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I’ve now got my money sorted for retirement, 55 next month! After being a meaningful amateur for a couple of years by reading articles, books, watching YouTube etc. I decided I needed advice as I didn’t have the time to sort it all out myself or chose investments. I ended up withdrawing...

I thought the rule of 4% was widely now discredited (it’s certainly not conservative) as it was based on a veray high percentage of USA stocks in the 1980s

It doesn’t take as much as you think to be in a £1million pot especially if you have any legacy final salary bits which are calculated at yearly x20. I know a number of my work colleagues who are earning good money (by that I mean a professional >£75k) but aren’t what I’d call rich at all who...

I read an article in the economist about 10years ago on the state of pensions by country. The uk has the second biggest private pension fund total value in the world (behind the USA). The reliance of the likes of Germany / France / Italy has is frighteningly low. they are going to be so...

to start with it does feel glamorous but it just becomes a soul sucker. I’ve been too many countries and seen nothing except hotel /office. jet lagged kills when you’ve early meetings after crap flight. It can be very lonely in a hotel on your own. You’re away from family and friends. You...

Healthy! That’s why I want to go early - 2 of our VPs stayed on an extra couple of years when they could easily have gone early. One of them is now a full time career as wife has Alzheimer (came quick and severe) the others wife died a year after their retirement. This combined with a fact...

Might move back to Scotland

Just had initial report from our financial advisor this week, looks like we go at 58, can truly say we are both excited as I thought we’d go at 62 but we have enough to fill the gap until db and state kicks in. So now planning what to do and where to live.

I’ve spent the last couple of months doing all my incoming / outgoing calcs for retirement and I got a few surprises worth looking at, main one was my company DC pension where I had made my retirement age = 60, this had consequence I didn’t realise as it went into lifestyle retirement mode...

Glad to read this whole thread - I’m only 53 but decided I need to plan to retire early having done very little thought into this until late last year. Scared of using an IFA due to horror stories so watched so many YouTube videos, articles, reading books and attending work pension seminars...

Moving into pre-retirement financial planning mode now as kids will both be at uni, mortgage gone next year, done the house upgrades (extension, bathrooms), now maximising pension, bonus straight to savings, probably down size cars going forward. Contemplating moving to 4 day week in 3 years...