Retirement

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This has bothered me for a while, when does this happen 1st jan or 6th April? I turn 55 in between these dates. Would be useful to know for plannings sake. Can’t find a definitive answer anywhere.
If you register on the government site you can view when you can claim your pension, see what contributions you've made so far and how much you'll get (based on the current amounts anyway).
 


If you register on the government site you can view when you can claim your pension, see what contributions you've made so far and how much you'll get (based on the current amounts anyway).
Yes this tells me that my retirement age is 67 but not whether I can take my personal pension at 55 or 57. Unless I am not looking in the right place
 
60 is the plan, and I’d do it earlier if I could, in a heartbeat. Decent work pension with quite a few years of final salary preserved before it was changed to career average - but I went up the ladder pretty quickly (before stalling for about ten years) so that’s helpful too.

If I didn’t want to retire because I’d be ‘bored without work’ I think I’d do myself in now, tbh. Just can’t understand that at all. There's so much I want to do. I like my job on balance, and I work with some really decent people, but if I didn’t have to I’d be out of there like

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I have no plans to ever retire and I don't have a pension I opted out from day 1 and have continued to do so.

What are your retirement plans?

Adventure, pleasure, joy, peace, learning, creativity, sunshine, friendship, love and new experiences.

A new chapter.

Shortly.
 
60 is the plan, and I’d do it earlier if I could, in a heartbeat. Decent work pension with quite a few years of final salary preserved before it was changed to career average - but I went up the ladder pretty quickly (before stalling for about ten years) so that’s helpful too.

If I didn’t want to retire because I’d be ‘bored without work’ I think I’d do myself in now, tbh. Just can’t understand that at all. There's so much I want to do. I like my job on balance, and I work with some really decent people, but if I didn’t have to I’d be out of there like
Wait until you get there. the worst thing I can think of is sitting around all day doing fuckall. Also I was a late developer on the baby front so my situation is slightly different to other people's. I'll try and do 4 days a week, then 3 and then see from there. I'm 58 now like - still handsome as fuck like.
 
Wait until you get there. the worst thing I can think of is sitting around all day doing fuckall. Also I was a late developer on the baby front so my situation is slightly different to other people's. I'll try and do 4 days a week, then 3 and then see from there. I'm 58 now like - still handsome as fuck like.
So don't sit around doing fuck all.

I took 6 months off a few years ago and I've got no idea how I ever managed to work. It was great .

Find hobbies. What excites you?
 
I’ll be gutted if working past 60, 55 was the target but cos of recent changes where work I’m now hoping to bail out at 58, life too short to be working til 65 unless you love your job , I don’t

Loads of hobbies you can do , fuck
Sitting around watching tele
 
I’ll be gutted if working past 60, 55 was the target but cos of recent changes where work I’m now hoping to bail out at 58, life too short to be working til 65 unless you love your job , I don’t

Loads of hobbies you can do , fuck
Sitting around watching tele

Thick end of 10,000 working hours that.

Shocking.
 
Mortgage interest rates are very low at the minute, you might get more value long-term by not overpaying and saving the money elsewhere. It's entirely down to personal circumstances like, and at least you've got it in your mind at all that you should be doing something. A lot of people won't at any age!

Its what i'm currently looking at, building up a little investment portfolio with passive trackers, bit of p2p & longer term cash bonds. Im hoping with the next 2 year can get into a position of mortgage neutrality then fund the mortgage from the offsetting investments, which over the next 20 years should generate a decent little nest egg for retirement.
 
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