Yeah it’s bizarre.
Maybe retiring from 35 to 45 and then work to 85 is the ideal.
Serious idea
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Retire 35-45 and you will be in burger king til death.
if youre eating the subsidised meals, then death will be in fairly short order
What if you died at 50 and missed 10 years of your career?
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Or died at 75 by the same token.
Take a career break when younger and do that and then just work at end to make up for it
What would the public servants be taking a break from exactly?
snarky cunts on internet chat sites
Something something
With trouble brewing in Ukraine are pensions now in a spot of bother lads.
If you have your own pension you could just shift it into a low risk cash fund that will have no return but won’t be tied to stock market
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Not over a 20+ year horizon surely. If markets drop you’ll be paying in at a lower price too
Yes. But if you are concerned why not shift existing pot and keep buying into a higher risk fund now. Best of both worlds
But it is a fools errand trying to call this exactly. I shifted half of my pension into a low risk fund before Xmas and have been watching the other half grow in disgust since
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I think the current view is to be very cautious, markets could be hammered in the coming months with impending sanctions across the board.
Forget trying to time it. If you’re more than 15 years from retirement keep ploughing into index funds and forget about it.
Is it worthwhile investing in an index fund separate to your pension? Obviously the pension is the most tax efficient etc, but say you wanted to put money away for a shorter period of time, like 10 years?
I started one of these last summer - it is down 2% so far
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