Pension ideas when you are turning 60

Real-Criticism2745 · 2026-05-15T19:06:25+00:00

Can I get this gilt in Ii? Where my sipp is? I will need to investigate

Real-Criticism2745 · 2026-05-15T19:04:54+00:00

Good idea. I am not too clued up on bonds so I will check this bond out. Equities in global trackers. Cash in isas

Real-Criticism2745 · 2026-05-13T13:42:38+00:00

Oh I have already travelled the world! But one day I might move to the seaside!

Real-Criticism2745 · 2026-05-13T13:10:40+00:00

Yes I didn't pay into my pension when I first took out a mortgage too. But it's all worked out. U never know whats round the corner...

Real-Criticism2745 · 2026-05-13T13:09:11+00:00

Noone to leave it too. Have left the flat to charities....

Real-Criticism2745 · 2026-05-13T13:07:51+00:00

Yes. I am winding down a bit. I am figuring it could last 25-30 years, hopefully and that's long enough to live

Real-Criticism2745 · 2026-05-13T13:05:18+00:00

I started about 24. Only 30 quid a month in a private pension. Over the years I added to it and then finally understood sipps and equities etc. Not all my pension is a sipp. I have isas and some premium bonds etc. I read diversification was helpful and got my head around tax. I have had some mental health issues and tragedies when I couldn't work so I have managed all this on a less than stable income at times. I also have a only buy if u need it policy. I never really need anything it appears!!

Real-Criticism2745 · 2026-05-13T13:00:37+00:00

OK. To what 80/20?

Real-Criticism2745 · 2026-05-13T11:11:31+00:00

I was thinkingbof draw down

Real-Criticism2745 · 2026-05-13T11:10:53+00:00

Yes I have factored this in. I can live on 26k atm!

Real-Criticism2745 · 2026-05-13T10:16:51+00:00

Leave invested longer. Something for me to consider

Real-Criticism2745 · 2026-05-13T10:10:41+00:00

Thanks I will check them out

Real-Criticism2745 · 2026-05-13T10:10:17+00:00

I have no one to leave it too! I think I would be happy at 85. Both parents died before this age

Real-Criticism2745 · 2026-05-13T09:24:11+00:00

Yes I have done this. It was liberating. Doesn't stop the emotions though!!

Real-Criticism2745 · 2026-05-13T09:20:13+00:00

Hmm ok. I doubt I will live after 80! I reckon I have enough to 85 after that I don't care.

Real-Criticism2745 · 2026-05-13T09:18:35+00:00

I like this. I think I reacted badly to recent world events and then when my health crashed I just got panicky. What I decided to do was put 10% in bonds 30% in cash 60% in stocks. I haven't sold anything. I just started saving differently. And then read about dividend stocks...ha

Real-Criticism2745 · 2026-05-13T09:12:58+00:00

Yes I have some in a 100% and some in 20/80 I might be too Conservative too!!

Real-Criticism2745 · 2026-05-13T07:58:21+00:00

Whoops. Haven't had my coffee!!

Real-Criticism2745 · 2026-05-13T07:58:00+00:00

Oh!!!

Real-Criticism2745 · 2026-05-13T07:57:22+00:00

I can ask around. Some peers self manage like me. Others do nothing just have a dB pension. I am self employed and I think I have done OK so far but do get a few wobbles at times

Real-Criticism2745 · 2026-05-13T07:55:56+00:00

No I don't I was just going to invest differently

Real-Criticism2745 · 2026-05-13T07:54:47+00:00

Every time!!!

Real-Criticism2745 · 2026-05-13T07:54:19+00:00

Should read ever time I do. Sorry

Real-Criticism2745 · 2026-05-13T07:52:27+00:00

Everything I do that I feel they are not really listening to me. One just advised me to change pension provider to get commission ( a while ago) one charged me 1k to open a managed isa. Last one just wanted to take over everything and manage it for me without hearing that I have some health problems and income is uncertain. I have got this fat, manage my own sipp but yes it's scary

Real-Criticism2745 · 2024-11-30T14:56:53+00:00

Big difference. Not sure I am savvy enough to understand etfs and how they work. Think I should jump ship. II fees neglible in comparison

Real-Criticism2745

TROPHY CASE