The Retirement Thread

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EvilPixie
EvilPixie
Nov 2020
12:55pm, 23 Nov 2020
20,490 posts
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EvilPixie
Good news vrap
Velociraptor
Velociraptor
Nov 2020
1:01pm, 23 Nov 2020
49,976 posts
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Velociraptor
Overall, yes, good news. If my job does become unpalatable, I'll take the two good years I've had doing it as a bonus and scarper. (I suspect I'm essential enough at the present time to have some leverage if I want to continue on a much reduced commitment, but I'm not counting on it.)
Ultracat
Ultracat
Nov 2020
1:11pm, 23 Nov 2020
13,250 posts
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Ultracat
My OH receives two modest work pensions which are enough to live on if we forgo expensive holidays etc. I am 6 months away from getting state pension which I will apply for early next year. OH hints at retiring but enjoys his work too much, hopefully he will go part time next year. OH will also get state pension next year. I don’t know how folks survive on state pension alone.
Shades
Shades
Nov 2020
1:22pm, 23 Nov 2020
362 posts
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Shades
EP - I'm guessing that Covid will have decimated some pension funds investments especially where high street commercial property is involved. So right now probably not a good time to think about consolidation of pension plans. But there's plenty of advice from various sources before thinking about using an IFA.

Vrap - sorry to hear they're messing with your job but at least you have a plan. They might be doing you a favour by making you 'jump'. 😁

UC - if I had to I could live on state pension alone, it would certainly cover all my living costs.
Bazoaxe
Bazoaxe
Nov 2020
1:23pm, 23 Nov 2020
18,216 posts
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Bazoaxe
My DC pension has now recovered all of the losses it sustained back in March. It will depend on investment mix but hopefully similar for others
Lip Gloss
Lip Gloss
Nov 2020
1:25pm, 23 Nov 2020
46,198 posts
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Lip Gloss
My meeting today with my FA has had to be cancelled so see when next it's convenient for us both
Hills of Death (HOD)
Hills of Death (HOD)
Nov 2020
1:26pm, 23 Nov 2020
35,218 posts
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Hills of Death (HOD)
Shades what pension funds would you expect to be affected.
EvilPixie
EvilPixie
Nov 2020
1:33pm, 23 Nov 2020
20,492 posts
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EvilPixie
good point shades

so if you were sensible and saved now where would you put it? interest rates are such that we are almost paying the banks to keep our money!
EvilPixie
EvilPixie
Nov 2020
1:35pm, 23 Nov 2020
20,494 posts
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EvilPixie
I think my problem is that I am now doing a job I don't have to think about which may be less stressful but bores me as no challenge and now I am WFH it's even more dull

husband would leave tomorrow if he could hates working, always has really, and would be very happy sat at home watching sport
SteveCRunner
SteveCRunner
Nov 2020
1:36pm, 23 Nov 2020
195 posts
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SteveCRunner
In the absence of special incentives or tax breaks I would look at passive tracker funds first.

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