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Here you will find summaries of and links to occasional posts about our thoughts on annuities and pensions in general. Feel free to contact us via the site to let us know what you think. is a trading style of Farsight Financial which is authorised and regulated by the Financial Conduct Authority.

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Annuity Rate Changes


Insurance companies change their rates (either increasing or decreasing them) on a regular basis. We track these changes and publish them as part of our service. Keep an eye on different companies activity (.....)





Last Rate Change 2nd August 2016 - DOWN.

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Free Pension Reviews!


The FCA has issued a warning to the public on the back of the March budget which talked about a planned at-retirement guidance service. Unsurprisingly (.....)






By Alastair Miller on 15th July 2014.

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Blog Archive


Saved posts from the past.....









Blog Archive

You're Never Too Old........


There was a fascinating article in the Daily Mail yesterday that focused on the opportunity lost to older workers who choose to opt out of their employer's (.....)






By Alastair Miller on 31st July 2014.

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Spend Spend Spend


In the wake of the March budget which promised pension flexibility for all The Pensions Policy Institute (PPI) has examined the possible impact of that flexibility (.....)






By Alastair Miller on 26th August 2014.

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Pension Awareness Day


The Institute of Fiscal Studies (IFS) has announced that retired couples born in the 1940s are significantly better off than their children or grandchildren, who will have to (.....)






By Alastair Miller on 15th September 2014.

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8 Steps To Brighter Retirement


1. From April 2015, you can use your pension savings in any way you like. The first 25% can be taken as tax-free cash and the remainder used as you wish (all income or capital withdrawals subject to your marginal (.....)





By Alastair Miller on 22nd September 2014.

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Retirement Checklist


Three elderly men were talking about what their grandchildren would be saying about them fifty years from now.  'I would like my grandchildren to say, 'He was successful in business’, declared the first man.  'Fifty years (.....)





By Alastair Miller on 29th September 2014.

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Pension Liberation?


More and more we're hearing stories of people offering to 'liberate' clients' pension pots; such offers, which promise to give you access to the funds now, can be very tempting. Which of us wouldn't (.....)





By Alastair Miller on 20th October 2014.

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Intestate? So What?


Recent studies suggest almost 67% of adults have no will in place to decide what happens to their estate should they die. Such people are ‘intestate’ and if that is you the rules governing how your estate will (.....)





By Alastair Miller on 17th November 2014.

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Autumn Statement - Pensions


In the Budget 2014, George Osborne announced 'pensioners will have complete freedom to draw down as much or as little of their pension pot as they want, anytime they want'. Some of those changes have (.....)





By Alastair Miller on 4th December 2014.

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No Regrets?


The top ten Regrets of the Over 50s - nearly a quarter said they hadn't seen enough of the world, a fifth said they didn't save enough money for retirement, almost the same amount said they married the (.....)





By Alastair Miller on 13th December 2014.

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Pensioner Bonds


The new Pensioner Bonds have been available for a few weeks now and, as predicted, they proved extremely popular on launch.


The attractive terms for the (.....)





By Alastair Miller on 13th March 2015.

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Pension Wise


Pension Wise will be available face-to-face, over the telephone and online. The telephone service will be provided by The Pensions Advisory Service and the face-to-face service by the Citizens’ Advice Bureau at (.....)





By Alastair Miller on 24th March 2015.

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