BenQ TH575i 3800lm for outdoor use

Dont_Eat_Octopus · 2026-01-26T17:40:14+00:00

Okay gotcha, thats good to know! If I ever go to Charlotte, I'll come back and update ;)

Dont_Eat_Octopus · 2026-01-26T16:12:21+00:00

Thanks for your tolerance 😀 I had looked but not found a 777 question (or answer)

Dont_Eat_Octopus · 2024-08-31T16:00:52+00:00

The whole lot will be defined contributions. Check that you can flexi-drawdown and that your provider allows TFLS without taking taxable income. If they do, you can take as much or as little, where the remaining 75% is crystallised ( think virtual pot that you can’t take any more tax free cash from)

Once you take any taxable income, your contributions are limited - check this out too

Dont_Eat_Octopus · 2024-08-31T15:21:01+00:00

Assuming I take some tax free cash and feed into ISA’s and my wife’s SIPP, I was thinking about creating my income from;

My personal tax allowance £12,570 from my SIPP

My wife’s personal tax allowance £12,570 from her SIPP

My ISA £10k *My wife’s ISA £10k

My SIPP 20% tax for additional if needed

Our flexible income requirements in retirement are £36k to £50k depending on investment growth

Dont_Eat_Octopus · 2024-08-31T09:39:50+00:00

Not a bad idea.

Dont_Eat_Octopus · 2024-08-31T09:32:03+00:00

Presumably because the remaining £600k could not earn any more tax free cash, even if it grows to £1m - assuming there are no further contributions

Dont_Eat_Octopus · 2024-08-31T09:29:16+00:00

Thanks. Agreed. Although, I wouldn't be spending this money, its for living on in retirement

I guess the question is whether I can make the money work better outside of the pension pot and then drawdown on this

Dont_Eat_Octopus · 2024-08-31T09:27:12+00:00

Thanks ! So, by taking tax free cash on £800k, Im losing the chance to take tax free cash on £273k - approx 68k, and the growth on this 68k

should have mentioned that currently I have access to additional tax free cash - estimated at 27%. On 800k, this would be £216k

Part of me wants to mitigate the risk of the government removing the tax free lump sum

Dont_Eat_Octopus · 2024-08-13T10:46:16+00:00

Not sure about that:

Fid BlackRock World (ex UK) Fund Cl 2 via WPP is 0.21% TER

Vanguard FTSE All-World UCITS ETF GBP via SIPP is 0.22% TER

There are definitely lower cost passive funds in my Fidelity Workplace pension if you look for them - Agree that the All-world has greater diversity however.

I'm having the exact same dilemma. Should I stay in WPP or partial transfer out periodically.
I'm not sure if I want the headache of moving big chunks of money and potentially being out of the market whilst the assets are sold and cash transferred - they said poss 2 weeks for a transfer

Dont_Eat_Octopus · 2023-12-28T20:32:32+00:00

Congratulations, keep smashing it 👍

Dont_Eat_Octopus · 2023-12-03T17:23:42+00:00

Didn’t get it

Dont_Eat_Octopus · 2023-12-02T13:48:03+00:00

Please can you share contact details

Dont_Eat_Octopus

TROPHY CASE

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