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Thread: State Pension rant

  1. #161
    Join Date: Jun 2014

    Location: Chorley Lancs

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    I'm Steve.

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    I expect (health permitting) to be working well into my seventies as my pension will be so pitiful, and I'm ok with that - I will do less hours (hopefully I can cherry pict the better/easier jobs).

    I'm not worried about keeping younger people out of a job as I will hopefully be able to train up someone who can eventually take on my customers, although going on past experience, having to get out of bed in the mornings will always be a sticking point with them. No way round that!
    I just dropped in, to see what condition my condition was in

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  2. #162
    Join Date: Jan 2008

    Location: Wrexham, North Wales, UK

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    I'm AudioAl'sArbiterForPISHANTO.

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    Quote Originally Posted by Pigmy Pony View Post
    I expect (health permitting) to be working well into my seventies as my pension will be so pitiful, and I'm ok with that...
    Sad days though, bro, when instead you should be putting your feet up (inside those fur-lined slippers, secured with velcro straps, the old duffers wear, lol), sucking on a Werther's Original, whilst playing with your grandkids (if you have/will have any by then)....

    If successive governments, for years, hadn't repeatedly neglected to put into place a proper infrastructure for looking after hard-working people in their old age, who've more than contributed their bit to society, things could've been rather different!

    Me? I reaslised, around the age of 26, that if I wanted to enjoy life when I retired, I had to do something about it myself - and I did. But I was lucky it worked out, although I suppose, to an extent, you make your own luck in life.

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  3. #163
    Join Date: Feb 2013

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    I'm Grant.

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    nowt wrong with werthers
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  4. #164
    Join Date: Jun 2014

    Location: Chorley Lancs

    Posts: 14,590
    I'm Steve.

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    Quote Originally Posted by Marco View Post
    Sad days though, bro, when instead you should be putting your feet up (inside those fur-lined slippers, secured with velcro straps, the old duffers wear, lol), sucking on a Werther's Original, whilst playing with your grandkids (if you have/will have any by then)....

    If successive governments, for years, hadn't repeatedly neglected to put into place a proper infrastructure for looking after hard-working people in their old age, who've more than contributed their bit to society, things could've been rather different!

    Me? I reaslised, around the age of 26, that if I wanted to enjoy life when I retired, I had to do something about it myself - and I did. But I was lucky it worked out, although I suppose, to an extent, you make your own luck in life.

    Marco.
    I was 26 when I got married, my mortgage was only a few months old, my first daughter 2 years away, second daughter 4 years off. Missus went part time so we could be around for them more, so we never had much income, and certainly not enough left over to chuck at a pension scheme - all our money was tied up in the here and now.

    30 odd years later, I still don't have much money, but I do have my health (long may it continue), and I have an 11 year old grandson and my younger daughter who's fiancé hails from Tuscany, is expecting her first child in April.

    Cash poor, but pretty well off in other ways!

    And I'm not waiting for retirement to enjoy my slippers and Werthers, got 'em already.
    I just dropped in, to see what condition my condition was in

    T/T: Inspire Monarch, X200 tonearm, Ortofon Quintet Blue. Phono: Project Tube Box CD: Marantz CD6006 (UK Edition); Amp: Musical Fidelity A5 Integrated.
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    Echo Dot, Amptastic Mini One,Arcam A75 integrated, Celestion 5's, BK XLS-200 DF

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  5. #165
    Join Date: Apr 2017

    Location: Cheshire UK

    Posts: 843
    I'm Martin.

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    Yes the rub is that I never felt I had enough left over to start a pension scheme when I was younger and many people dont. An insurance salesman used to hassle me but pension age seemed so far off

    I later worked in a department handling pension complaints because many people had been mis sold pensions WELL TOTALLY CONNED OR DEFRAUDED ACTUALLY. There was actually a strong case for fraud and these companies were shitting themselves and offering the full premium plus compensation back

    You know people had been paying the man at the door and ended up with a tiny pension pot which was not worth a light in terms of an annuity.

    So the pension industry can be a complete con unless people are fully aware and pay a large chunk in. Who has that large chunk of money when the cost of living is so high?

  6. #166
    Join Date: Apr 2008

    Location: Cheshire, UK

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    I'm Clive.

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    Quote Originally Posted by Minstrel SE View Post
    Who has that large chunk of money when the cost of living is so high?
    I read just yesterday that there are over 900,000 people with pension pots just under or already over the LTA of £1.03m. There an earning brackets where it's madness to not pay a chunk into a pension otherwise such people pay 60% tax.
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  7. #167
    Join Date: Feb 2017

    Location: Surrey, UK

    Posts: 506
    I'm Mark.

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    When I retired annuity rates were abysmal and I suspect are no better these days. They just about divided your pot by 20-25 (how many years till you were 85!) for the annual amount so £30K got you little more than a Grand per annum. Much less if you wanted a spouse to have something after your demise. And if you didn't live long guess who got any surplus - the good old pension company. I was lucky enough to have enough guaranteed pension from occupational schemes to put my personal annuity pot into a SIPP and use draw-down over a few years to claw it all back in a number of annual cash lumps (minus tax of course).
    Last edited by Len Co; 02-10-2018 at 08:35.

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