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Am I making the best of this?

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  • jamesd
    jamesd Posts: 26,103 Forumite
    Part of the Furniture 10,000 Posts Name Dropper
    From the investing side the problem isn't today it's after you get the lump sum. You'll presumably need to invest that, so getting some experience with investing could be useful.

    AVCs that fund the pension lump sum and give you a higher work pension are probably a good idea. Beyond that it's just an investment decision and a plan that allows a good range of investments that you know how to use - if you do or can learn - might well be better.

    dd2 will probably benefit more from help with a property deposit than reducing loans because she'll have the income to pay the loan repayments but it'll take time to accumulate a property deposit.
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