[Mike #1]

Mike cam my charges are very low at 1% . although i am considering on using the £200 a month i put into pension into buying a new house as me and my wife would like a bigger house . and will just sell it off and downsize later in life as we have no kids. Mike

[weetot]

The thing with Pensions is that the government top it up by 20% but is taxable when you take it out. An ISA is not taxed but you have to make sure you never touch it. Thats ok until you need a new van.

From looking into this I have been advised that the best option is to save in both

2 good points there!

[dd]

That only applies to cash ISAs. A share based ISA is taxed on the dividends received the same as a pension fund is.

[Window Washers]

bricks and mortar is what im putting my money into, just wish the market would crash some more

[trevor perry]

what people dont factor into pensions is inflation so most profits of pensions are eaten away with this by the time they mature, property does seem a good bet but again this should be looked at as along term investment as any who bought at the top of the housing bubble has probably lost betwen 25 and 40 per cent on the deal , personally i think a good long term investment is gold and especilly at a time whe governments are printing more money with qauntative easing then gold should do very well and should give you protection from dreaded inflation.

[britishwill]

Good points Trevor

[Perfect Windows]

I'll make a general point.

Ask window cleaners for advice on window cleaning by all means.

DO NOT ask window cleaners for pensions advice as you'll get some of the worst advice I've ever seen.

Vin

[trevor perry]

I'll make a general point.

Ask window cleaners for advice on window cleaning by all means.

DO NOT ask window cleaners for pensions advice as you'll get some of the worst advice I've ever seen.

Vin

Vin when i was first married all financial advisers where pushing endowment mortgages showing charts that in twenty years not only would your mortgage be paid of but you would recieve a bonus of many thousands, years later the endowment payments didnt even cover the mortgages, by more luck than judgement i avoided the endowment mortgage trap. So although i agree asking a window cleaner for pension advice probably isnt wise i would not trust high flying financial advisors either. The truth is no one can predict what will happen with financial markets but one thing is for sure things in this sector are changing very rappidly and even very wealthy and creddible experts are all trying to find as safe haven for their wealth so if these are struggling then i soppose we are all just taking a stab in the dark with our ideas.

[♠Winp®oClean♠]

I'll make a general point.

Ask window cleaners for advice on window cleaning by all means.

DO NOT ask window cleaners for pensions advice as you'll get some of the worst advice I've ever seen.

Vin

Vin when i was first married all financial advisers where pushing endowment mortgages showing charts that in twenty years not only would your mortgage be paid of but you would recieve a bonus of many thousands, years later the endowment payments didnt even cover the mortgages, by more luck than judgement i avoided the endowment mortgage trap. So although i agree asking a window cleaner for pension advice probably isnt wise i would not trust high flying financial advisors either. The truth is no one can predict what will happen with financial markets but one thing is for sure things in this sector are changing very rappidly and even very wealthy and creddible experts are all trying to find as safe haven for their wealth so if these are struggling then i sauppose we are all just taking a stab in the dark with our ideas.

I always remember my aunty & uncle, who had an endowment mortgage. It would pay their mortgage off come 25 years & give them a cash bonus of half that amount again! Theirs actually did but 25 years down the line the cash bonus wasn't even enough to get them a decent second hand car!! The house cost 7k back then!

[Perfect Windows]

I'll make a general point.

Ask window cleaners for advice on window cleaning by all means.

DO NOT ask window cleaners for pensions advice as you'll get some of the worst advice I've ever seen.

Vin

Vin when i was first married all financial advisers where pushing endowment mortgages showing charts that in twenty years not only would your mortgage be paid of but you would recieve a bonus of many thousands, years later the endowment payments didnt even cover the mortgages, by more luck than judgement i avoided the endowment mortgage trap. So although i agree asking a window cleaner for pension advice probably isnt wise i would not trust high flying financial advisors either. The truth is no one can predict what will happen with financial markets but one thing is for sure things in this sector are changing very rappidly and even very wealthy and creddible experts are all trying to find as safe haven for their wealth so if these are struggling then i soppose we are all just taking a stab in the dark with our ideas.

I certainly wouldn't take advice from anyone paid to sell something to me, either.

Vin

[Ian Lancaster]

I'm not going to give any advice.  All  I'm going to say is that since I retired I'm better off than I ever was when I was working

[britishwill]

You will never retire, not with your empire!

[Window Washers]

I'm not going to give any advice.  All  I'm going to say is that since I retired I'm better off than I ever was when I was working

[Ian Lancaster]

I'm not going to give any advice.  All  I'm going to say is that since I retired I'm better off than I ever was when I was working

A nod is as good as a wink

[Window Washers]

I'm not going to give any advice.  All  I'm going to say is that since I retired I'm better off than I ever was when I was working

A nod is as good as a wink

there is no nodding smiley or I would have gave you that too 

[Dominic Carnell]

probably isnt wise i would not trust high flying financial advisors either

I think it was Alan Sugar that said; if financial advisors are that great, then how come they aren't all millionaires living in retirement... very true indeed!