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Re: Drawdown period calculations
Remember, when you buy an annuity, you are effectively converting your pot into bonds, and giving up growth in exchange for certainty. At younger ages, you might prefer to keep some of the pot in equ…1 -
Re: The Cutting Down Alcohol challenge for November & 2025 :)
Thankyou Maman and cathybird. That means a lot. A very sensible approach there Maman. It was the almost daily/midweek habit that I wanted to knock on the head, and ive achieved that.....so far......l…5 -
Re: November 2025 Grocery Challenge
670 Thats 70 over but it will be last shop this month as I go from 23rd to 23rd. I blame the 41p eggs that aldi sold me earlier on in month. Have got all the xmas shopping though apart from Yorkshire…4 -
Re: Drawdown period calculations
I ran some simulations of a 6.2% withdrawal rate over 30 years. 20% of cases still ended up with more than 1/2 million. Another 20% survived, succeeded, didn't run out. 60% ran out of money, some qui…1 -
Re: November 2025 Grocery Challenge
Jings, I'm guessing that it might be the Gloucester Services? Tebay is on the M6, but the description for Gloucester says it is owned by the same group. Not been to either, but I have heard good thin…3 -
Re: Should Student Take Refund of Under 2 Years Pension Contributions or set up SIPP?
😊 A somewhat frustrating, very long FaceTime call with many screenshots but we got there eventually!1 -
Re: Drawdown period calculations
People will argue whether the number is 3% or 4%, but here goes: For a UK retiree, with 60% equities and 40% bonds, a 3.5% initial withdrawal rate, increasing every year by CPI inflation, would histo…1 -
Re: Drawdown period calculations
RPI is not a good measure of inflation. But I'd still allow for more than 2%. Calculators like this are fine as far as it goes but the answer depends hugely on the various assumptions, all of which y…2 -
Re: Excel Parking / DCB Legal - Witness Statement advice please!
Claim dismissed, AOBTD!!4 -
Re: From Frugal Foundations to Fortified Family Future
I personally prefer a nice Christmas sweatshirt. My maw and I got matching(!!) Christmas jumpers years ago in a m & s outlet which were fantastic quality & had wool in them. Originally priced…6
