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Re: When did you feel financially secure?
I annuitised the remainder of my pot in June due to inheritance tax implications. I got an RPI linked annuity with a 20 year guarantee at age 61 at a rate of 5.2% just before that provider reduced it…3 -
Re: SW charges and discounts - is this good value?
There will always be years with 'things going on', and dramatic headlines about crashing markets etc. That is the way these markets work and it will never change. Investing is a long term game.1 -
Re: House Insurance
Greater than 60 days unoccupied? Wouldnt work as you'll still have been out the home for more than 60 days even if you break it over two policies. There are some providers that provide 90 days as st…1 -
Re: Help with completing defence statement
Thanks all, for ease I have shared my full submission below, paragraphs 1-10 (as I removed paragraph 10 from the original template): 1. The Claimant’s sparse case lacks specificity and does not compl…1 -
Re: The Top Regular Savers Discussion Thread
Hopefully, I'll know tomorrow. I've been refused both times I've tried it prior to this attempt but this time there was no email to them triggered, no email from them saying no and I received an aff…1 -
Re: USS - General discussion
This was the conclusion I came to as well, having been looking at similar options. The 6.67 x annuity TFLS option is a useful perk and you only get one go at it (unless you retire flexibly!)1 -
Re: USS - General discussion
By my maths it must be £99,000 in the DC. Max TFLS is £179,000 (nothing left in DC) and 3 x AP is £80,000. 179,000 - 80,000 = 99,000. That’s my reading of the numbers.1 -
Re: USS - General discussion
Something looks wrong here... "max TFLS" looks like "standard" plus 33k of free money... how much is in the DC currently ? Anyway, one point is, when you trigger an AP, the rules…1 -
Re: Which Index funds to invest in?
Why is it "what it should be"? Surely "what it should be" is what best meet your objectives. If your objectives include avoiding overwhelming dependence on a single factor then k…4 -
Re: Joint ownership - how to apportion
Thank you all for taking the time to comment (and do the maths for me!) It's very much appreciated.1
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