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Thanks Squaredy, you know your stuff.

I am having a meeting with my guy in the next month I’ll pat attention this time 😀

  

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17 minutes ago, spudulike said:

No you don't, if you put a grand in to an Equity ISA and after 30 years it is worth £12K, you take out £12k and don't pay a penny in capital gains tax. You don't get tax relief on your pay as with a pension but an ISA is a tax free saving!!!

Just don't confuse equity with a cash ISA.

Yes I overlooked ISAs, I do have a cash one which I should do something about.

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2 minutes ago, mikedrums69 said:

I’ve got no plans on retiring or a pension. Rather work til in dead

Is that going on your head stone ?

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Trouble is that your outlook changes as you get older and holidays abroad, trips to the pub and getting pissed in the garden during the summer starts to look more appealing as the years go by!

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1 hour ago, spudulike said:

Trouble is that your outlook changes as you get older and holidays abroad, trips to the pub and getting pissed in the garden during the summer starts to look more appealing as the years go by!

They've always been appealing

 

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12 hours ago, Steven P said:

They've always been appealing

 

And because you should have a bit more time available in retirement, that is why you have a pension so you can enjoy that stage of your life between working hard and going in to an old folks home!

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10 hours ago, spudulike said:

And because you should have a bit more time available in retirement, that is why you have a pension so you can enjoy that stage of your life between working hard and going in to an old folks home!

To hell with the old folks home.. before I become useless I'll  take a relaxed trip around Europe,  finishing up in Switzerland. Donate my body to medical research and be of some use. Never the care home. 

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