Extremely Misleading

Roger, from Kent, is in line to receive a pension of £ 48,000 pa based on his final salary and 37 years continuous pensionable service.  His Clawback on reaching State Retirement Age will be £ 2100 pa.  This calculates to just 4.4% of his pension income.

Until he began contributing to the pension scheme in 2009, he believed that the term ‘State Deduction’ was a tax deduction payable on his pension.

“ The terminology State Deduction is extremely misleading. It implies an external government related deduction, rather than an internal HSBC one.”

He also advises that it will have very little impact on his own everyday financial situation.

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