[Misc] Retirement

[Tim Over Whelmed]

That could still work out if you are 66 going on 67 now?

63 now, 67 in 2029

 

[Sirnormangall]

I helped my FA buy this. View attachment 197027

It’s a bit old isn’t it?

 

[Sirnormangall]

I'm currently a big fan of passive investing with low cost global index ETFs so I have my SIPP in the vanguard all world fund which has a 4.78%YTD with a fee of just 0.22%, combined with the low £90 p/a fees from fidelity it seems pretty good value.

Would welcome arguements against though to counter the echo chamber of my usual information sources!

I’m with you on passives and have been pleased with the L&G International Equities fund ( though I don’t have figures to hand). But is anyone getting a bit nervous about equities given what’s happening in the world?

 

[Blue&WhiteSea]

I’m with you on passives and have been pleased with the L&G International Equities fund ( though I don’t have figures to hand). But is anyone getting a bit nervous about equities given what’s happening in the world?

A bit, however I have 15 years before I can access my pension funds so assume they will recover by then.

 

[Daddies_Sauce]

I’m with you on passives and have been pleased with the L&G International Equities fund ( though I don’t have figures to hand). But is anyone getting a bit nervous about equities given what’s happening in the world?

Large allocation to the US and the Mag 7 which I'm looking to reduce in my funds.

 

[Tim Over Whelmed]

So, given the new “Terrace” is opening in the afternoon, I believe, before the Villa game, I’m guessing a few of us retirees will be there early to enjoy the place before the working masses arrive?

 

[Bob!]

So, given the new “Terrace” is opening in the afternoon, I believe, before the Villa game, I’m guessing a few of us retirees will be there early to enjoy the place before the working masses arrive?

Have you seen those prices?
I'm on a pension you know!

 

[Seagull on the Hill]

Have you seen those prices?
I'm on a pension you know!

Go to the student bar at Sussex University, the prices are "pensioner friendly" there!

 

[Dave the OAP]

Have you seen those prices?
I'm on a pension you know!

Exactly…I may wander in to watch the band , but I am not going to pay those bloody prices for a drink or food.

 

[timbha]

Exactly…I may wander in to watch the band , but I am not going to pay those bloody prices for a drink or food.

Do you buy the expensive drinks on your cruises, or do you make friends with people who have an unlimited drinks package?

 

[Dave the OAP]

Do you buy the expensive drinks on your cruises, or do you make friends with people who have an unlimited drinks package?

hilarious.

you obviously don’t know me at all.
but carry on making assumptions

 

[Harry Wilson's tackle]

Go to the student bar at Sussex University, the prices are "pensioner friendly" there!

Ssssssh!
The queue at the bar is already tumescent, and the kids serving are clueless.
Stay away, people, stay away!
(and....exhale).

But if anyone wants to listen to me talking beauxleuqueze before a match, I'll be there.

 

[Professor Plum]

Exactly…I may wander in to watch the band , but I am not going to pay those bloody prices for a drink or food.

£5.60 for a pint of Harvey's isn't at all bad, given the premium you usually pay at these sorts of places. It's £4.80 I think at my local so not much difference.

 

[Tim Over Whelmed]

£5.60 for a pint of Harvey's isn't at all bad, given the premium you usually pay at these sorts of places. It's £4.80 I think at my local so not much difference.

For me I only look at the difference between The Terrace and a Brighton City Centre pub, which isn’t much. For that difference I’ll get a much earlier train from Arundel and enjoy a few pints in relative comfort and, maybe, meet some NSC Retirement thread members

 

[Tim Over Whelmed]

For those that retired early, did you do anything about NI payments? I just stopped work, I haven't told anyone or done anything. I worked FT from 1977 to 2021, so have around 44 years of full payments.

 

[Bob!]

I retired 2 years ago (2 years early) , and already had enough qualifying years for full SRP.
Yiu can check your status on gov uk

Check your State Pension forecast

Find out how much State Pension you could get (your forecast), when you could get it and how you could increase it

www.gov.uk

 

[Dave the OAP]

For those that retired early, did you do anything about NI payments? I just stopped work, I haven't told anyone or done anything. I worked FT from 1977 to 2021, so have around 44 years of full payments.

I also had my full ni contributions…pension will be £925 every 4 weeks

 

[dazzer6666]

For those that retired early, did you do anything about NI payments? I just stopped work, I haven't told anyone or done anything. I worked FT from 1977 to 2021, so have around 44 years of full payments.

I’d paid enough to get a full state pension, Mrs D was a few years short (didn’t work once we had kids) - we paid it up so she’ll get the full pension too. It’s a simple life expectancy punt basically.

 

[Seagull58]

For those that retired early, did you do anything about NI payments? I just stopped work, I haven't told anyone or done anything. I worked FT from 1977 to 2021, so have around 44 years of full payments.

You only need 30 or 31 years. I left the UK in 2010 aged 51 and already had enough years for the full pension. I get around 1270 euros per month (varies depending on exchange rate.)

 

[Daddies_Sauce]

You only need 30 or 31 years. I left the UK in 2010 aged 51 and already had enough years for the full pension. I get around 1270 euros per month (varies depending on exchange rate.)

This is not true: https://www.northstandchat.com/threads/retirement.393877/post-11240291