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A bit, however I have 15 years before I can access my pension funds so assume they will recover by then.

I'm currently a big fan of passive investing with low cost global index ETFs so I have my SIPP in the vanguard all world fund which has a 4.78%YTD with a fee of just 0.22%, combined with the low £90 p/a fees from fidelity it seems pretty good value. Would welcome arguements against though to...

The Hereford game was my first ever evening game as a kid, so definitely that one for me!

Anyone racing the National XC on Saturday? Can't believe they are awarding a prize for 1st up the hill, going to be even more carnage than normal 🤣

Mine is due in November, currently on 1.39% with HSBC, going to be painful (£300/month increase based on current rates 😭). Guessing I should start properly looking in 2-3 months?

I find this programme compelling and frustrating in equal measures, I want to hate all it stands for and the amount of time they spend building suspense and manipulating the storyline in the edit but I just can't tear myself away from it!

A few providers like Just. and Standard Life are doing annuity style add ons to drawdown pots now as well, normally called something like guaranteed lifetime income where you trade some of your pot for an income

Try watching some of the decent YouTube videos put out by financial planners like MeaningfulMoney, Chris Bourne, and James Shack. I think they have all covered this topic pretty well and the consensus seems to be that you need to start by estimating your outgoings and working back from there -...

Why are you only taking the tax free element? Surely it would be better to leave that for when you have a higher income later in retirement due to the state pension kicking in? Or are you confident that you will not ever go over the higher rate threshold?

Wish I was in a DB scheme still but no such luck! These days most DB schemes are average salary anyway rather than final salary so not so much of an impact on benefits accrued to date with this sort of change

Not quite retirement but I decided I was becoming so obsessed with planning and saving for retirement that it was unhealthy and have instead decided to reduce my working hours so that I no longer work on Fridays. Financially it doesn't make much difference immediately as the reduction in tax...

Yeah, I went to an early season superprestige race a couple of years ago when we were staying at a centerparcs nearby, was good fun so I'm dragging a couple of mates over next weekend to do it properly.

Have a look at Bicycle.app/GB-gb/shop

These guys have just announced their king Alfred's way event over the august bank holiday weekend, their events are normally pretty well organised https://gloriousgravel.com/product/gravel-sportives/king-alfreds-way/

Nice. I'm off to the final round of the superprestige in 2 weeks, didn't realise it would be the final time I was able to properly follow the sport without shelling out £30+ a month. I guess it will make it slightly easier to justify signing up to TNT sports for Brighton games in December and...

Cycling as a spectator sport is now officially dead in the UK 😭 https://www.cyclingweekly.com/news/eurosport-is-closing-down-in-the-uk-cycling-is-about-to-get-a-lot-more-expensive-to-watch

Anything by mash gang is normally pretty good, unfortunately they aren't cheap

How is the bee and thread not something to do with the great British sewing bee?!

Stumbled upon this world map rescaled by population size

The same Lloyd park where they cancelled the master's xc 🤦‍♂️