following on from the child benefit thread about being under threshold. we will put more money into dh's pension but it is me who really needs a pension as i lost my employee pension (it is frozen) when I took redundancy and I am now a stay at home parent and likely to be until the final dc starts school in four years..
Can we pay into a private pension for dh and then buy an annuity for me when it comes to it? or is it not transferrable? I know little about pensions but am going to start educating myself as up to now i've just relied on my employers scheme.
dh has about £3k over the amount where we wouldn't give up any cb if that makes sense so we need to look at his adjusted net income.
TIA