Search results for "R04"
-
Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 6 Mar 2026
Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly! -
Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 30 Jan 2026
Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly! -
Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 17 Oct 2025
Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly! -
Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 26 Dec 2025
Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly! -
Friday Five Focus on Pensions – 5 Questions in 5 Minutes – 21 Nov 2025
Each week, we ask questions relating to one of these topics: Investments, Taxation, Pensions, Protection, or Regulation. This week, our Friday Five is relevant to Pensions; this is useful as you prepare for the CII's R04, AF7, or J05 exams. The challenge is for you to answer them in 5 minutes. Try the new interactive format and get your results and feedback instantly! -
Navigating the CII R0 Exams – Choosing the Right Path
Deciding the best order to tackle the R0 exams can feel overwhelming. Your choice will likely depend on a range of factors—your industry experience, existing knowledge, and even your employer’s expectations. While some candidates prefer the straightforward 'numerical' route, starting with R01 and finishing with R06, others take a more strategic approach based on their strengths and career goals. In this article, we’ll break down the key considerations to help you map out the most effective route for your R0 exam journey. -
Brand Bitesize: Understanding Phased Annuity Purchase
In this Brand Bitesize video, we break down Phased Annuity Purchase – a key retirement income option often tested in the CII's R04, J05, AF5, and AF7 exams. -
The Main Changes in the 2025-26 CII R04 Study Text
In this article, we look at the main syllabus changes in the CII’s 2025/26 R04 study text. Most of these stem from the tidying up of the rules around the new Lump Sum Allowance (LSA) and Lump Sum Death Benefit Allowance (LSDBA) from April 2024. There were also some deadlines that passed and one or two new ones that will affect pension planning. -
Sacrificing Salary Sacrifice
Recently, we looked at forthcoming legislative changes that will bring pensions inside of the estate for IHT purposes. Here, we examine another area of pensions where the government are proposing changes: salary sacrifice. This is particularly relevant for those studying towards the CII R04, R06, and AF5 and AF8 units. -
Pensions and IHT – The Practical Impact
In this article, we examine the impact of the legislation changes that will see pensions no longer being exempt from inheritance tax. This is particularly relevant for candidates studying towards the CII R03, R04, R06, AF1 and AF5 exams. -
Parental Leave and Pensions Explained: Key Rules for Defined Benefit and DC Schemes
In this article, we explain how employee pension rights are treated during periods of parental leave which covers maternity, paternity, and adoption leave. This topic is particularly relevant to the CII R04 exam and could easily feature in the client scenarios of the AF5 or R06 exam. -
Dividing Pensions in Divorce: Offsetting, Earmarking, and Pension Sharing Explained
When a marriage or civil partnership ends, dividing assets like the family home or savings is usually top of mind. But pensions are often overlooked, despite being one of the most valuable assets in a relationship. This post explains how pensions can be split on divorce, including the key methods and their pros and cons. This is useful reading as part of your preparation for the CII R04 or J05 exams. -
2028 Protection Explained: Key Facts for CII Exam Preparation
In this article, we look at 2028 protection, which is a form of transitional protection that will apply in 2028 when the normal minimum pension age increases to 57. This is particularly relevant to the CII J05 exam, where it has been specifically examined on multiple occasions previously, but could also easily come up as a question in R04. It may also be relevant to AF7. -
The Workings of the Money Purchase Annual Allowance (MPAA)
In this article, we discuss the Money Purchase Annual Allowance (MPAA), a restriction on pension contributions that applies once benefits have been accessed flexibly. We explore how it works, when it is triggered, and its implications for pension planning. This is useful reading as part of your preparation for the CII R04, J05, or AF7 exams. -
Guaranteed Minimum Pension (GMP): What It Is, How It Works, and Why It Still Matters
Here, we look at guaranteed minimum pension (GMP) including what it is, when it accrued, and how it might impact vesting of retirement benefits. This article is of relevance to anyone sitting CII AF7, R04, J05 or FA2.
