Demise of the convertible?

[Pondy]

Different people, different situations, different choices. I'm happy with a bit of calculated risk, we've each got to make our own choices I suppose, and I'll be happy to accept personal responsibility if it goes wrong!

Fair enough.

Sounds like you need a new ifa @Pondy

I don't want an IFA. I want simple. The two don't mix IME.

 

[firebobby]

Also pensions are only any good to you when you get old. I keep being told by a (knobhead) IFA that if I do as he says I will be a millionaire when I'm 85.
I would rather be poor when (or big IF) I'm 85 and have money now thanks.

Not long now then.

 

[john-e89]

Cashed my pension in and put it in bricks and mortar, it’s a hassle at times but overall better than the alternatives at the moment, but the time will come when I won’t be able to want to deal with being a landlord, it’s bad enough now.

 

[CliveN]

While I am not quite yet a State pensioner, I took my vocational pension (actuarially reduced) when I was 57. Less money overall but much better use of my time. It is clear that 8 years on, my body is not quite as good as it was but that I have made the most of that extra time. And since then, despite sort of calculating that I (we) would run out of money by 2033 some lucky motoring investments have meant I am still solvent and have bought even more cars than I thought. And a new Zed is imminent.