To Fill NI Gaps or Not....

jamesd

Molerat covered it well.

In purely financial terms with current rules the best years to buy are the seven years up to and including 2031-32. That's because which years from 2016 on you have makes no difference and by then he'll have a better idea of whether he might die young.

But availability of money to do the buying matters and that might be easier now than later.

There's a chance that the number of years needed to get maximum benefits might be increased to pay higher benefits, like the increase from 30 to 35 years. So good to have say five years of safety margin in case of this and start five years earlier than the latest possible. Which comes to about now.

There's also been some discussion about the price of buying being too low and that it should increase. Very early days and it might not happen.

So I agree with molerat.

Soworried

Thank you

We have a meeting with an adviser in June and we'll start the DD. Seems like the best option.