The Retirement Thread
2 lurkers |
172 watchers
4 Jul
6:53pm, 4 Jul 2025
5,223 posts
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Curly45
Pensions aside we have no real investments to speak of, some small amounts in a low coupon gilt that will give good returns when it matures, it's in an ISA wrapper, although actually not required for low coupon as they are cgt exempt. I'm thinking about some more in higher coupon gilts in future that I may not hold to term. We're just changing provider because Jarvis closed, so once that is set up I'll look at gilt markets again. Rest is all a ladder of fixed terms savings and premium bonds (effectively our emergency fund). Because we have no other income at the moment we can get a decent amount of interest tax free (zero band +£5k starter rate +£1k). I'm amazed the government hasn't gone after that little Brucie bonus yet, especially as it rewards wealth rather than work, but if we have to pay tax on savings interest that is fine with me. Anyway it's a very safe way to cover the bridge prior to pensions, especially as we are beating inflation at the moment with all of them (just luck on timing to be fair). |
5 Jul
9:59am, 5 Jul 2025
7,657 posts
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bigleggy
@jabberknit , you just reminded me, I've got silver coins too  The price of which hasn't moved in years :-/
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5 Jul
10:59am, 5 Jul 2025
28,821 posts
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TROSaracen
My IFA has some of my funds in EIS’s. It’s spread across a number of companies, generally the highest risk investment of all, but very tax efficient. Most will struggle to pay back the investment, but if one or two go well and get into buyout etc territory then returns are huge! None have come in yet but a couple look promising. |
5 Jul
2:19pm, 5 Jul 2025
34,028 posts
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Johnny Blaze
The price of gold has gone galactic! Says the adverts on the radio all. the. time. So I went to Mrs B and asked if she had any gold jewellery around that she never wore. Well, yes, including a little bracelet her boss gave her when she was 21. Turns out it was 22 carat. We took a little pile of ancient and broken stuff and said bracelet to the jewellers in Stratford. They took out a thing like a speed gun and held it against the gold (some of it we weren't even sure *was* gold because not all gold is fully hallmarked). The speedgun thing is a handheld spectrometer and it gives instant readings of the elemental makeup of the object. 22 carat is 92% pure gold. 5 minutes later and we had 850 quid in the bank. Not a bad return for 5 minutes work! |
5 Jul
2:29pm, 5 Jul 2025
21,672 posts
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Mandymoo
Nice
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5 Jul
2:36pm, 5 Jul 2025
69,926 posts
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EvilPixie
Nice
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5 Jul
2:37pm, 5 Jul 2025
76,158 posts
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Velociraptor
Useful!
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5 Jul
2:43pm, 5 Jul 2025
34,029 posts
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Johnny Blaze
Mrs B got a new phone and a suitcase out of it. I got nothing, despite being the ideas guy. Disgraceful!
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5 Jul
2:49pm, 5 Jul 2025
28,538 posts
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Bazoaxe
It was her gold to be fair.
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5 Jul
2:50pm, 5 Jul 2025
28,539 posts
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Bazoaxe
And you can use the suitcase and contact your wife
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CumbriAndy Useful Links
FE accepts no responsibility for external links. Or anything, really.- Money Helper
- How Much is Enough to Retire On?
- Retirement Living Standards
- How much will you need to retire?
- Free Govt website for pension advice
- SIPP pensions
- ISAs
- Check your National Insurance contributions
- Check your state pension account
- Martin Lewis on pensions
- Support and advice for those widowed under the age of 50
- Power of Attorney information
- Making the most of your retirement
- 20 tips for a happy retirement
- Married Couple's Allowance
- Aviva guide to retirement planning
- U3A
- U3A Local Sites - map
- Make a Power of Attorney
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