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Fund Platform Charges and Choices
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I also have an NHS pension (2015) scheme which is precisely why I DO have a LISA. The penalties for taking the pension early are terrible but there's no way I'm working full time until I'm 70! So I figured I need something else up my sleeve. Even if I wanted to work until 70 there is no significant lump sum with the 2015 scheme so the LISA money will still be useful.
Are you with the 2015 scheme? It is a good pension...except for those penalties if you take it early.
Regarding your question about the split of funds I can't tell you whats best as i'm a novice but for UK exposure I did exactly what you have suggested with the iShares fund. Only difference is I used the L&G version. The two funds then both have very low charges so it works out cheaper than an international fund that includes UK as far as I could see. You just have to decide how much of each you want. I have 80% International to 20% UK.0
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