Pension changes
Watch this postMore than 200,000 pensioners are likely cash in their entire retirement savings next year when new pension reforms are introduced, pollsters revealed last night. Research by Ipsos Mori for The Times has found that one in five OAPs will use part of the windfall to pay for a holiday. What are your views or plans?
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I have some health problems and was really feeling the strain of working to the point where I felt that I just could not go on; my free time was spent recuperating rather than enjoying life.
It was a real blow when the retirement age was changed from 60 to 63 a few years back. When they changed it again to 65+ I was devastated! I felt that I would be too frail to enjoy anything by the time I got to state retirement age. I was depressed and stressed on top of everything else.
I don't have lots of spare cash, but at least I can enjoy life a bit more. My health is still not good, but it is not getting worse as fast as it was! I have a much better quality of life ....and someone who needed a job got the one I left!
Way back in the late 1970s my dad worked in pensions in an insurance company and he said that as most men statistically die at 68 they had very little time to enjoy their free time or their pension.
So he wanted to retire a couple of years early, which he did. Sadly he died at age 68 following a stroke!
I don't want to stop people working on after 60 if they wish to; but I want us to have the choice.
Also, I am a reasonably bright person, but even so I am very glad that I got my pensions before I had to make all the financial decisions. I chose reputable pension schemes to join back when I was functioning better than I am now. I am concerned for people who may find the new processes far too confusing.
I'm just happy to continue receiving my regular monthly 'allowance'.