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The Retirement Thread

172 watchers
GregP
GregP
Apr 2023
2:10pm, 27 Apr 2023
145,137 posts
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GregP
Indeed - I have a SIPP with most of my previous employers' pensions in it plus another couple of individual schemes - I should be lossless in perpetuity. At least that's the theory.
GimmeMedals
GimmeMedals
Apr 2023
2:14pm, 27 Apr 2023
25,019 posts
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GimmeMedals
Just had my (company) pension increase notification - looks like about 5%


I got some increase this month (I get paid on 25th) and get the rest next month, TR. Due to the financial year being from 6th April, it takes a couple of paydays for the full increase to come into effect for me.
Johnny Blaze
Johnny Blaze
Apr 2023
2:23pm, 27 Apr 2023
30,106 posts
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Johnny Blaze
To those with DB company pensions: does having a DB annuity make you more or less likely to take the 25% tax free amount?
Lip Gloss
Lip Gloss
Apr 2023
3:00pm, 27 Apr 2023
68,986 posts
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Lip Gloss
6 more pay slips - well really but I will have left the work place and be on holiday before my last one.
Had a wee moan to one of the bosses (I e. GP partner) and told her why I mostly leaving .
Hanneke
Hanneke
Apr 2023
4:20pm, 27 Apr 2023
102,836 posts
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Hanneke
There has been a HUGE turnover of staff at my GP surgery post Covid. All non drs are new and we have 3 GPs left out of 6, one also new. The practice has massive issues!
I was told, repeatedly, that I could not see a dr when I called in with ascites stopping me from eating and drinking. "Take a couple of paracetamol and gaviscon"
I ended up in a&e and hospital for a week and nearly died. Had I not been so insistent and "annoying" myself...
Yes, I overheard this person calling me that in the background...
Hanneke
Hanneke
Apr 2023
4:20pm, 27 Apr 2023
102,837 posts
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Hanneke
P.s. I know the old practice manager and 4 GPs took early retirement 😱😱😱
Rosehip
Rosehip
Apr 2023
4:30pm, 27 Apr 2023
28,777 posts
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Rosehip
To those with DB company pensions: does having a DB annuity make you more or less likely to take the 25% tax free amount?


My main pension is DB, I took the 25% figuring the tax saving was worth it. However my pension is index linked and I got a 10% rise this year and haven’t earned 10% on the investments from that 25% so not sure about the absolute calculation now.

However, I did want some for spending money and like to have a decent accessible savings pot in case the offspring need it so overall the 25% worked out better for me
Johnny Blaze
Johnny Blaze
Apr 2023
4:30pm, 27 Apr 2023
30,107 posts
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Johnny Blaze
The NHS appears to be in a terrible mess at the moment.
Johnny Blaze
Johnny Blaze
Apr 2023
4:32pm, 27 Apr 2023
30,108 posts
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Johnny Blaze
Ta, RH. I guess I'm wondering whether better annual increases over the long term are a better bet than just taking the lump sum.
Velociraptor
Velociraptor
Apr 2023
4:34pm, 27 Apr 2023
63,603 posts
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Velociraptor
I had to take the 25% lump sum from the 1995 pension scheme, which was almost all of what I had, and chose to take a lump sum from the 2015 scheme as well. It may not turn out to be an optimal decision, especially if I live into my nineties, but I wanted to have the money accessible in case we decide to relocate to somewhere more expensive than where we currently live.

About This Thread

Maintained by Sigh
A place for baggy spaciousness: "The quality of time, soft attention and ease that we could enjoy 'doing nothing' "
(thanks to TheScribbler for the term (p1516)!)
( see also: neilthewriter.co.uk
and
darkangelswriters.com )

Retirees Hall of Fame

star CumbriAndy star (17.04.25)
Dillthedog (27.03.25)
westmoors (27.03.25)
dobbers (26.02.25)
McGoohan (15.01.25)
Marmite (01.01.25)
Roobarb (20.12.2024)
gribb0 (20.12.24)
3M (18.12.24)
Jigs (25.09.24)
Synge (30.08.24)
Silvershadow (02.08.24)
Hibeedeb (02.08.24)
Winniefree (08.07.24, 2nd attempt)
EvilPixie (24.06.24)
Snail (21.06.24)
GregP (14.06.24) (after part retirement 31.03.23)
Fizz :-) (13.06.24)
Jaks (15.05.24) (third time of retiring)
HellsBells (31.03.24) (orig. May 2018)
TROSaracen (07.02.24)(semi retired since mid 2019)
Hanneke (01.02.24)
Jenni-far-far (28.12.23)
FergusG (22.12.23)
Mrs Jigs (Luverlylegs) (11.12.23)
eL Bee! (30.11.23)
Lip Gloss (22.11.23)
jda (28.08.23)
RFJ (23.08.23)
Sigh (28.07.23)
Schnecke (end of school term 07.23)
Sharkie (05.07.23)
Ally-C (08.06.23)
Rebel (12.05.23)
CogNoscensme AHA (07.04.23)
Windsor Wool (05.04.23)
Bob! (30.03.23)
Velociraptor (21.03.23)
Garfield (provisional, 27.02.23) (see p.699)
ThorntonRunner (20.12.22)
DrMags (30.07.21)
MaltDrinker (30.07.21)
DoricQuine (15.06.21)
Mandymoo (21.05.21)
Eynsham Red (06.05.21)
GimmeMedals (31.08.20)
Steve NordRunner (01.08.19)
um (May 2017)
macca 53 (31.10.17)
XB (07.07.16)
Flatlander (November 2011)
Helegant
Ness
SarahWoo
Rosehip
alpenrose
Johnny Blaze
annadav
K5 Gus
Curly45
LazyDaisy
Dave..M
jabberknit
Shades
Northern Exile
Nick Cook

[other names to follow, on request]

Celebrating reduced hours

star Angus Clydesdale star (30 hours/week, term-time weekdays only, from June 2025)

B Rubble (2 days/wk from July 2025)
MadWelshWoman (2 days/wk from 1 August 2025)

[other names to follow, on request]

In the Waiting Lounge, with one eye on the door

GeneHunt59 (target: July 2025)
RRR-CAZ (September 2025)
Bigleggy (target: December 2025)

geordiegirl (target: May/June 2026)
HappyG (target: June 2026)
Runningbauble21 (target: June 2026)
MadWelshWoman (target: Summer 2026)
OverTheHillToo (target: approx. 2026)

Diogenes (17.03.27)
cathrobinson (target: 2027 onwards)
Hills of Death (HOD) (April 2026-April 2030)
Dave A (June 2030)
Gromit (July 2030)
Mushroom (December 2030)
CK2 (2030)

[other names to follow, on request]

Just browsing at the moment

Bazoaxe
Daz Love
Totriornottotri
DIY Diva

[other names to follow, on request]

Retirement Failures

Currently empty :-)

[other names to follow, on request]
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