The thread was “Bullion” but it lockedYeah someone I know told me he just buys silver ingots instead of putting money in a pension but has them stored in his house
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Retirement
- Thread starter Shieldsman
- Start date
Select coaches
Striker
Not without a specialist advisor I believe, which I’d imagine is pricy.
Nice out and about this morning . 
Canister
Full Back
It’s an ETC rather than an ETF but is backed by physical gold rather than just tracking the price.
No need for advisor, I just bought ishares physical gold.
Select coaches
Striker
Well, would you believe that’s what I’ve got, thought it was an etf
The way these institutions can go under , I’d want the actual item as opposed to a virtual product even if it is more expensive and holds risk of theftWell, would you believe that’s what I’ve got, thought it was an etf
Matt Hopkins
Winger
Aye
Tuono
Winger
Yep.
moanjam
Midfield
I intend to in 2-3 yr time
SurreyMackem
Striker
Aye, me and the wife both have final salary pensions so didn't think an IFA was needed but looking back it may have been useful for our investments.
Fletch
Striker
Think of you have final salary there’s no need , im
More on about those who don’t have final salary
Subtle brag enall
42
Striker
Its probably only worth it if youre either rubbish with the numbers or worth a fair bit that youll be a higher rate tax payer, that the IFA can do some jiggerypokery to reduce you tax.
SurreyMackem
Striker
On retirement I left most of our savings in cash ISAs as I thought we might need it but it turns out our pensions are enough. An IFA might have advised me to put it into longer term investments.
Ned Land
Winger
I’m using copilot.
DB so no need. I know how much I'm getting, and if im depleting my cash buffer too much in a few tears time we'll cut back a bit if we have to. Don't expect to though.
ChrisK
Striker
We did and best thing we have done
We just went with Lloyd’s wealth management (Shroder) first appointment is free and in that time they basically look at how your are financially set up then tell you if they can do anything for you or not, it’s not in there interest too piss u about, so you have nothing to lose really.
The advice was great ended up with us clawing back a load of tax 2 years running by juggling my redundancy payment, advising best option for my tax free pension lump sum and a couple of other things.
We would never of known without there advice, plus set up a lot of our current investment pots which were just sitting in cash isa’s doing the basic 4 1/2 % .
3 years retired now and most my investments now do over 12%
Ongoing advice is 0.65% but now I am set up will probably drop them next year.
What have you got too lose
Fletch
Striker
Why need a cash buffer if a final salary pension mate ?
You’re Shroder aren’t youWe did and best thing we have done
We just went with Lloyd’s wealth management (Shroder) first appointment is free and in that time they basically look at how your are financially set up then tell you if they can do anything for you or not, it’s not in there interest too piss u about, so you have nothing to lose really.
The advice was great ended up with us clawing back a load of tax 2 years running by juggling my redundancy payment, advising best option for my tax free pension lump sum and a couple of other things.
We would never of known without there advice, plus set up a lot of our current investment pots which were just sitting in cash isa’s doing the basic 4 1/2 % .
3 years retired now and most my investments now do over 12%
Ongoing advice is 0.65% but now I am set up will probably drop them next year.
What have you got too lose
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