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PCLS - Should you always take it?
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She has a deferred DB pension (from 25 years ago) and an active NHS pension. Her NHS job is part time and she doesn't pay tax.
The DB pension has a very attractive CETV value (according to WTW) which she wants to put in a SIPP when she is 55 next year, mainly so she can lay her hands on 25%. She will almost certainly inherit her 88yo father's property.
We can live on my primary pension and I also plan to put a secondary DB pension into a SIPP.
I reckon if I die she can manage on half my pension, SIPPs, state and NHS pension, plus she could downsize and release some equity.
Still a lot to consider in the next few months.Mr Straw described whiplash as "not so much an injury, more a profitable invention of the human imagination—undiagnosable except by third-rate doctors in the pay of the claims management companies or personal injury lawyers"0
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