De-risking Pensions I am not too far from starting to think about retirement dates (c.5yrs) but having restless nights thinking about what might happen to my pension pot in the current geopolitical and economic context. Wars, corruption, AI bubble, chaotic governments etc. so much instability and just have a gut feeling ...
VouchedFor phone numbers linked to different people I'm likely to retire soon and need an IFA to provide advice on size of lump sums etc etc.Starting on the MSE website I found some pages that pointed me to "vouchedfor". So I entered my location and did a search and a few local names came up. So far ...
Google Alert - Pension
IHT 2027 Pension Changes: Using JLSD Term Policy vs Alternatives? I'm looking for any critiques or pitfalls on a temporary IHT strategy I’m considering as I look out to the IHT changes from April 27.The Situation:The Estate: Expected to peak at around £2.5m when my wife and I hit age 60.Long-Term Plan: Draw down excess SIPP income to gift to ...
Google Alert - Pension
Google Alert - Pension
Google Alert - Pension
Google Alert - Pension
Google Alert - Pension
LGPS - pensions increase. Confused. Hi. I am trying to understand how my LGPS pension works. I have made a lot of progress (from a zero start) but …..i have just received my 2026 benefit statement. I’m a deferred member. It says this:
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Is retirement boring? After counting years/ months down, I find myself thinking retirement will be boring - I get bored when it's a long weekend like this one (Scotland got an extra public holiday for the football). I've therefore decided to stay on for a year or so. After renovations to the house ...
Pension for before retirement Hi all,I am in the NHS Pension which is linked to state pension age so will receive both at the same time if I retire at 68.
I would like to retire at 60 or go part time which is in 15 years. To be able to do this I need ...
I would like to retire at 60 or go part time which is in 15 years. To be able to do this I need ...
Financially comfortable, health improving, still working – am I solving the wrong problem? I would be interested in some independent views on my situation, particularly from those who have already retired or moved to part-time work in their late 50s.I am 56, married, and currently work full-time as a Senior Bid Manager. My wife is 53 and works part-time for the NHS. We ...
Marriage allowance, UFPLS and bank interest Hi, My wife has transferred some of her personal allowance to mine. My wife earns about £10,000 per year. I have a salary of £40,000 per year and am taking a further £13,333 year from my SIPP pension using UFPLS so 25% tax free and the remaining 75% or £10,000 ...
State Pension forecast only 33 full years retirement date 4 weeks off full year Hello ForumitesI've looked at past threads (and done google searches) but can't see anything that seems to apply to my situation and I see that there are some really knowledgeable Forumites who seem to know about this stuff so I'm posting in the hope that someone can help me unravel ...
Defend or Attack? we’re still working towards our number. Target retirement April 2029. It looks like we might hit the number needed in April 2027 next year but we still have to wait until 2029 so a ‘mini coast’ if you like. I want to consider my allocation. Logic suggests maintaining a growth ...
Pension pots for over 75 year olds I currently save into a workplace pension with Royal London. I will be 75 years old next year but am still in full time employment, I expect to continue in my job for a few more years yet. Royal London have my retirement age as 75 so I asked them ...
Topping up DC pension pot and carry forward question We're planning to top-up my wife's pension pot that hasn't had additional contributions for some time but she does contribute to a work pension (DC). The plan is to top-up to utilise her full allowance for this FY (salary well below the 60K allowance). I assume this figure would be ...
IFA for pension advice and fee - outcome Evening…We consulted three IFAs to help us sort out our pensions and prepare for retirement at 65 (I'm 60, he's 63). The first never came back to us, the second wanted to push high risk products, the third was nice and easy and we've had our second meeting with ...
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