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Pensions

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By *layfullsam OP   Man
over a year ago

Solihull

Are you meticulously planning your retirement and have been investing from a young age or are you going on a wing and a prayer so to speak.

Do you think you'll be financially ok or will it be a struggle bearing in mind none of us can predict the future holds for us

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By (user no longer on site)
over a year ago

I dont think i have one

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By *layfullsam OP   Man
over a year ago

Solihull


"I dont think i have one "

You'll have to sell your body

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By *inkyCouple1927Couple
over a year ago

Newcastle

In the age of the “Defined Contribution” pension, now that the “Defined Benefit” schemes are very rare; you’d be very daft not to show an interest in your pension.

Unfortunately there is little education on pensions for most employees, for fear of giving “advice”. In a lot of cases people think that if they put in the minimum amount early enough then they will be fine. Sadly that’s not the case

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By *estmidscoupleCouple
over a year ago

West Midlands

Lucky to have a work scheme and been in it for nearly 20 years. One of the main benefits of job actually

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By (user no longer on site)
over a year ago


"I dont think i have one

You'll have to sell your body "

What happens once ive spent the 50p

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By (user no longer on site)
over a year ago

I put 7% of my salary into my pension.

Think when i last checked there was around £55k in it.

We get a good deal with work though.

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By *layfullsam OP   Man
over a year ago

Solihull


"I dont think i have one

You'll have to sell your body

What happens once ive spent the 50p "

You're f..ked

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By (user no longer on site)
over a year ago


"I dont think i have one

You'll have to sell your body

What happens once ive spent the 50p

You're f..ked "

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By *eep.Man
over a year ago

Just a background character

I need to remortgage soon and am wondering about pensions vs mortgage interest... i.e. would be better to aim to pay the mortgage off sooner, or gor for the longest mortgage term and put any left over cash into addintional pensions/APECs or whatever they are nowadays. Considering how low the mortgage rate is I think the pension investment might be worth more in the long run.

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By *lla_maiWoman
over a year ago

staffordshire

I have one with work but only the small amount that im obliged to put in goes in at the minute. Im pretty unknowledgeable about them tbf, but i plan to start putting more money in them next year once ive paid debt off and can afford to.

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By *rimson_RoseWoman
over a year ago

Tamworth

I've always had a pension since starting work 15 years ago. They vary in their value and I really should do more to look at whether or not I'm getting the most out of the ones I'm no longer paying into.

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By (user no longer on site)
over a year ago

I pay 13.5% into mine and I think my employer contribution is 20% but even tho I signed a 30 year contract when I started I now have to work and extra 5 years, pay more into my pension to get less out at the other end. Such a swindle but the government changed the law to allow it. Bastards.

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By *inkyCouple1927Couple
over a year ago

Newcastle

People should look into how they are invested and whether the level of risk suits them. It’s usually possible to split your pot across multiple funds if you want to try and make a little more from it

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By *arrapsMan
over a year ago

port talbot

I'm caught up in the carillion scandal.... currently I receive a pension, BUT it looks like I'm going to lose at least 10% fucking robbing bastards.... senior management look after their own

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By (user no longer on site)
over a year ago

I keep a very careful watch on mine and have spread the risk widely . We can thank the present government for amending the rules and removing the necessity to purchase an annuity.

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By (user no longer on site)
over a year ago

My children and grandchildren will look after me.

Technically, I have a share of a property overseas, but I don't want anything to do with it.

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By (user no longer on site)
over a year ago


"I dont think i have one

You'll have to sell your body "

I'll be a granny escort

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By (user no longer on site)
over a year ago


"I dont think i have one

You'll have to sell your body

What happens once ive spent the 50p

You're f..ked "

Well obviously, that's how you get the 50p

I got it covered, can sell some houses if needed.

Amusingly auto carrot changed houses to housewife...

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By *ire_bladeMan
over a year ago

Manchester

No really much of a pension now but I have 1 frozen from when my company used to have a final salary 1 but since that stopped I invested in property and that's now my pension.

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By *wisted999Man
over a year ago

North Bucks

Been paying into a pension scheme since I was 19.

My work pension contributions are just over 14%.

I also have some money in property.

I plan to retire early god willing.

My Grandad lived a very comfortable lifestyle and instilled the importance of planning ahead in me.

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By *erge3Man
over a year ago

Aspatria

Autumn 76 I ill give you one

lol

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By *mmabluTV/TS
over a year ago

upton wirral

Equity release for me plus some isa unit trusts but no actual pension pot as not worth it unless you can put a lot away.

Stock exchange is best

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By (user no longer on site)
over a year ago

I'll live off the government pension.

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By (user no longer on site)
over a year ago

I have several small ones plus a decent work one

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By (user no longer on site)
over a year ago

I have quite a good pension, assuming it doesn't change again I should have an above average pension, based on my current wage the forecast is already above today's average wage, but I'm hoping for a few pay rises over the next 33 years.

Otherwise I plan to have my mortgage paid off in 15 years and then use the following 10-15 yrs to invest what would have been my mortgage payments.

Ginger

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By *icketysplitsWoman
over a year ago

Way over Yonder, that's where I'm bound

I've been paying into a private pension for 30 years this year. It's still worth not a lot as a pension. It's worth a lot to my heirs if I die.

All the little ones that I have accumulated will be cashed in when I turn 55 in two years. I'll take the hit on tax and have a good holiday and/or fix my home.

My plan is to die at 60 and not have to deal with living off my pension.

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By (user no longer on site)
over a year ago

Honestly? I've never given it a second thought.

I don't think I'll live til then. If I do, I'll be living in Turkey still and have earned and stashed enough away to take care of my financial needs.

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By *amissCouple
over a year ago

chelmsford


"Are you meticulously planning your retirement and have been investing from a young age or are you going on a wing and a prayer so to speak.

Do you think you'll be financially ok or will it be a struggle bearing in mind none of us can predict the future holds for us

"

Invested wisely through works pension, retired at fifty

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By (user no longer on site)
over a year ago

Already drawing one, working on a second, and maybe HMG might chuck something my way too in 10 years or so...

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