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Finances / Pensions

I pay 7% of my earnings into a final salary pension scheme.  I am thinking about putting some more into AVCs.  The main attraction to me in this is that I will not pay tax on it.  Can any financial...

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Re: Finances / Pensions

Got to be exhaust pipe in the car. Nice and sleepy little baby.

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Re: Finances / Pensions

P.S its no surprise that Poley has lead us into a chat about the best methods for suicide. Satchell boy takes us to a new low.

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Monk: It's not a satchell. IT'S AN ARMY CANVAS KNAPSACK. ALRIGHT?

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Thanks to all for the sensible answers. Mardy: Yes, I do have kids. I also have a money grabbing ex-wife and thought that a couple of hundred quid buried under the heading pension would be a little...

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Re: Finances / Pensions

poley - the ex wife can't get her hands on shit if you have the right protection in place. And you're re married right? So the new one becomes entitled anyway. Fuck dat bitch.

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Re: Finances / Pensions

I take it all back This is quite fun - getting the same quality investment advice without having to sign all the bloody informed consent stuff and compliance shit. And it's free.

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Re: Finances / Pensions

And if the advice fucks your finances up, some quality methods of ending it all to boot. Who says the internet is dead ?

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Polecat - wasn't suggesting ISA's per se, just trying to illustate that generally a pension "dies" with you and your spouse, but other investments live on.

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the polecat wrote:Brig Gen: Sorry this is a dull subject. Hopefully this is a little more interesting... My mate has an acquaintance who calls himself a bouquet bookmaker and is always trying to...

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Re: Finances / Pensions

Big C: The money is not supposed to be for her, but for the kids and we use the CSA calculator to agree a fair amount. Mardy: I see what you are saying. *crosses fingers* But I am hoping to live until...

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Re: Finances / Pensions

Affordable art which burns well and keeps you warm in your 69th year, and investment wine to get absolutely fucked before topping yourself. I've got it all mapped out, with only a 25% loss in year one.

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Re: Finances / Pensions

TM7 - You can make a lot of money with investment wines, but you are not protected by the FSA if anything goes wrong.

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Re: Finances / Pensions

I suppose on the plus side investment wine as it closes in on maturing can always be drunk, assuming you've long since written off the initial investment. Lot better than hoping your 2001 Biotechs and...

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Biggest factor with paying AVC's (in my humble) is not which fund will provide the best/safest return on them while invested but what state will annuity rates be in at the time your fund is converted...

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Invest  in Fine Wine, if it all goes tits up you can at least drink yourself to death, can't think of any thing worse than being skint and not being able to drink myself into oblivion

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Re: Finances / Pensions

Smashdad is right....annuity rates are shite.rule of thumb (for those retiring at 65 or over) is 100k in your pot should equal about 6k pension per annum.  Retire at 55 and you'll be lucky to see 4.5k...

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smashy - you still at umbrella towers?

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Re: Finances / Pensions

Big C wrote:smashy - you still at umbrella towers? No mate - took the redundancy and ran five years or so ago.You?

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Re: Finances / Pensions

Bitcoins? Going through the roof all told. Interesting thing about Silk Road the other week in the media as well, some Canadian smack dealer did one with something like three million US dollars worth...

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Re: Finances / Pensions

smashdad wrote: Big C wrote: smashy - you still at umbrella towers?No mate - took the redundancy and ran five years or so ago.You?Yep still here, although in a different role. My time is split more or...

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