DH Pension

[IcelandicWarriors]

Been married for 8 years, together for 13. I'm 39 and he is 50. Both have good jobs and I'm the higher earner. DH should have a good pension. My DF is good at finance and he had a look at our pensions etc a few years ago. He expressed concerns at DH statements. It doesnt allign to what we would expect. DH never bothered to follow up. I have started to push him over last year and it turns out he never kept on top of several pension moves when his job was outsourced several times.

He doesn't have old paper work and I think there was a mistake somewhere down the line.

We spoke a couple of months ago and again today but all he has done is sent emails to try and get old paper work and won't really do anything else and now won't speak about it.

He does however want a new car.

I'm tempted to give him till the end of the year then see a financial advisor to see what I can do to protect my future. We have a 5 year old.

This matter does affect all of us doesn't it; we need to know where we may be in 15 years.

I forgot, I have started AVCs and putting more into mortgage repayments when I found out he was faffing.

Is the issue that you don't know where the pensions are or that he hasn't been paying into them? What is the significance of him wanting a new car?

All I want him to do is sort his shit out so we know where we are. We're in the car going away and I'm winding myself up.

It's amazing how many people there are that don't understand what pensions they have, what they will get from them, how long the income will last, will it be enough to live on. Most people go blindly through life just expecting the pension fairy to make it alright when retirement hits.

It's very important like you say but other than have a go at him, there is little you can do as the providers will only talk to him.

Crossed post. He doesn't really understand where his pensions sits and for the years, and percentage he has been paying in his statement seems significantly low compared to others. I want him to trace back via his paper work the transfer across 3 companies and see an advisor.

I am not sure if he should be paying £240 a month for a car while this needs sorting.

If our future financial burden is going to be on me given our age difference I want to plan now.

Unless he wants to live in his car YANBU. It is a matter which affects you both.
Is he a bit clueless on these things? My DH isn't great at them so I find myself sorting them and he just agrees. He's good at other stuff, that I'm rubbish at, so it works out.
Is that an option for you if it comes to it?

I've tried to help and he is able to sort stuff out such as costing out a car.

If you are in UK if you go onto HTC government website it will show you how much state pension you have already paid and how much you can expect in the future. Knowing this may motivate both of you to look at private pensions and other investments for the future

Grrrrrr auto correct HMRC government website

Was he sending off emails to previous companies?

Tell him to use the government tracing service.

www.gov.uk/find-pension-contact-details

And no end of he year bollocks - NOW!

I agree that as a couple you need to know so you can plan. And I agree that if you're capable of looking up cars, you're capable of finding your pension.

it would drive me batshit!