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Bigbob
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On 19/08/2021 at 22:53, Bigbob said:

Say 60 years old retirement lump sum and plan to live off of 2 pensions till old age pension kicks in , taking bigger lump sum and smaller pension as anything above £12.500 you would pay tax again and no mortage  so pension should do it . got free bus pass as well so car could go LOL 

Think you should cut your expectations unless you have health problems because I don't think it's enough once you deduct inflation; please don't shoot the postman

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On 19/08/2021 at 15:55, Bigbob said:

If you had £75.000 to invest what would you  do with it . Im being aimed towards long term investment 5 years mimium  then they suggested premium bonds my mate invested £50.000 and won £775  in a year even the banks dont pay that much and you still got the value of the bonds . Last time i invested money was 30 years ago and tied it up in the footsie 100  it did okay but now the intrest rates are rock bottom 

 

Bigger house?

Five years time sell, move into smaller property pocket cash

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Just now, Mungler said:


Realistically for a £50k investment property you should be buying without a mortgage and looking for a DHSS let / guaranteed rent scheme.

That really is the dross end of the business. Like trying to swim up a waterfall.

I would rather put my money into Hargreaves Lansdown and get 30% + without having to get out of bed. (And not getting taxed on it until I take it out)

People are getting out of BTL in droves at the moment. Just putting my flat in London on the market 

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4 hours ago, Vince Green said:

That really is the dross end of the business. Like trying to swim up a waterfall.

I would rather put my money into Hargreaves Lansdown and get 30% + without having to get out of bed. (And not getting taxed on it until I take it out)

People are getting out of BTL in droves at the moment. Just putting my flat in London on the market 


My experiences are quite the reverse 😆

 

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