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It's time to start digging up those Squirrelled Nuts!!!!
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Sounds like everyone here won't count then0
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Of course many DBs are ‘funded’, that is they are paid through investments from employer and employee contributions. Civil service, police, military (and MPs!) are ‘unfunded’, paid through taxation. Don’t have a political view on it but they ain’t the same.1
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Well, after all that build up... Nothing that impacts us directly or immediately.
However, it would mean an additional IHT bill of over £130k, if we both meet with the grim reaper after the pension rule changes!!! (we'd already have an IHT bill of £33k as it stands)
We won't be effected as potential beneficiaries though. As FiL has SP and an annuity, MiL has just SP (plus widow). My Mum just has SP and PC, and my Dad just has his CS pension. So non of that would count under the new rules, from what I can tell.
Obviously, we can still be effected by the wider implications of everything on the economy, inflation and interest rates...but that awaits to be seen.
Hard to plan when the goalposts keep moving!!
Until then...as you were.How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)7 -
Hard to plan when the goalposts keep moving!!Therein lies the problem (not confined the the current Government). When planning for retirement, short notice changes tend to disrupt plans more or less significantly.0
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LHW99 said:Hard to plan when the goalposts keep moving!!Therein lies the problem (not confined the the current Government). When planning for retirement, short notice changes tend to disrupt plans more or less significantly.0
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Thought...
Do these new IHT on pension rules now make it pointless (for us) to make the £2880 net annual pension contributions?
But, I suppose (for our beneficiaries) 60% of something is still better than 100% of nothing, right?
How's it going, AKA, Nutwatch? - 12 month spends to date = 2.60% of current retirement "pot" (as at end May 2025)0 -
Sea_Shell said:Do these new IHT on pension rules now make it pointless (for us) to make the £2880 net annual pension contributions?
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ColdIron said:Sea_Shell said:Do these new IHT on pension rules now make it pointless (for us) to make the £2880 net annual pension contributions?2
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ColdIron said:Sea_Shell said:Do these new IHT on pension rules now make it pointless (for us) to make the £2880 net annual pension contributions?I think....1
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Good timing on this subject, I was just sitting here working out the numbers. I have 4 opportunities to further contribute the £2,880 per tax year before reaching 75. Just wondering if it is worth now?0
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