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Buy Additional Pension or Vanguard LS
berbatov10
Posts: 376 Forumite
Good afternoon. I am currently a Civil Servant earning £12,000/year. I 63 years old I am in the Alpha Scheme contributing £45/month since I started in the role 5 years ago. I am in the fortunate position of being able to put more of my salary into a pension so can 'buy' more Alpha pension or alternately pay the funds into Vanguard 60/40 LS or similar.
Your thoughts and inputs are welcomed
Your thoughts and inputs are welcomed
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Comments
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Which is more important to you: certainty (Alpha) or flexibility (Vanguard)?berbatov10 said:Good afternoon. I am currently a Civil Servant earning £12,000/year. I 63 years old I am in the Alpha Scheme contributing £45/month since I started in the role 5 years ago. I am in the fortunate position of being able to put more of my salary into a pension so can 'buy' more Alpha pension or alternately pay the funds into Vanguard 60/40 LS or similar.
Your thoughts and inputs are welcomedGoogling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!0 -
Great question Marcon. I have the 'certainty' with Alpha already, so I guess I could pay extra into that and set up a SIPP as well0
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That would certainly keep your options open!berbatov10 said:Great question Marcon. I have the 'certainty' with Alpha already, so I guess I could pay extra into that and set up a SIPP as wellGoogling on your question might have been both quicker and easier, if you're only after simple facts rather than opinions!0 -
But which best fits your objectives?berbatov10 said:Great question Marcon. I have the 'certainty' with Alpha already, so I guess I could pay extra into that and set up a SIPP as well
I am an Independent Financial Adviser (IFA). The comments I make are just my opinion and are for discussion purposes only. They are not financial advice and you should not treat them as such. If you feel an area discussed may be relevant to you, then please seek advice from an Independent Financial Adviser local to you.0
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