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“You keep the pension, I’ll keep the house.” Fair?
A pound of pension is not worth a pound of house — pensions carry tax that property and cash do not. Move the sliders, see the real trade-off, and take a written sketch to your solicitor. Everything runs on your device; we see nothing.
The offset on the table
What the pension is really worth
- Pension CE value on paper
- £300,000
- Projected value at access (10 yrs growth)
- £—
- After tax (25% tax-free, rest taxed)
- £—
- Today’s-money equivalent of the pension
- £—
- Assets offered instead
- £300,000
—
—
Copy a brief for your solicitor
Educational only, using simplified assumptions you control above — not financial advice and not a substitute for a full analysis. Defined benefit pensions, early-access penalties and lifetime allowances change the picture. For a professional analysis,start here.
When the sketch stops being enough
Defined benefit schemes, adjustment factors and sharing-vs-offsetting comparisons need a professional analysis. That is the specialist work we do — David Patrickson is one of only 39 Resolution Accredited advisers in the UK.