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<url><loc>https://forums.moneysavingexpert.com/discussion/5987469/combination-of-person-company-contributions</loc><lastmod>2019-04-07T21:58:33+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5984028/waspi-ladies</loc><lastmod>2019-03-30T06:29:45+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5984007/legal-general-transferring-personal-pension-plan-to-reassure-limited</loc><lastmod>2019-03-29T22:42:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5983605/pensioner-income-series-2017-18-findings</loc><lastmod>2019-03-29T21:26:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5962226/alpha-or-partnership</loc><lastmod>2019-03-29T19:00:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982560/alpha-pension-valuation</loc><lastmod>2019-03-29T18:57:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5983854/lifetime-allowance-25-tax-free</loc><lastmod>2019-03-29T18:55:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5983238/ni-contributions</loc><lastmod>2019-03-29T16:52:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951963/state-pension-forecast-query</loc><lastmod>2019-03-29T16:48:39+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5978298/final-salary-to-defined-benefit</loc><lastmod>2019-03-29T13:28:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5983662/need-for-a-marriage-certificate</loc><lastmod>2019-03-29T12:58:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982911/claiming-state-pension-online</loc><lastmod>2019-03-29T11:51:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5983204/reduce-tax-for-pensioner</loc><lastmod>2019-03-29T09:57:34+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5983599/2015-nhs-pension-sipp</loc><lastmod>2019-03-29T03:22:45+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5983246/sipp-limit-starting-from-scratch</loc><lastmod>2019-03-28T17:09:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5983191/vls-100-sipp-uk-weighting-question</loc><lastmod>2019-03-28T17:07:33+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5983251/officially-opened-a-sipp</loc><lastmod>2019-03-28T13:52:18+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5983220/tax-relief-on-contribution-to-personal-pension</loc><lastmod>2019-03-28T13:06:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982411/ifa-ongoing-charges</loc><lastmod>2019-03-28T13:00:14+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5980754/using-pension-to-pay-off-mortgage-or-buy-physical-gold</loc><lastmod>2019-03-27T00:28:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982784/new-to-pensions-higher-tax-earner</loc><lastmod>2019-03-26T22:25:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5980521/fee-to-transfer-db-pension-to-sipp</loc><lastmod>2019-03-26T21:39:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982228/db-pension-cash-in-sense-check-please</loc><lastmod>2019-03-26T20:52:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5981257/lost-pension</loc><lastmod>2019-03-26T17:43:28+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5982588/early-retirment</loc><lastmod>2019-03-26T14:51:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982477/annuity-with-sunlife-of-canada</loc><lastmod>2019-03-26T14:48:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982592/pension-continue-to-work</loc><lastmod>2019-03-26T14:25:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982178/shoul-my-mum-separate-her-cash-from-her-alzhiemers-husband</loc><lastmod>2019-03-26T13:57:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982037/partial-transfer-out-of-scheme-while-still-contributing</loc><lastmod>2019-03-26T12:17:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982474/annunity-with-sunlife-of-canada</loc><lastmod>2019-03-26T10:20:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982457/using-my-unused-pension-allowance</loc><lastmod>2019-03-26T09:34:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5980758/fire-how-did-your-boss-colleagues-take-the-news</loc><lastmod>2019-03-26T08:42:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973440/question-re-pension-contributions-carry-forward</loc><lastmod>2019-03-25T20:54:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982046/scottish-widows-workplace-pension</loc><lastmod>2019-03-25T20:24:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982108/transfer-dc-legacy-pension-problems-need-an-online-sipp</loc><lastmod>2019-03-25T16:58:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982089/stupid-question</loc><lastmod>2019-03-25T16:00:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5982091/taking-my-old-lgps-pension-at-55</loc><lastmod>2019-03-25T15:55:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5981959/59-and-need-to-think-about-pension</loc><lastmod>2019-03-25T12:00:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5981746/moving-workplace-pension-and-starting-private-pension</loc><lastmod>2019-03-25T10:16:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5981666/nhs-pension-employer-contributions-what-is-the-point</loc><lastmod>2019-03-25T08:01:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5981622/most-mysterious-ns-and-i</loc><lastmod>2019-03-24T12:18:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5981405/50k</loc><lastmod>2019-03-23T22:56:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5977881/is-it-really-worth-it</loc><lastmod>2019-03-23T20:08:06+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5981252/transferring-nhs-pension-to-a-personal-pension</loc><lastmod>2019-03-23T17:56:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5981152/is-it-possible-to-move-my-private-pensions-into-my-isa-without-paying-tax-on-75</loc><lastmod>2019-03-23T14:11:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5945953/transfering-out-of-nhs-pension</loc><lastmod>2019-03-23T13:32:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978306/25-tax-free</loc><lastmod>2019-03-23T13:07:00+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5980998/pension-that-makes-mum-worse-off</loc><lastmod>2019-03-23T07:52:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5980730/kids-pension-provider-suggestions</loc><lastmod>2019-03-22T21:11:46+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5980498/deferring-state-pension</loc><lastmod>2019-03-22T13:40:10+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5979876/lgps-death-grant-for-deferred-members</loc><lastmod>2019-03-21T22:41:16+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5739140/ill-health-retirement-disability-and-a-good-few-years-from-retirement</loc><lastmod>2019-03-20T08:37:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979579/drawdown-and-income-tax</loc><lastmod>2019-03-20T05:13:52+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5979519/implications-of-restarting-pension-contributions</loc><lastmod>2019-03-19T22:51:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979347/reducing-pension-taper-reduction</loc><lastmod>2019-03-19T13:14:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979412/pensions-and-high-income-benefit-charge</loc><lastmod>2019-03-19T10:59:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979388/unused-pension-allowance-carry-forward-possible</loc><lastmod>2019-03-19T09:33:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979423/the-isa-uioli-impetus</loc><lastmod>2019-03-19T09:33:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978957/tfls-mpaa-intrerest</loc><lastmod>2019-03-19T09:13:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979441/pension-recycling-query</loc><lastmod>2019-03-19T08:38:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978627/teachers-pensions-judges-and-firefighters-implications</loc><lastmod>2019-03-18T23:56:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979216/sipp-payments</loc><lastmod>2019-03-18T22:11:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979228/avc-help-please</loc><lastmod>2019-03-18T21:55:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979209/sipp-vs-drawdown-vs-tax</loc><lastmod>2019-03-18T19:27:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5979191/2-funds-i-do-not-understand</loc><lastmod>2019-03-18T18:57:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978055/the-hard-life-of-the-defined-benefit-scheme-member</loc><lastmod>2019-03-18T16:18:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978468/dc-pension-30-yrs-to-retirement-what-should-i-do</loc><lastmod>2019-03-18T15:57:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978749/should-i-defer-my-final-salary-pension</loc><lastmod>2019-03-18T13:11:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978564/swerve-ball-just-need-to-check-our-exit-plan</loc><lastmod>2019-03-18T13:08:27+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5978757/pension-once-left-the-uk</loc><lastmod>2019-03-17T23:07:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5907534/a-quarter-of-a-million-staff-opt-out-of-nhs-pension</loc><lastmod>2019-03-17T20:15:49+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5978794/2019-pension-contributions</loc><lastmod>2019-03-17T18:05:46+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5978770/crystalisation-benefits</loc><lastmod>2019-03-17T16:09:27+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5978671/ni-payments-for-the-partly-retired</loc><lastmod>2019-03-17T14:05:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978726/sipp-and-cgt</loc><lastmod>2019-03-17T13:53:29+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5978385/clueless-nhs-worker</loc><lastmod>2019-03-17T06:20:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978150/help-please</loc><lastmod>2019-03-16T22:55:21+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5978465/anyone-else-had-a-letter-from-tps-for-faster-accrual</loc><lastmod>2019-03-16T21:22:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978261/pension-charges-excessive</loc><lastmod>2019-03-16T17:38:21+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5964324/salary-sacrifice-calculation-help-please</loc><lastmod>2019-03-16T15:04:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952040/prudential-avc-final-bonus-calculation</loc><lastmod>2019-03-16T13:39:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5977912/pension-under-recovery-of-tax</loc><lastmod>2019-03-16T09:28:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5978086/best-private-pension-for-going-self-employed</loc><lastmod>2019-03-16T01:09:36+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5977867/what-if-they-changed-the-rules-on-age</loc><lastmod>2019-03-15T14:32:23+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5977619/employer-pension-contributions-into-a-sipp</loc><lastmod>2019-03-15T12:39:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5977557/getting-started-with-a-sipp</loc><lastmod>2019-03-15T10:06:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5977630/teachers-pension-scheme-withdrawal-confusion</loc><lastmod>2019-03-14T20:29:28+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5977053/taking-less-than-25-tax-free-how-does-this-work</loc><lastmod>2019-03-14T14:15:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5977369/transfer-from-lgps-to-nhs-the-figures</loc><lastmod>2019-03-14T12:51:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5977165/inheritance</loc><lastmod>2019-03-14T12:50:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974848/help-paying-voluntary-contributions-for-state-pension</loc><lastmod>2019-03-14T11:56:02+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5975950/voluntary-ni-contribs-to-state-pension</loc><lastmod>2019-03-14T10:10:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976724/flexible-drawdown</loc><lastmod>2019-03-13T22:31:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958946/deferred-pension-lump-sum-tax</loc><lastmod>2019-03-13T19:57:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5977062/personal-pension-fund-investment-choices-re-brexit</loc><lastmod>2019-03-13T19:38:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976447/scottish-widows-or-sipp</loc><lastmod>2019-03-13T19:18:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976974/annuity-or-drawdown</loc><lastmod>2019-03-13T17:49:36+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5976845/2nd-cetv-advice-please</loc><lastmod>2019-03-13T13:20:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976818/max-pension-contribution-db-pension-concern</loc><lastmod>2019-03-13T12:30:09+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976282/db-pension-transfer-success</loc><lastmod>2019-03-13T11:29:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976819/income-below-tax-allowance</loc><lastmod>2019-03-13T11:17:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976537/non-working-pension-small-pot</loc><lastmod>2019-03-13T09:41:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976210/best-pension</loc><lastmod>2019-03-12T23:53:45+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5975384/serps</loc><lastmod>2019-03-12T11:33:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976178/pension-conribution-and-redundancy</loc><lastmod>2019-03-12T11:27:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5976241/prudential-pension</loc><lastmod>2019-03-12T09:44:24+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5975917/when-is-the-pension-forecast-website-updated-for-18-19-tax-year</loc><lastmod>2019-03-12T08:08:09+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5975740/calculating-db-sipp-contributions-to-avoid-contributing-more-than-earned</loc><lastmod>2019-03-10T18:52:49+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5892278/class-2-ni-not-being-axed-at-april-2019</loc><lastmod>2019-03-09T20:34:40+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5973867/carry-forward-and-salary-cap</loc><lastmod>2019-03-08T08:58:29+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974477/voluntary-ni-conts-before-state-pension-age</loc><lastmod>2019-03-08T08:47:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974499/sipp-investment-query</loc><lastmod>2019-03-08T08:45:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5971589/lump-sum-into-sipp-to-reduce-marginal-tax</loc><lastmod>2019-03-08T02:24:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974460/annual-pension-allowance-and-carry-forward-question</loc><lastmod>2019-03-08T12:19:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974581/collective-retirement-account</loc><lastmod>2019-03-07T22:13:38+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5973423/helping-31-year-old-to-be-financially-independent-at-55</loc><lastmod>2019-03-13T09:04:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974091/pay-back-cba-or-take-the-pension-lta-hit</loc><lastmod>2019-03-07T20:49:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5970310/state-pension-missing-years</loc><lastmod>2019-03-07T20:36:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973789/pension-and-tax-allowance</loc><lastmod>2019-03-07T19:50:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974434/timed-annuity</loc><lastmod>2019-03-07T19:29:51+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5974322/brexit-defined-benefit-pension-scheme</loc><lastmod>2019-03-07T17:54:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974338/rmsps-cetv-query</loc><lastmod>2019-03-07T17:26:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974113/opinions-please-re-ifa</loc><lastmod>2019-03-07T17:06:55+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5973961/what-to-do-about-6-small-pension-pots</loc><lastmod>2019-03-07T14:53:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973003/question-about-pension-calculators-and-retirement-income</loc><lastmod>2019-03-07T13:39:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974258/state-pension</loc><lastmod>2019-03-07T13:34:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973518/cetv</loc><lastmod>2019-03-07T13:30:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5971731/how-easy-is-it-to-decide-to-stop</loc><lastmod>2019-03-07T13:10:12+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973797/ifa-value</loc><lastmod>2019-03-07T12:47:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5974257/move-pension-into-sipp</loc><lastmod>2019-03-07T12:43:43+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5973357/small-pension-pot-with-pru-advice</loc><lastmod>2019-03-07T11:48:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5971278/private-pensions-at-age-55-to-remain-or-to-leave</loc><lastmod>2019-03-07T10:19:30+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5965427/deferred-civil-service-pension-lump-sum</loc><lastmod>2019-03-07T10:16:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973456/claiming-ni-credits-for-looking-after-grandchildren</loc><lastmod>2019-03-06T23:29:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973692/sipp-that-allows-us-equities-investments</loc><lastmod>2019-03-06T20:27:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973855/advice-re-sipp-tax-free-lump-sum</loc><lastmod>2019-03-06T20:02:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973851/aegon-pension-charges-brought-me-here</loc><lastmod>2019-03-06T18:40:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5972526/help-understanding-state-pension-forecast</loc><lastmod>2019-03-06T17:46:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973442/how-much-pension-can-i-top-up-this-tax-year</loc><lastmod>2019-03-06T17:38:36+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973950/lta-fixed-protection-cessation-event</loc><lastmod>2019-03-06T16:34:26+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5973546/company-pension-payments-still-being-made</loc><lastmod>2019-03-06T16:07:39+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5958704/pension</loc><lastmod>2019-02-02T08:47:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5922542/nhs-pension-early-but-working</loc><lastmod>2019-02-02T08:04:35+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5959049/transfer-to-a-sipp-after-ufpls-payment</loc><lastmod>2019-02-01T23:04:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958998/lgps-basic-q-about-leaving-work-before-spa</loc><lastmod>2019-02-01T19:42:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958962/pensions-ethical-and-flexible</loc><lastmod>2019-02-01T17:04:36+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5958667/costs-and-drawdown-what-to-do</loc><lastmod>2019-02-01T13:56:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958621/defined-benefit-transfer-trap</loc><lastmod>2019-02-01T13:53:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958670/ad-hoc-draw-down-from-sipp</loc><lastmod>2019-02-01T13:06:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958697/starting-new-pl-help</loc><lastmod>2019-02-01T12:49:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958419/moving-deferred-pensions-to-civil-service-pension</loc><lastmod>2019-02-01T12:34:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958612/annual-pension-costs</loc><lastmod>2019-02-01T12:09:07+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955624/pension-for-unemployed-partner</loc><lastmod>2019-02-01T12:07:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958495/pension-contribution-question-from-new-sole-trader</loc><lastmod>2019-02-01T11:56:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958072/10-year-fixed-term-annuity</loc><lastmod>2019-01-31T22:50:33+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956534/nhs-pension-estimate</loc><lastmod>2019-01-31T22:14:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958573/paying-lump-sum-into-pension</loc><lastmod>2019-01-31T22:00:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958401/ifa-turned-down-db-transfer-enquiry</loc><lastmod>2019-01-31T19:34:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957750/hl-sipp-keeps-cash-as-cash-or-put-in-cash-fund</loc><lastmod>2019-01-31T18:30:35+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5625667/teachers-pension-and-early-retirement</loc><lastmod>2019-01-31T17:51:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958318/another-lta-question</loc><lastmod>2019-01-31T16:11:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958433/fca-list-of-approved-ifas-for-db-transfers</loc><lastmod>2019-01-31T15:58:57+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958327/leaving-the-nhs-for-the-private-sector-what-should-i-do-with-pension</loc><lastmod>2019-01-31T15:06:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958393/benefits-calculator</loc><lastmod>2019-01-31T14:26:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957433/combining-pensions</loc><lastmod>2019-01-31T12:14:36+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5904455/checking-company-pension</loc><lastmod>2019-01-31T11:35:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957957/contribute-or-not</loc><lastmod>2019-01-31T11:30:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958302/lgps-buying-lost-pension</loc><lastmod>2019-01-31T10:47:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957446/gmp-cope-query</loc><lastmod>2019-01-31T10:20:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5958101/canadian-pension</loc><lastmod>2019-01-31T00:42:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957215/using-personal-loan-to-top-up-pension</loc><lastmod>2019-01-30T18:39:23+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957321/where-to-start</loc><lastmod>2019-01-30T13:04:05+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956353/im-an-idiot</loc><lastmod>2019-01-30T13:03:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957783/final-salary-pension-closing</loc><lastmod>2019-01-30T12:39:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956810/income-questions</loc><lastmod>2019-01-30T12:17:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957499/irish-company-work-in-the-uk-no-pension-offered</loc><lastmod>2019-01-30T11:56:18+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957508/trying-to-figure-out-if-retirement-at-60-is-possible</loc><lastmod>2019-01-30T08:45:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956672/pension-dilemma</loc><lastmod>2019-01-30T00:39:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957556/lowest-cost-ifa-for-a-pension-pot-transfer-from-db-scheme</loc><lastmod>2019-01-29T22:39:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956983/how-are-you-funding-gap-from-retirement-to-state-pension</loc><lastmod>2019-01-29T21:51:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957438/advice-on-what-to-do-with-a-barclays-pension-pot</loc><lastmod>2019-01-29T18:56:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957484/new-rules-to-give-more-pension-freedom-protection-mse-news</loc><lastmod>2019-01-29T18:39:15+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957273/nhs-pension-ill-health-retirement-help</loc><lastmod>2019-01-29T14:23:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5957248/pensions-and-divorce</loc><lastmod>2019-01-29T13:57:07+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5957080/getting-class-3-pension-contributions-reclassified-as-class-2</loc><lastmod>2019-01-29T08:39:16+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956146/take-pension-and-carry-on-working-income-tax-query</loc><lastmod>2019-01-28T21:30:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955486/pensions-miss-selling-cases</loc><lastmod>2019-01-28T19:04:17+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5954518/group-addtl-voluntary-contribution-plan</loc><lastmod>2019-01-28T16:07:03+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956538/sipp-contributions</loc><lastmod>2019-01-28T15:00:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956216/nhs-1995-scheme-dilemma</loc><lastmod>2019-01-28T13:41:24+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5956574/buying-foreign-shares</loc><lastmod>2019-01-28T09:02:43+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956560/mod-army-pension</loc><lastmod>2019-01-28T02:31:55+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956597/pension-sipp-which-provider</loc><lastmod>2019-01-27T22:33:45+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955198/sipp-which-fund-to-sell-to-replenish-cash</loc><lastmod>2019-01-27T22:23:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952470/interview-with-dwp-compliance-officer</loc><lastmod>2019-01-27T21:23:48+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956549/sipp-portfolio-critique-and-feedback-please</loc><lastmod>2019-01-27T19:31:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956369/sorry-another-combine-pension-thread</loc><lastmod>2019-01-27T14:47:38+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956387/should-i-take-my-pension-before-brexit</loc><lastmod>2019-01-27T14:28:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956347/is-this-a-crazy-idea</loc><lastmod>2019-01-27T13:24:35+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5955705/drawing-dowm-a-hl-drawdown-and-tax</loc><lastmod>2019-01-27T11:44:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956377/how-many-years-for-full-sp</loc><lastmod>2019-01-27T11:11:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954080/cost-to-switch-money-purchase-pension-with-underpin</loc><lastmod>2019-01-27T10:02:28+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956107/when-to-diversify-from-a-single-multi-asset-fund</loc><lastmod>2019-01-26T22:03:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956012/company-scheme-transfer-or-not</loc><lastmod>2019-01-26T19:02:24+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956063/can-someone-explain-this-part-of-teachers-pension-for-me-please</loc><lastmod>2019-01-26T18:40:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956120/minuscule-pension-pot-after-student-jobs</loc><lastmod>2019-01-26T17:30:04+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5956054/money-purchase-annual-allowance</loc><lastmod>2019-01-26T16:22:47+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955644/salary-sacrifice-to-below-minimum-wage-by-employer</loc><lastmod>2019-01-26T16:10:31+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950133/pension-self-assessment-issues</loc><lastmod>2019-01-26T11:32:10+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955785/quick-query</loc><lastmod>2019-01-26T11:07:00+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955499/alpha-retirement-modeller</loc><lastmod>2019-01-26T08:16:13+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951068/pension-contribution-for-2018</loc><lastmod>2019-01-26T06:18:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955247/pension-sharing-order</loc><lastmod>2019-01-25T23:53:14+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953830/life-lessons</loc><lastmod>2019-01-25T20:01:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5949998/nhs-additional-pension-to-offset-early-retirement-actuarial-reduction</loc><lastmod>2019-01-25T19:03:46+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955572/confused-about-state-pension-entitlements</loc><lastmod>2019-01-25T18:54:49+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955121/ifas</loc><lastmod>2019-01-25T18:47:50+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955696/sipp</loc><lastmod>2019-01-25T18:41:58+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955663/25-tax-free</loc><lastmod>2019-01-25T18:38:17+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954975/advice-on-teacher-getting-early-retirement-through-ill-health</loc><lastmod>2019-01-25T18:38:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955026/consolidate-pension-pots-in-sipp</loc><lastmod>2019-01-25T14:25:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955542/setting-up-a-sipp</loc><lastmod>2019-01-25T15:34:20+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955409/small-sum-pension-pot-question</loc><lastmod>2019-01-25T09:09:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954696/pension-whilst-on-benefits</loc><lastmod>2019-01-25T00:49:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5955033/ability-of-a-pension-trustee-to-reclaim-past-payments-that-they-have-overpaid</loc><lastmod>2019-01-24T20:12:22+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954833/state-pension-or-pension-credit</loc><lastmod>2019-01-24T09:47:44+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954541/sipp</loc><lastmod>2019-01-24T09:17:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954673/pension-advice-please</loc><lastmod>2019-01-23T23:15:29+00:00</lastmod></url>
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<url><loc>https://forums.moneysavingexpert.com/discussion/5954003/state-pension-lump-sum-or-not</loc><lastmod>2019-01-23T21:26:37+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952890/state-pension-forecast</loc><lastmod>2019-01-23T19:37:54+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954654/sharia-pension-schemes</loc><lastmod>2019-01-23T19:25:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953451/transfer-euro-pension-to-uk</loc><lastmod>2019-01-23T17:48:08+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954126/no-pensions-self-employed</loc><lastmod>2019-01-23T17:30:34+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954069/reduce-pension-contribution-to-overpay-mortgage-save</loc><lastmod>2019-01-23T16:14:51+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954005/cash-buffer-after-markets-downturn</loc><lastmod>2019-01-23T15:49:27+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952314/sipp-account-ajbell-or-fidelity</loc><lastmod>2019-01-23T15:39:21+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953863/rules-on-valuing-commuted-pension-for-lta-purposes</loc><lastmod>2019-01-23T14:42:02+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954506/pension-sipp-for-the-wife</loc><lastmod>2019-01-23T11:36:56+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954095/pension-plan</loc><lastmod>2019-01-23T11:16:11+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5951059/pensioners-with-younger-partners-wont-be-able-to-claim-pension-credit-under-new-rules-mse-news</loc><lastmod>2019-01-23T10:46:19+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954461/pension-contribs-for-non-earning-students</loc><lastmod>2019-01-23T10:16:52+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5780483/have-88k-in-zurich-pension-fund-need-to-move-it</loc><lastmod>2019-01-23T10:00:42+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5950567/advice-death-3-months-after-retiring-but-no-payout</loc><lastmod>2019-01-23T09:28:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954458/sipp-help-advice</loc><lastmod>2019-01-23T09:27:39+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954112/pension-plan-change-of-funds</loc><lastmod>2019-01-22T22:29:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953670/lifestyling</loc><lastmod>2019-01-22T22:27:01+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954183/2-880-into-sipp-just-for-the-tax-relief</loc><lastmod>2019-01-22T19:13:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5953136/several-small-pensions</loc><lastmod>2019-01-22T17:06:41+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5952340/pension-on-secondary-employment</loc><lastmod>2019-01-22T16:16:40+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5954117/nhs-pension-ill-health-retirement</loc><lastmod>2019-01-22T15:57:59+00:00</lastmod></url>
<url><loc>https://forums.moneysavingexpert.com/discussion/5948700/any-point-in-a-cash-buffer-in-pension-drawdown-account</loc><lastmod>2019-01-22T13:16:15+00:00</lastmod></url>
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