A simple guide to pensions

A pension is a long-term investment that can help you live in comfort in your later years.

While you might get a state pension from the government, this will only cover basic living expenses. That means you should supplement your state pension with a personal pot too.

What is a pension?

A pension is like a turbo-charged savings account because the money is invested for the long term (usually over many decades).

Most people start contributing into a pension when they start work because their employer automatically enrols them into a scheme.

STM Group plc (LON:STM) is a multi-jurisdictional financial services group listed on the Alternative Investment Market of the London Stock Exchange. The Group was formed as a strategic investment company specifically to build a leading financial services group originally operating in the international corporate and trustee service provider (CTSPs) sector.

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STM Group plc

STM Group extend Therese Neish’s contract as Interim Chief Financial Officer

25th September 2023

STM Group Plc (LON:STM), the cross border financial services provider, has announced the extension of Therese Neish’s contract as Interim Chief Financial Officer. As announced on 3 October 2022, Therese signed a 12-month contract with the Company

Key pension questions when planning for retirement

20th September 2023

“The starting point is to look at where you are at now and what pensions you might have already in place? “Usually, people come in with several pensions as a result of having moved jobs a

Pension Awareness 2023

11th September 2023

Pension Awareness is back. Bigger than ever. Better than before. We’re celebrating 10 years of making a positive difference. Over the last decade, we have contributed to helping and improving the financial lives of millions of people. An incredible achievement. Get involved from 11th –

STM Group updates on further extension to PUSU deadline

8th September 2023

STM Group plc (LON:STM) made an announcement on 5 September 2023, regarding an extension to the PUSU deadline and revised offer terms to those made in the announcement on 11 July 2023. As stated in the

STM Group further updates on PSF Capital offer

5th September 2023

STM Group plc (LON:STM) has provided the following update. On 11 July 2023, the Company announced (the “2.4 Announcement”) that it was in discussions with PSF Capital GP II Limited as general partner of PSF Capital

Pension scams

5th September 2023

Pension scams often involve attractive offers that aim to persuade you to transfer your pension pot (or release funds from it). If you’re worried about money and want to use your pension to repay debts, contact

How much do I need to save for retirement?

1st September 2023

Inflation has pushed a comfortable retirement further out of reach for many savers, who now need to build a pot of nearly £600,000 to achieve financial freedom, new research reveals. The rising cost of living requires

Continued growth in ESG & Sharia-compliant products

21st August 2023

The climate emergency, plus many other economic and political crises, have made many of us think more carefully about how our investment decisions affect the world around us. When it comes to planning for retirement that

Less than half of UK children have been taught about money

14th August 2023

Less than half of UK children have been taught about money at home or in school, according to a new report from the Money and Pensions Service (MaPS). STM Group plc (LON:STM) is a multi-jurisdictional financial

Commercial property SIPPs offer many advantages for investors

10th August 2023

Commercial property SIPPs offer many advantages for investors, especially for groups of individual SIPPs where they can use part of their individual pension pot to buy commercial properties which would otherwise be beyond their individual capability.

STM Group agreement, PUSU Deadline extended

8th August 2023

On 11 July 2023, PSF Capital GP II Limited as general partner of PSF Capital Reserve LP announced that they had reached agreement in principle on the key terms of a possible cash offer for the entire issued

The future of SIPPs

3rd August 2023

SIPPs have always evolved to meet changing demands, and will continue to be an important pension wrapper. In this article we explain why the future is bright for SIPPs in 2023, and beyond. A growing market

Centology choses industry leaders Options UK to launch its new digital Self-Invested Personal Pension

25th July 2023

Centology, a startup provider of integrated financial software has announced the launch of its new SIPP in partnership with Options UK. The SIPP is designed to provide clients with quick and easy access to a low

Sharia option in partnership with Wahed Invest

20th July 2023

Options are delighted to be working with Wahed Invest and confirm that their Sharia model portfolios are acceptable to be used within our Simple SIPP, providing our clients with a Sharia SIPP option. What happens next?

STM Group agrees in principle to takeover bid

17th July 2023

Options Pensions’ parent company STM Group has agreed in principle to a takeover bid by Pension Superfund Capital, a company founded by industry veteran Edi Truell. In an announcement to the stock exchange this morning (July 11),

STM Group agrees to ‘possible cash offer’ sale of entire business

13th July 2023

Cross-border financial services provider STM Group has reached agreement in principle on “the key terms of a possible cash offer” for the entire issued and to be issued share capital of the company from Pension SuperFund

STM Group AGM to be held on 22nd August 2023

12th July 2023

STM Group Plc (LON:STM), the cross border financial services provider, has clarified that the AGM Statement announcement on the 28 June 2023 stated the incorrect time for the Annual General Meeting. The Meeting is to be

How to start a private pension

10th July 2023

As the cost of living goes up, many people are finding that they need both State and private pensions to fund a good retirement. Estimates suggest that over £11 billion were contributed to private pensions in the 2020-21

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