Hi,
Having paid Standard Life lots of my pension pot so they could stay in shares after even the most hardened shares person had got out I am now re-evaluating my pension plans.
I am considering a mixture of property and money in an index tracker ISA each year rather than, as I now know foolishly, giving all my money to SL each year. I am self-employed and stupidly paid tax so that I could put money into a pension - how stupid was that so I could have saved myself a fortune in tax and wasted pension contributions the past few years (Couldn't we all).
I see Roger Bootle has a new book out this week which argues that in the future the only rich pensioners will be those who are public sector workers and the rest of us will basically be screwed. Comments?
John.