Blue sky thinking needed
Ever wondered how you will spend your pension? Not just dreams of cruises and kitchens but the nitty gritty of how much you’ll spend when?
Mindset shift from saving to spending
I’ve spent decades squirrelling money away in assorted pensions, and grabbing any tax relief or employer contributions that came my way.
It’s all been safely locked up in my mind as ‘don’t touch: only for retirement’. A bit like buying Easter eggs in advance or Christmas goodies, only with the government to stop you scoffing it early.
But this year I turned 50 (presents welcome).
Suddenly, being able to whip money out of my pension at 55 is no longer ridiculously far in the future, but actually pretty close.
And actually pretty scary.
More on What is a pension and why you should care
Fine in theory, but how do I put it into practice?
Pension freedoms means it’s up to me, post 55, what I withdraw when. Get it right, and I can skip off into a more comfortable retirement. Get it wrong, and the money could run out before I do – which doesn’t sound very appealing.
Sure, I know my options in theory.
I could ignore it and leave it untouched until later. I could just withdraw my 25% tax-free lump sum. I could do different things with different pension pots, from drawdown and annuities to the stunningly-named Uncrystallised Funds Pension Lump Sum (UFPLS). Heck, if I wanted to, I could cash in my entire life savings and stick them under a mattress, although that would be pretty stupid given the government would take a ton of money in tax, and inflation would tear the value to pieces.
Further dire warnings in Don’t lose money by cashing in your pension!
When do I want to retire?
Tied up with these decisions is when and how I might like to retire.
Right now, I’m pretty happy pottering along, working from home as a freelance personal finance journalist and money blogger.
My husband and I are lucky enough to have a tangle of different types of pensions and investments, plus a bit of income from a buy to let property. Defined benefit, defined contribution, ISAs and property: all with different reliability and tax implications.
Our state pensions won’t kick in until we reach 67 – but thanks to our assorted savings, maybe we could dial down on work earlier than that?
How much money do we need in retirement?
Planning to fund retirement also involves plucking figures out of the air about how much income we’ll want. One meeelllion pounds? The square root of bugger all? Something more sensible based on our current expenses, bumped up for uni costs for the kids, dialled down for them leaving home, plus extra if we want to go travelling? As someone who took time out from paid work when my children were first born, I’m only too aware that has reduced my pension savings.
More on How much will I get from my pension?
I spend my life writing about personal finance, and even I’m not sure how much more I should pay into my pensions, what to take out and when.
I need a plan
After all these years of saving, I need to plan how to spend it. Work out how to turn a pension pot into a retirement income. Most retirement calculators I’ve seen seem to assume a set income kicking in from a set age, rather than the reality of different pensions kicking in at different times, with perhaps decreasing income from work and the potential to top up from other investments.
To help come up with ideas, here are some of the things I’m intending to do:
- Book a free appointment with PensionWise, the government pension service that can provide guidance on your pension options.
- Talk to an independent financial advisor (find an adviser near you via Unbiased)
- Play around with some pension calculators
- Try some cashflow modelling
- Trial a new app, designed for people pursuing FIRE (Financial Independence, Retire Early)
- Read up on blogs and books such as ‘Your Retirement Salary for ideas on how to invest my pension pot
- See what it’s like living on the state pension, in a fun challenge with Mrs Mummypenny (start and results)
- Investigate a safe withdrawal rate
- Narrow down ideas of how much we’d like to live on
- Tot up how much more we need to save
I don’t pretend to have the answers right now, but I figure I can start finding out, and let you know how I get on.
Now – over to you. What have you found helpful in planning how to spend your pension money? Do share in the comments, I really would love to hear.
Great post and I found your to-do list very interesting. I have to say that I hadn’t really thought of what I’d like to live on when retired, I’ve just been using a number I thought sounded good when I started saving towards early retirement but which isn’t far from the guidance from this website: https://www.retirementlivingstandards.org.uk/ – this could be either too much or too little, I need to figure it out!
I don’t have an actual plan of how I will be withdrawing from my various pensions, ISAs etc – I’ll be trying to do it in the most tax efficient way, hopefully paying no tax (ie staying under the income threshold) until my state pension kicks in. Whether I’ll be able to achieve this will be a different matter!
I was considering making an appointment with PensionWise but are you only allowed one free appointment? I don’t know whether to have one now or later, if you’re only allowed one?
Author
Hi Weenie,
Top tip about the Retirement Living Standards site, very helpful.
Re PensionWise: I’m not sure if you can go back for more than one appointment. You can check out the kind of guidance they give online (https://www.moneyhelper.org.uk/en/pensions-and-retirement/pension-wise/explore-your-pension-options ) but basically it’s very general, outlining the overall options, rather than making concrete suggestions to suit your individual circumstances. I’d actually suggest talking to them sooner rather than later so you know how much help it is, rather than perhaps expecting more in future.
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Basically pension freedoms is bloody dangerous. There are too many options and tax-grabbing ways of reducing your net pension income with you being none the wiser until it’s too late.
In all honesty, going it alone is pretty tricky. Sound advice is needed.
First place to start is budgeting. Figure out roughly what you’ll need to live off comfortably. From there you can figure out how much to take and in what form.
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Be cautious when dealing with these online traders as most of them are con artists. I followed the posts of a trader named Peter on Instagram last year, and after getting to know him and his roughly 21k followers, I made a $20,500 investment in his company. I was ecstatic when I received my first $2,500 withdrawal profit after a few days. He advised me to increase my investments to increase my profits, so I deposited an additional $13,000 using my Coinbase account, for a total of $330,500 however, this time, I never received my withdrawal and was instead forwarded to an email. they insisted that some fees needed to be paid and I still haven’t gotten my money even after paying these fees, I submitted an additional $27,00. After that I wasn’t able to withdraw my money, I was devastated since I had lost all of my money to this company, which had been borrowed from a loan company. I didn’t want the profits again, All I wanted was for them to refund me my investment capital, So I started to think about trying to find a way to get my capital back. I discussed the accident with my cousin and He suggested that I contact ADWARE RECOVERY SPECIALIST, A recovery agency that specializes in retrieving lost or stolen crypto assets. after I spent weeks looking for and meeting phony recovery businesses online. My cousin had previously gone through a similar situation and the ADWARE RECOVERY SPECIALIST in question assisted him. I emailed ADWARE RECOVERY SPECIALIST, and they responded immediately, I never believed lost or stolen cryptocurrency could be recovered. ADWARE RECOVERY SPECIALIST did the magic. They were able to obtain my money back which took them a whole day. All thanks to ADWARE RECOVERY SPECIALIST. I was fortunate to have my money back, Please everyone should be careful out there not to fall for scam. If you are experiencing a similar situation and you need help to recover your lost or stolen bitcoin and other crypto you can contact ADWARE RECOVERY SPECIALIST through their information above:
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You need the best recovery expert at kingshackerrecovery@gmil.com to rescue you from your crypto theft schemes. Lot of con artists have ventured into the crypto investment space where one tends to lose money on a daily basis all with the intent and promise to earn huge profits. No one is bigger than these evil schemes because these people are smart in their ways. They tend to provide contact agreement with you, get you to a group with individuals who have already invested (but all lies) only to make you feel comfortable to invest your hard earned money. I followed their instructions and invested my money only to discover after a few days I’ve been ripped off 5BTC and 8 ETH. I became furious and wanted revenge. I had contacted a few crypto recovery agents but they were all unprofessional until I was introduced to the best crypto tech pro at kingshackerrecovery@ gmail.com who got back my money with their prowess and experience in handling fund theft. I got all my funds back to the last penny at an affordable charge. Reasons you need to hire this team for your job are they are swift, reliable and are an affiliate agency to the FTC which approves their legitimacy. They have previously handled many successful cases.
had issues over making withdrawal to an online broker which I invested my funds to after several fees been cleared including the tax levied to enable me take my funds out but nothing happened my account was frozen, it was such a hard and horrible experience for me, I got in touch with Gavin ray at e mail Gavinray 78 @ gmail • com’ few days ago following his instructions and he took up my case and successfully placed a recovery of my funds, and I got all that was withheld.
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Hello everyone, I’m James Walton from North Dakota, I saw an opportunity to invest in cryptocurrency and I took it, not aware of the risk involved.
I was a victim like many others and these crypto con men stole $883,000 worth of Ethereum and Bitcoin from me. They got access to my wallet and stole all my crypto assets.
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I fell victim to a fraudulent crypto asset scam after scammers directed me to their website. I met with Lee through LinkedIn and then communicated through the online app Line. Lee showed me how to set up an account on Crypto.com and gave me the link to their website. I started with $2,000 and got back $4,000 as profit plus the capital on my first trade. Lee then convinced me to invest more capital to earn more profit, I sent almost $30,000 in three separate transactions. At some point, I believed I had made a profit of more than $300,000. But when I tried to withdraw the funds, Liquldohn’s “customer service” told me that my account would be frozen and I would have to deposit an extra $48,000 to” unfreeze” it. I was devastated at that moment and felt so bad that my hard-earned money was gone. After a few days, I decide to seek for solution to get back my money from the fake company. I came across a lot of testimonies on the web about one company called Lee Ultimate Hacker which had helped countless victims recover their stolen, scammed, or duped money on Bitcoin or any other form of digital currency. I contacted them and they promised to help me get my money back and asked me for some info about the company I invested with which I provided. I wasn’t fully confident that they could still recover my earned money, I believed the scammer should have already removed the funds from the wallet I sent it to, But Lee Ultimate Hacker has proven me wrong, They can track down any stolen cryptocurrency. No matter how smart the scammer is, always trust and count on Lee Ultimate Hacker to retrieve back whatever you must have lost to online fraud, To seek the assistance of Lee Ultimate Hacker kindly use any of the below contact details. Email:LEEULTIMATEHACKER@AOL.COM Telegram:LEEULTIMATE
I fell victim to a fraudulent crypto asset scam after scammers directed me to their website. I met with Lee through LinkedIn and then communicated through the online app Line. Lee showed me how to set up an account on Crypto.com and gave me the link to their website. I started with $2,000 and got back $4,000 as profit plus the capital on my first trade. Lee then convinced me to invest more capital to earn more profit, I sent almost $30,000 in three separate transactions. At some point, I believed I had made a profit of more than $300,000. But when I tried to withdraw the funds, Liquldohn’s “customer service” told me that my account would be frozen and I would have to deposit an extra $48,000 to” unfreeze” it. I was devastated at that moment and felt so bad that my hard-earned money was gone. After a few days, I decide to seek for solution to get back my money from the fake company. I came across a lot of testimonies on the web about one company called Lee Ultimate Hacker which had helped countless victims recover their stolen, scammed, or duped money on Bitcoin or any other form of digital currency. I contacted them and they promised to help me get my money back and asked me for some info about the company I invested with which I provided. I wasn’t fully confident that they could still recover my earned money, I believed the scammer should have already removed the funds from the wallet I sent it to, But Lee Ultimate Hacker has proven me wrong, They can track down any stolen cryptocurrency. No matter how smart the scammer is, always trust and count on Lee Ultimate Hacker to retrieve back whatever you must have lost to online fraud, To seek the assistance of Lee Ultimate Hacker kindly use any of the below contact details. Email:LEEULTIMATEHACKER@AOL.COM Telegram:LEEULTIMATE
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Imagine this: one morning as you get ready for the day, you discover that your valuable Bitcoins, which are worth $100,000, have mysteriously disappeared. Yes, you, my friend, are the unfortunate victim of what amounts to a modern-day digital theft. But don’t worry—this tale unexpectedly takes a turn for the better, leading to healing and atonement. The initial shock of realizing your crypto fortune has been stolen can send shivers down the spine of even the most stoic investor. Panic sets in, followed by a frantic scramble to report the theft to the authorities. But alas, the bureaucratic red tape and the limitations of traditional investigative methods can leave you feeling more lost in the digital wilderness than ever before. A ray of hope emerged in the shape of HACKATHON TECH SOLUTIONS just when everything seemed hopeless. This expert crew saved the day, acting as though they were a computer wizard with a talent for solving intricate cyber puzzles. A ray of hope appeared in the otherwise hopeless world of cryptocurrency theft when the victim, by sheer happenstance, discovered HACKATHON TECH SOLUTIONS exclusive and customized services. With trepidation and a hint of skepticism, the victim embarked on a journey of recovery with HACKATHON TECH SOLUTIONS. The initial consultation felt like a breath of fresh air, as the team delved deep into the intricacies of the case with a level of expertise that inspired newfound confidence. Through open collaboration and unwavering transparency, HACKATHON TECH SOLUTIONS guided the victim through the recovery process, turning what seemed like a lost cause into a tale of triumph in the world of digital deception. In a plot twist worthy of a blockbuster movie, HACKATHON TECH SOLUTIONS swooped in and managed to reclaim the $100,000 that had disappeared into the murky depths of the internet. Cue the dramatic music and slow-motion high-fives. When the long-lost funds finally made their way back into the account, it was a moment of sweet victory and disbelief. With the money back where it rightfully belonged, the next step involved tightening security measures and perhaps treating oneself to a well-deserved celebratory dinner – because overcoming cyber villains deserves a toast. Through this rollercoaster of a saga, valuable lessons emerged like phoenixes from the ashes. Always stay vigilant, keep those virtual doors locked, and never underestimate the power of a trusty cyber-sleuth on your side. Consult HACKATHON TECH SOLUTIONS via below contact details. info @ hackathontechsolution . com or through WhatsApp +31 647 999 256
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I came upon a post about a cryptocurrency investment platform a few months back, and at the time, I felt it would be wise to invest in cryptocurrencies. Little did I know, though, that the cryptocurrency investment manager was deceiving me by promising me enormous returns on my money. Without making any money back, I lost my $381,000 in capital plus interest. I was despondent and unsure about my next course of action. After discussing it with a co-worker, I was directed to DECODE HACKERS, a cryptocurrency recovery firm. After I gave them all the details of the scam, DECODE HACKERS got to work, I believe getting to the fraudsters’ chain or something related, and was able to get my money back in less than a day. Sincerely appreciative of their assistance, I would like to suggest to all victims out there that they should reach out for this firm’s assistance and urge anyone who has been duped by these cryptocurrency frauds to at least seek their services, you might thank me later. I will leave their email behind; at Decodehackers@gmail.com.
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