The proposed Pension workaround

[CarlosCorbewrong]

I don't see the need to invest in a higher risk funds if, as they are younger, they will have compound (safer) returns over a longer period. The higher risk returns are needed when you are near the end and your pot is short.

And with auto-enrolment is place then it is unlikely that the future pensioners will have just the State Pension and puts a limited time benefit on the PAYE proposal, as everyone will have more than one income and need to do a return in the future. Plus there is the added administration around that as there is with any PAYE system. Running a PAYE system for 20m pensioners would be a nightmare.

By focussing on the issue and not the reason you will get into a death loop - the focus needs to be on that dependant ratio and increasing those paying in as opposed to the ones taking out. Having said that though maybe Nigel really does have the solution by reducing the NHS it should stop supporting the elderly and hep them on their way earlier therefore reducing the pension bill.

I hope to god you’re not a financial advisor of any sort.

Or a doctor 

[baggy1]

I don't see the need to invest in a higher risk funds if, as they are younger, they will have compound (safer) returns over a longer period. The higher risk returns are needed when you are near the end and your pot is short.

And with auto-enrolment is place then it is unlikely that the future pensioners will have just the State Pension and puts a limited time benefit on the PAYE proposal, as everyone will have more than one income and need to do a return in the future. Plus there is the added administration around that as there is with any PAYE system. Running a PAYE system for 20m pensioners would be a nightmare.

By focussing on the issue and not the reason you will get into a death loop - the focus needs to be on that dependant ratio and increasing those paying in as opposed to the ones taking out. Having said that though maybe Nigel really does have the solution by reducing the NHS it should stop supporting the elderly and hep them on their way earlier therefore reducing the pension bill.

I hope to god you’re not a financial advisor of any sort.

Or a doctor 

  Arf - I'm looking at the least worst option to reduce the bed blocking

[man in the corner shop]

I don't see the need to invest in a higher risk funds if, as they are younger, they will have compound (safer) returns over a longer period. The higher risk returns are needed when you are near the end and your pot is short.

And with auto-enrolment is place then it is unlikely that the future pensioners will have just the State Pension and puts a limited time benefit on the PAYE proposal, as everyone will have more than one income and need to do a return in the future. Plus there is the added administration around that as there is with any PAYE system. Running a PAYE system for 20m pensioners would be a nightmare.

By focussing on the issue and not the reason you will get into a death loop - the focus needs to be on that dependant ratio and increasing those paying in as opposed to the ones taking out. Having said that though maybe Nigel really does have the solution by reducing the NHS it should stop supporting the elderly and hep them on their way earlier therefore reducing the pension bill.

I hope to god you’re not a financial advisor of any sort.

Or a doctor 

If he's a funeral director though he's quids in

[baggy1]

It's definitely a post-glidepath option (funnily enough a mate of mine has just got into doing funerals since retiring and has asked me)

[man in the corner shop]

It's definitely a post-glidepath option (funnily enough a mate of mine has just got into doing funerals since retiring and has asked me)

Hope you told him to stuff it as it was a dead end career.

[CarlosCorbewrong]

Just don’t get into necrophilia - one of the rotters is bound to split on you.

(Copyright, Irvine Welsh, quite probably talking about Jimmy Savile in his short story collection, Ecstacy, written well before the truth about Savile was widely known).

He definitely fucking knew:

“Freddy Royle had had, by his standards, a tiring day prior to his late afternoon arrival at St. Hubbin’s. He had been in the television studios all morning filming an episode of From Fred With Love. A young boy, whom Fred had sorted out to swim with dolphins at Morecambe’s Marineland, while his grandparents were brought back to the scene of their honeymoon, was all excited in the studio and writhed around in his lap, getting Freddie so aroused and excited that they had to do several takes.”