Pensions

Phil_aka_Pip · October 2014

Just received the usual annual letter from the company with whom I used to save for a pension. I say used to because I haven't contributed for years. Without opening it, I know it'll say the same as last time "We strongly urge you to save £xxx towards your retirement".

If I had the money to keep those suit-wearers in the manner in which they intend to become accustomed, I'd go out and buy some expensive Gibsons!

1. I don't have a lot of disposable.

2. I don't trust them: if I handed the money over will it still be there when I need it?

3. In my state of health I'm not going to get much of a retirement. HMG are likely to have me working till I drop. It's the Good Old Victorian Values you hear them bleating about.

spark240 · October 2014

Move it.....

You still have it there when you already had the warning light " same thing as last time" !

Sambostar · October 2014

Sell a kidney and if that doesn't do it, a lung as well, get a deposit on a small BTL and rent it out to some poor young people at a rate to cover the mortgage and cut you a tiny amount that they have to sell their kidneys too, in order to afford it. That is what they mean by 'We are all in this together' selling body parts to eek out an existence.

chillidoggy · October 2014

Can I have first dibs on the kidney?

Rather than it going to Vim's wholesale business.

Phil_aka_Pip · October 2014

My kidneys are leaking protein. You wouldn't want them, @chillidoggy. They give me Ramipril to slow the deterioration

VimFuego · October 2014

chillidoggy said:

Can I have first dibs on the kidney?

Rather than it going to Vim's wholesale business.

you're making me wear my sad face, and it's such a lovely day today, too nice to be wearing a sad face.

Fretwired · October 2014

Phil_aka_Pip said:

Just received the usual annual letter from the company with whom I used to save for a pension. I say used to because I haven't contributed for years. Without opening it, I know it'll say the same as last time "We strongly urge you to save £xxx towards your retirement".

If I had the money to keep those suit-wearers in the manner in which they intend to become accustomed, I'd go out and buy some expensive Gibsons!

1. I don't have a lot of disposable.
2. I don't trust them: if I handed the money over will it still be there when I need it?
3. In my state of health I'm not going to get much of a retirement. HMG are likely to have me working till I drop. It's the Good Old Victorian Values you hear them bleating about.

From April next year you can get your hands on it .. go out a buy a Les Paul ... :-)

Phil_aka_Pip · October 2014

@Fretwired It would be nice if there was enough for an ES-175

although I'm more hoping that it will pay enough per year to keep a vehicle in tax & insurance. That will be necessary by the time my income is reduced to that of a basic state pension.

Evilmags · October 2014

The reason pensions are worth a lot less than they should be is a glowering, one eyed Scottish idiot called Gordon...

Phil_aka_Pip · October 2014

That's one of the reasons. I think there are also others

Fretwired · October 2014

Phil_aka_Pip said:

That's one of the reasons. I think there are also others

Brown is a major reason along with low interest rates and low returns from the City.

ToneControl · October 2014

Evilmags said:

The reason pensions are worth a lot less than they should be is a glowering, one eyed Scottish idiot called Gordon...

nothing to do with shite fund managers investing badly and then charging huge fees every year?

Phil_aka_Pip · October 2014

That would be one of the other reasons. The banks f__king up in 2008 would be another.

frankus · October 2014

The banks have to play with the hand the government deal them and do you expect a politician to hold his hands up and accept responsibility? You do? Look over there isn't that... Elvis ... on a top secet alien antigravity skateboard?

Also Vim, lets be clear - that's not technically your sad face, it was someone elses and they might not have finished with it... that's why it is sad

VimFuego · October 2014

if they hadn't finished with it they should've said. But all I heard were agonised screams of compliance.

Jalapeno · October 2014

Evilmags said:

The reason pensions are worth a lot less than they should be is a glowering, one eyed Scottish idiot called Gordon...

Amen !

frankus · October 2014

VimFuego said:

if they hadn't finished with it they should've said. But all I heard were agonised screams of compliance.

Vim that's all you ever hear

.... s'how you can like folk music

Neil · October 2014

If you are not going to add any more to your pension transfer it to a SIPP into (dependant on cash involved and time scale ) two or three decent UK funds, one being a special situations.

If you don't know what you are doing get in touch with Hargreaves Lansdown.

Hope that helps a bit.

ToneControl · October 2014

Neil said:

If you are not going to add any more to your pension transfer it to a SIPP into (dependant on cash involved and time scale ) two or three decent UK funds, one being a special situations.

If you don't know what you are doing get in touch with Hargreaves Lansdown.

Hope that helps a bit.

Cavendish seem slightly better, they rebate the trail commission

chillidoggy · October 2014

Evilmags said:

The reason pensions are worth a lot less than they should be is a glowering, one eyed Scottish idiot called Gordon...

And I bet that cunt will get a nice fat pension, too.

Phil_aka_Pip · October 2014

chillidoggy said:

Evilmags said:

The reason pensions are worth a lot less than they should be is a glowering, one eyed Scottish idiot called Gordon...

And I bet that cunt will get a nice fat pension, too.

He'll get a nice fat baseball bat if I ever meet him

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