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Yup, as soon as you take out &1+ of taxable income you are restricted to only contributing a max of &4,000 Pa into a pension plan. If earning & you want to reduce tax, VCTs are an option. Receive 30% tax relief but they are higher risk investments

Equity release market peaked last year with interest rates fixed below 4%. Very attractive when you consider property prices have historically risen higher Pa in most of the UK. Different position now. Typically 6%+ and a number of lenders have pulled back from the market. The minimum drawdown...

A decent article on the subject, regarding annuities https://www.ft.com/content/51a674a5-231e-4afd-967d-1de5b27200cd

As an IFA we have seen a bounce back in annuity interest this year. Perhaps it’s the improved rates, or certainty in an uncertain economic & political environment. Also many clients who went into drawdown a decade or so ago, wishing to take some risk off the table. The majority of our clients...

A good IFA will always give you a first meeting without charge. This is not a plug for our firm but check out unbiased.co.uk or www.vouchedfor.co.uk