cash after lifetime allowance abolition?

Is it worth my wife still giving me 10% of her personal tax allowance after she gets the state pension?

When will low earners start to get tax relief on their pension contributions?

Do I have to fill in a tax return?

Got a pension question? Scroll down to find out how to contact Steve Webb

5. Pension withdrawals

Can I still get my private pension at 55 - not 57 - because I was born in a two-year window in the 1970s?

Why does Nest have stricter rules on withdrawals and tax than other pension schemes?

Would I be better off taking an NHS pension at 55 or holding on until I'm 60?

6. Annual increases

Is it true pensions won't be increased by RPI inflation after 2030?

Why does my pension only increase by paltry amounts? Can't company schemes be forced to give 'triple locked' rises?

7. Annuities

How does the guarantee on a 100% joint life annuity pension work?

Should I buy an immediate needs annuity to pay my 86-year-old mother's care fees?

I'm struggling to hit a tight deadline to turn six pensions into a £17,500-a-year annuity - why don't I get longer?

My husband has two small annuities and is in poor health: Will I lose the income if he dies before me?

I am 70 and live off a successfully invested £220,000 pension fund, but at my age should I buy an annuity?

8. Moving and merging pensions

My wife has ten pension pots - how can she sort them out?

Why am I being asked intrusive questions about moving my pension - can I refuse to answer?

The cash transfer value of my pension has dropped by £300k: Why wasn't I warned?

9. Pension safety

My final salary pension is due when I'm 65 but I fear it is going bust - should I transfer out now?

My company pension is moving to an insurer - what happens if it goes bust?

How safe are my pensions? I'm worried the rules seem confusing

Why does the Pension Protection Fund only give pensioners a 2.5% raise when its reserves are overflowing with cash?

10. Starting a pension late

I'm a 45-year-old professional, rent my home and have no pension - should I worry?

11. Rogue employers

My son's new employer has no pension – what can he do?

I'm a nanny chasing an ex-employer who didn't enrol me into a pension - she's now ignoring emails and texts

12. Inheriting pensions

Can my daughter inherit my local government pension as I have nothing else to leave her?

Can I still leave my pension to an adult child under the new inheritance tax rules?

We have no children, so can my wife and I leave our pensions to whoever we want?

Can married couples still inherit pension pots tax-free after the Budget changes?

13. Auto enrolment

Why is 8% of my salary meant to go into my pension but it's NOT that much in reality?

14. Winter Fuel Payments

Is the Winter Fuel Payment £35,000 income threshold for an individual or a household?

I received a text from the DWP about claiming Winter Fuel Payment - is it real?

Will I lose the Winter Fuel Payment if I take money out of my pension and go over the £35k income limit

15. McCloud Judgment

Why is the teacher's pension scheme demanding I repay money because of the McCloud judgment? 

Ask Steve Webb a pension question

Former Pensions Minister Steve Webb is This Is Money's Agony Uncle.

He is ready to answer your questions, whether you are still saving, in the process of stopping work, or juggling your finances in retirement.

Steve left the Department of Work and Pensions after the May 2015 election. He is now a partner at actuary and consulting firm Lane Clark & Peacock.

If you would like to ask Steve a question about pensions, please email him at pensionquestions@thisismoney.co.uk.

Steve will do his best to reply to your message in a forthcoming column, but he won't be able to answer everyone or correspond privately with readers. Nothing in his replies constitutes regulated financial advice. Published questions are sometimes edited for brevity or other reasons.

Please include a daytime contact number with your message - this will be kept confidential and not used for marketing purposes.

If Steve is unable to answer your question, you can also contact MoneyHelper, a Government-backed organisation which gives free assistance on pensions to the public. It can be found here and its number is 0800 011 3797.

Steve receives many questions about state pension forecasts and COPE – the Contracted Out Pension Equivalent. If you are writing to Steve on this topic, he responds to a typical reader question about COPE and the state pension here.  

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