Part of an employee's National Insurance contributions goes into SERPS (State Earnings-Related Pension Scheme), which is paid on top of the Basic State Pension on retirement. The SERPS pension, payable when you reach State pension age, depends on your earnings while you were in employment and the National Insurance contributions paid. SERPS is paid in addition to the Basic State Pension. This was replaced by the State Second Pension in April 2002.

Mercier Allen and Associates Limited (Registered Office: 43-44 Carfax, Horsham, West Sussex RH12 1EQ; Registered in England and Wales Number 5440169) is a trading name of Mercier Allen and Associates Limited an appointed representative of The On-Line Partnership Limited which is authorised and regulated by the Financial Services Authority (www.fsa.gov.uk). Mercier Allen and Associates Limited is a Limited Company.

We give our clients the opportunity to pay us a fee if they wish; our normal fee is £250.

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This web site is designed to provide you with general information only and does not attempt to give you advice on any particular area or to recommend any particular product to you. The information in this web site is targeted at UK customers only.
INVESTMENT PROPERTY PURCHASE (BUY-TO-LET MORTGAGES) ARE NOT REGULATED BY THE FINANCIAL SERVICES AUTHORITY.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
THE VALUE OF THE MONEY YOU INVEST CAN GO DOWN AS WELL AS UP AND YOU MAY GET BACK LESS THAN YOU INVESTED.

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