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[quote][i]Originally posted by belton[/i] [quote][i]Originally posted by stuartmitchell[/i] I like the idea of property but the reality of having to maintain a 2nd property and deal with the tennants etc would be a pain in the ass and I dont think I have the time or patience for it. I spoke with standard life and am going to balance savings across: - Stakeholder Pension Plan - SIPP - Investment Funds product Hopefully a nice balance of risk with that but who knows :lol: :boggle: [/quote] There is no risk in having three products here its about where the money is invested. Cant you see standard life are mugging you off because you are now just gunna be charged three separate management fees, for three separate products which would probably end up in the same fund anyway. I cant see the point in you having a SIPP. Also i am surprised no one has mentioned anything about annuities? The quality of your annuity has a massive part to play here. Everyone on this website will be auto-enrolled into a workplace pension scheme by 2018, and i think anyone who does not stay in the scheme is mad because you may be receiving slightly less cash in your pocket a month, but with employer contributions as well as your own, your are effectively receiving a pay rise. I am fortunate enough to work for a pension fund so have a banging pension, and have good knowledge of how it/industry works. :D:D [/quote]
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