Which pension guide

[Peter]

This arrived yesterday and have had my nose in it.

Excellent advice which you can research further.

One thing is obvious....tell the life insurance that you have high BP,smoke,drink and you can get a better annuity.

I can smell a Porsche lurking although my godmother sent me a birthday card with an E Type jag on it.... oh the choice...Lotus.

They also included the latest Which mag for £1

All I have to do is cancel the subscription before 21/4/15.

When my mother worked as a librarian at the local college I could always borrow back copies.

Pays for itself if you want independent advice on white goods.

[sound]

Ah but Peter why would anyone buy an annuity with the new bank account pension arrangements.

If I may make a non political point. The pension changes which give full access to ones pension pot is about the most sensible thing done in government for a long time.

Mark

[DaveG38]

Too late for me. My pension annuities are bought!!

[sound]

Dave,

Pay close attention to the last budget.. You can now cash them in. All is not lost. The point is annuities were fine when interest rates were higher. Those days are long gone.

Mark

[Paulus]

Agree with Mark, it's finally the case that you can do what you like with your pension money, quite right

[Gary1000]

Agree with Mark, it's finally the case that you can do what you like with your pension money, quite right

I must admit to having reservations. I have always mistrusted annuities but at least the money is always going to be there. I suppose once the pension pot has been blown there is alway the state pension to fall back on.

[Peter]

My pension pot is about £150 k

We own our house (about 50 k mortgage and a value of £300k plus)

We also have a £200k bungalow paid up.

I have friends who have retired on pensions....yes less than 50 and get a whacking pension.

My brother in law got £100K and yet still gets £500 a day for freelancing my sister has got a huge pension....great for my family and daughters treated like princesses .

I have worked in London and took a 4hr round trip.My daughters call me the man in a dressing gown.

Something is wrong...I'm 54 and worked my bollocks off.

I wanted to be a copper and not just a collector every day.

[Gary1000]

My pension pot is about £150 k

We own our house (about 50 k mortgage and a value of £300k plus)

We also have a £200k bungalow paid up.

I have friends who have retired on pensions....yes less than 50 and get a whacking pension.

My brother in law got £100K and yet still gets £500 a day for freelancing my sister has got a huge pension....great for my family and daughters treated like princesses .

I have worked in London and took a 4hr round trip.My daughters call me the man in a dressing gown.

Something is wrong...I'm 54 and worked my bollocks off.

I wanted to be a copper and not just a collector every day.

My brother was a banker until he retires early a couple of months ago on a 2/3 salery pension. For us mear mortals the days of big pension annuities are long gone.

[Colin G.]

My pension pot is about £150 k

We own our house (about 50 k mortgage and a value of £300k plus)

We also have a £200k bungalow paid up.

I have friends who have retired on pensions....yes less than 50 and get a whacking pension.

My brother in law got £100K and yet still gets £500 a day for freelancing my sister has got a huge pension....great for my family and daughters treated like princesses .

I have worked in London and took a 4hr round trip.My daughters call me the man in a dressing gown.

Something is wrong...I'm 54 and worked my bollocks off.

I wanted to be a copper and not just a collector every day.

My brother was a banker until he retires early a couple of months ago on a 2/3 salery pension. For us mear mortals the days of big pension annuities are long gone.

[azda]

Ok, as a Scotsman having Worked in the UK but obviously now the other side of the Channel can someone explain whats happening there with the pensions, not sure if i can go blow cash on coins or not

[Peter]

Dave

It will get worse my pension pot wouldn't feed the local blue tits.

Get the Which mag and my advice is to pay off mortgages and buy antiques.....another can of worms.

I do like George 1/2nd furniture.

Learn a lot from Lovejoy.

I have a good pal who is a fine arts auctioneer.

Investment is an opinion no more or less go from the heart and if you enjoy coins I can't see a problem.

In our conservatory I have a special table full of goodies,arrow heads,amber,fossils,musket balls,flint scrapers gold and silver ingots,a flick knife dads and grandads medals and a picture of my penis when it was 10" long,,,,sadly it has shrunk an inch....but my balls are bigger.

[azda]

Just saw this on the BBC news website regarding the pensions