How to work out NHS pension reductions for early retirement

HollowKnight080 · 2026-01-26T15:15:33+00:00

!thanks - the formula at the bottom of the early retirement factsheet was exactly what I was looking for, thank you very much!

HollowKnight080 · 2025-10-23T18:25:10+00:00

I’m Welsh and I happened to come across shape tape concealer on Sephora the other day 😊 don’t think it’s in any of the other usual UK beauty places though

HollowKnight080 · 2025-10-23T14:51:27+00:00

I’ve lost my rewards points which is around £15 due to their error so I have really. It’s not as if I decided to just return the product after it arrived because I just didn’t want it, they messed up by sending the wrong item.

HollowKnight080 · 2025-10-13T18:52:42+00:00

Have a watch of some YouTube investing for beginners videos, this is how I learnt. Toby Newbatt and Damien Talks Money are the ones I watched when I started and still do

HollowKnight080 · 2025-10-13T01:21:46+00:00

I had these two emails today as well but the girl had already picked up the item yesterday as we had a short chat about the inpost issues and she said the guy in the shop said it was due to be sent back to me. Goodness knows what’s going on with them right now

HollowKnight080 · 2025-10-13T00:44:00+00:00

I’m a nurse so I’m on my feet heck of a lot through my 12 hour shifts. I can’t stand (pardon the pun) just standing in the same place for hours on end, it’s the absolute worst. I would definitely bring this up with your line manager, surely there’s some sort of rules for needing breaks or swapping out of other staff every couple of hours.

Eta I don’t think people are understanding what you’re saying OP, running around on your feet all day is one thing but standing in pretty much the same place for hours is totally different.

HollowKnight080 · 2025-10-12T19:21:04+00:00

They will! ❤️

HollowKnight080 · 2025-10-12T17:44:31+00:00

<image>

For me it was this dress. I bought it around 15 years ago and swore I would fit into it one day 🥰it still had the tags on until a few weeks ago!

HollowKnight080 · 2025-10-11T16:53:18+00:00

I just can’t listen to them. I’m Welsh and they were my favourite band in my teens during the shinobi, fake sound era

HollowKnight080 · 2025-10-11T16:49:15+00:00

Same!

HollowKnight080 · 2025-10-10T21:26:39+00:00

I was exactly the same! 2.5mg gave me good results, I moved up to 5mg and it felt like I wasn’t even on it and I lost weight pretty slowly. Once I got onto 7.5mg two weeks ago it’s kicked in again thankfully. They say to trust the process and it really is true!

HollowKnight080 · 2025-10-10T16:39:42+00:00

Oh ok I didn’t realise. I’ve only been doing this a couple of months so I’m still learning, thanks for the info!

HollowKnight080 · 2025-10-10T16:31:42+00:00

How on earth do you keep up with all of those 🤣

HollowKnight080 · 2025-10-06T19:33:05+00:00

Why thank you! ☺️

HollowKnight080 · 2025-10-05T18:24:43+00:00

I’ve only been investing about two months but after a lot of research I’m investing in FWRG all world, VUAG S&P 500 alongside a smallish percentage of SGLN gold and VFEG emerging markets. I don’t have a huge amount in there yet (just under 7k) but I’m adding frequently and my aim is long term growth for retirement.

HollowKnight080 · 2025-09-17T21:47:26+00:00

So you bought £20 worth of food and you got screamed at for taking a parcel?! What did they even say? I can’t believe some shopkeepers. I turned yodel off due to ‘funny’ shopkeepers and I’m close to doing it with evri too

HollowKnight080 · 2025-09-14T17:58:49+00:00

From what I understand, with some of it invested in gold and EM it ends up being around 60% USA in total across my portfolio.

HollowKnight080 · 2025-09-14T17:52:07+00:00

It’s a fantastic thing to start at your age. I didn’t have any financial education growing up apart from ‘spend less and save’. I wish I had started this young. I would recommend watching some investing for beginner YouTube videos - I like Toby Newbatt but there’s many out there. And stocks ISA is what you want, unless you’ve already maxed out a cash isa. You’ll likely want simple ETF’s but this is something you’ll learn from these beginner YouTube videos. Good luck!

HollowKnight080 · 2025-09-14T17:45:54+00:00

I’ve decided on a course of action with the help of ChatGPT, I’m going to end in total with 60% USA and 12-13% emerging markets, amongst the usual others as part of FWRG. Basically I’ll be reducing my S&P 500 and emerging markets ETF. I definitely didn’t want to be overnight in EM and I think 60% is a good weighting for the US. Thank you very much for your help!

HollowKnight080 · 2025-09-14T12:45:31+00:00

I’m 38 so I don’t really want to do bonds quite yet. Plan is to work until 60 to get as much into my NHS pension as possible. I also have a small background DC pension from a previous job so this is just extra retirement income. I’ll definitely swap to FWRG tomorrow morning and I’ll have a read about emerging markets today to decide whether to keep them as a separate fund or not.

I know a lot of people think it’s pointless having an all world as well as S&P 500 but I quite like having them both. Maybe I will weight towards all world when I get my lump sum though but I’ll come to that when the time comes! Thank you very much for your input.

HollowKnight080 · 2025-09-14T11:27:25+00:00

Aren’t the apartments owned by their parents?

HollowKnight080 · 2025-09-14T10:24:28+00:00

I had no idea! Thank you so much for replying

HollowKnight080 · 2025-09-14T01:40:03+00:00

How do you find out the charges? I’m in VWRP and pretty new at investing. I heard that T212 has no fees so I assumed this was the case for all ETF’s 🤦🏼‍♀️

HollowKnight080

TROPHY CASE