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UK Lasting Power of Attorney Whilst Resident in Spain
We moved to Spain last year but retained our UK Santander Current Account for our pensions to be paid into. It is a joint account, but my husband is gradually going deaf and Santander have told me that I nor my daughter who lives here in Spain with us, will not be able to deal with his account in the event that he goes…
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No change to tax free cash on 26 November
https://www.telegraph.co.uk/money/pensions/news/treasury-rules-out-pensions-lump-sum-raid/?WT.mc_id=e_DM732843&WT.tsrc=email&etype=Edi_Mny_New&utmsource=email&utm_medium=Edi_Mny_New20251112&utm_campaign=DM732843
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Self Employment and NI/State Pensions
My wife and I have been in a business Partnership for many years but whilst for the last 5(plus many more) my NI contributions are showing as 'Full Year' my wifes are not.....I should mention that I started recieving my State Pension in July 2025 and my wife is due hers from May 2026..is ther any reason why there should be…
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Thoughts - Do I need 2nd Pension provider?
I have recently retired, and I want to transfer out from my Aegon employer pension which has about £101K in it (uncrystalized). This pension has 0.25% charges and also it will not let me use ETFs, and only a limited range of funds (although I do benefit from zero transaction charges). I already have an Interactive Investor…
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Taking small pension
I have a small pension roughly £22000 looking to take tax free sum next year leaving me roughly £16000 am I better doing a draw down say for the next 6 years or take the balance in one hit thanks
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Hoping to retire early !!! Only by 2 years .
Hi I have a pension which is the workplace one, I put money in and my work does. I currently earn 12,000 ish a year,and manage fine. I’m due to retire for state pension at 67. I’m currently 62, and have around 24,000 in my pot. Could I take my workplace pension at 65 and withdraw 12,000 the first year and then again the…
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37 years old - My current situation and savings/retirement plan
Hi, I wanted to make this post about the journey I've been on in the last 15 years and how throughout the journey there are many times where I've felt off-track and wondered when will be the day I can see that my saving/retirement planning is beginning to work for me. It is a long thread and is meant to help others who may…
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Die with Zero by Bill Perkins
Having read this book, I'm a big fan of this approach i.e. die with zero! Here is how we've implemented it. It's not for everyone and takes a leap of faith but can be done. Some of our friends think we are crazy. Time will tell. https://www.diewithzerobook.com/welcome This may have covered before but basically it's saying…
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SWR using Momentum investing
For those who are interested in SWR research, this article on Early Retirement now seems to be generating quite a bit of interest: https://earlyretirementnow.com/2025/11/12/momentum-trend-following-swr-series-part-63/ This guy has been posting updates to his SWR series for a few years, and this is the first time I've seen…
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Urgent Guidance Needed - State Pension, NICs & HMRC
I am 53 and have spent weeks shuttling between the Future Pension Centre, HMRC, CAB, etc. helplines trying to arrange a state pension. There have been multiple instances of incorrect and directly contradictory advice and information given within and between these departments. I registered before the DWP deadline in April…
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Tips on contacting MyCSP
So I sent a message to MyCSP through their website in December, and followed up again three or four weeks ago. I’ve not received a response so am planning on giving them a ring next week. I am thinking about moving into the partnership scheme and want a definite quote on my Alpha / Premium schemes. I was wondering what the…
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Divorce, Mortgage and Pension advice please
Hi, Im new here!!! I have just got divorced and couln't be happier! However, I have 2 really good pensions and Im hearing that my EX husband could still claim on my pension. Im 60 and disabled and am still working but due to serious health issues I feel I may need to retire earlier. I have cashed in one pension so I can…
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Rate my SIPP - ITV high conviction
EDITED 07/11/2025 : Please see page 25 for a SIPP holding update since the image below. :) A note about diversification: I know it’s important. I’ve done it all my life. Had plenty of bits and pieces of ETFs like VWRL. But sometimes you have to just go for it. That’s what high conviction means to me. “Diversification may…
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If RR is putting up income tax later this month, would it be wise to extract taxable pension?
If RR is putting up income tax this month and I rely on the 75% taxable part of the pension, having already extracted the 25% tax free lump sum...... Would it be a wise thing to extract a good few thousand from my pension at 20% tax rate and put it into some sort of savings(which I know the interest will be taxed), or just…
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Cash out? Enough is enough
Hi all , musing and would appreciate thoughts im 46 and have ‘enough’ saved in my dc pension ; as of today £1.02mil, I’ve saved well and growth has been excellent my partner 41 has 200k in her dc pension and she’s now got a few years local government pension and will likely stay in it additionally we have 80k between us in…
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NHS Partial retirement and Redundancy 13/11/2025
I am in this position. I took partial retirement in March 2025, to get my lump sum for home improvement's to enable my husband to come home from the hospice, he unfortunately didn't make it. This seems so unfair. I haven't had a break in service 35 yrs in total I reduced my hours by the required 10%. I worked 37.5 hrs one…
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Should Student Take Refund of Under 2 Years Pension Contributions or set up SIPP?
Son is 24 and currently a student again after approx 2 years in the workplace following graduation. It is a one year masters after which he would hope to be employed in a role with a civil service pension. He has two periods of employment and two small pension pots. The first is about 18 months, the second 6 months or so.…
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LGPS CPI PENSIONS UPLIFT
Hi, If i retire on 31 May 2026, how do i calculate the CPI Uplift for 26/27? Also, would my Pension increase in the 25/26 tax year? Thanks
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Pension Transfer Value query
Morning All My FA has advised that I transfer one pension pot to another to make it work as good as it can for me. I'm attempting to do this on my own - he wanted approx £500 and VAT, Hes said that if i fluff up then he can do it. Ive had the paperwork back and have a query. The current value of your Collective Retirement…
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Locking In Annuity Rates?
I have a friend who would be a perfect candidate for an
annuity. No dependents, very risk
averse, no existing DB pensions apart from the state pension. He’s reached the point where he almost certainly
has enough in his pension to fund his retirement, and now he’s looking to
downshift and just tick over until pension access…
Got questions about boosting your state pension by checking your record with the Future Pension Centre and making voluntary National Insurance contributions?
721 discussions
6.3K comments
Most recent: Guide discussion: Voluntary national insurance contributions by JimTheseus
14 November at 10:10AM
