My mother has £200,000 cash to invest for retirement, please help!

CompBunny

Thankyou Jem. I have forwarded the questions. She does already pay into her Aviva pension, I believe that her employers also contribute but will double check.

atush

If your Mum already pays into her employer's pension and pays enough to receive the full employer contribution, then I agree that as a basic rate taxpayer I wouldn't see the point of paying more.

I don't normally (and may not here) disagree with Jem. But there is tax relief to consider.

given any pension coinrtribs could possibly be immeridately vested. Ie 25% TFLS