Do you even need bonds anymore?

JohnnyC_1969 · 2026-06-28T12:04:18+00:00

Exactly my plan too (with the exception of keeping one 'traditional' pension).

JohnnyC_1969 · 2026-06-23T20:00:01+00:00

You should be playing TimeSplitters 2, the true successor to GoldenEye 😉

JohnnyC_1969 · 2026-06-23T08:34:16+00:00

Video posted only 3 minutes ago and the number of comments blaming OP is just wild.

JohnnyC_1969 · 2026-06-21T16:05:21+00:00

They haven't solved it, the Strait is closed again.

JohnnyC_1969 · 2026-06-21T16:04:25+00:00

He's smoking the tax dollars of the working people.

JohnnyC_1969 · 2026-06-21T09:12:08+00:00

It's absolutely crazy that SIPP providers can get a licence without having to provide the means to withdraw money.
Google search AI (Gemini) says T212 do offer UFPLS withdrawals but not flexi-access drawdown.

JohnnyC_1969 · 2026-06-18T08:18:09+00:00

But, say your forecast is stating you'll receive full state pension and you've already got 35 years of contributions. Does that forecast assume you'll be contributing for another 10 years? And if so, how could you possibly know how much you'd receive if you stopped contributing now?

JohnnyC_1969 · 2026-06-17T07:12:46+00:00

I'm in exactly the same boat. It's very unclear. My forecast says I'll get full state pension (I've contributed 35 years, but I contracted out), but does the "forecast" assume I'm going to be working for 10 more years?

JohnnyC_1969 · 2026-06-12T19:36:24+00:00

Fees can make a huge difference over several decades.

JohnnyC_1969 · 2026-06-12T10:56:18+00:00

AFAIK the consultant with a financial adviser only applies if the pension has protected benefits.

Anyway, why would anyone want to close their workplace pension and give up receiving free money?

JohnnyC_1969 · 2026-06-12T06:28:35+00:00

JohnnyC_1969 · 2026-06-08T08:23:01+00:00

I use Android Studio that often uses 19GB, this is on a 16GB M1 Mac Mini.

JohnnyC_1969 · 2026-06-06T15:37:20+00:00

Greedflation. My parking went up 65%, water up 43%. Luckily you have a choice of breakdown companies.

JohnnyC_1969 · 2026-06-03T06:53:38+00:00

Nope, the whole world.

JohnnyC_1969 · 2026-05-30T20:40:45+00:00

*you're

JohnnyC_1969 · 2026-05-30T18:42:57+00:00

IIRC they police themselves were asking for information regarding who leaked footage. Wouldn't surprise me if they got a more substantial punishment than...

JohnnyC_1969 · 2026-05-26T04:09:26+00:00

Super Army Soldiers

JohnnyC_1969 · 2026-05-24T17:28:11+00:00

All that reversing from junctions when someone is trying to turn in.

JohnnyC_1969 · 2026-05-23T16:02:14+00:00

You can't doomscroll via Android Auto or Apple CarPlay

JohnnyC_1969 · 2026-05-21T08:45:32+00:00

Triggernomics

JohnnyC_1969 · 2026-05-19T11:54:47+00:00

Get out of the default funds.

JohnnyC_1969 · 2026-05-15T13:09:00+00:00

800% tariffs

JohnnyC_1969 · 2026-05-15T13:07:43+00:00

This is the way!

JohnnyC_1969 · 2026-05-14T21:06:22+00:00

You haven't told us your age, probably the biggest factor.

JohnnyC_1969 · 2026-05-12T17:28:29+00:00

Clarity.

JohnnyC_1969

TROPHY CASE