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[quote][i]Originally posted by Robbo[/i] a standard rule is you must have a pension plan by the time youre 30 but as you say, even before then not havign one will seriously hurt you. i pay the max into my work one (5% with work matching my contribution IIRC) and review my investment choices every 3 months to ensure they are performing well. I have an old one from my firsty emplyer with a small amount in it and when i leave VF< ill consolidate the 2. Annoyingly, my last 2 companies i left before 24 months had elapsed so all my contys were returned and spent (obv employers contys were refunded to them) - however i plan to pay an equivalent amount to my contys into my old personal pension at some point to ensure i repay myself. I want to retire max at 60, hence paying in for a long time. we operate a slaary sacrifice scheme which helps a little too as you get some additional small tax benefits [/quote]
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