the general rule of thumb here
Is that the percentage you pay in to your pension should be half your age. And Winders, if your employer contributes to yours and your IFA advised you to opt out then that is bad advice.

Nakers- don't forget to factor in tax relief to your calculations, and bear in mind that lifestyling means that investment growth in the last five to ten years of your pension will be lower than expected growth prior to that.
(dozers, do fuck off ur a nob m8, Tue 12 Feb 2013, 15:13, 1 reply, 12 years ago)

from what he showed me, I was getting a better deal going privately,
He's back next week to sign all the bits for the remortgage, so I'll go through it again. But there was all sorts of health payments and stuff linked to my life insurance that I'll be honest I didn't understand.
( Windy Pig I'm naturally quite suspicious about the moon., Tue 12 Feb 2013, 15:21, Reply)

employer contributions is free money.
The only time I'd say to opt out is if the scheme was NEST. It's shit.

If you aren't clear on stuff then gaz me and I'll clarify things.

Also for Nakers: your mortgage will be paid off by then so you need less income.

HTH xx
(dozers, do fuck off ur a nob m8, Tue 12 Feb 2013, 15:26, Reply)