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I’ve done similar and plan to do as much travelling as possible over the next few years as I expect I’ll find it more difficult when I’m in my 70s. It would be easier to plan if we knew how long we were going to live, but I’d rather not know!

You’re right but that’s not always easy to do if the main culprit is the CEO who is “overseen” by timid NEDs. A dominant and aggressive CEO sets the tone from the top that can drive a poisonous fear culture that permeates the entire firm. I’ve seen new CEOs in their first CEO role. Insecure...

Absolutely- if you still enjoy it, carry on. My intention was to fully retire, but I started to do a bit of consultancy and NED work when I got bored in lock down and really enjoyed it. I probably work 3 or 4 days a month - on my terms - which gives loads of time to do other stuff, including...

It’s even better when they ask you to come back on a consultancy basis because they belatedly realised that they shouldn’t have agreed to pay you off so soon - because that gives you a second opportunity to tell them to do one!

Without wishing to reply for Lyndhurst 14, I found that larger companies in particular are increasingly full of corporate bull, fostered by a climate of insecurity, blame culture and bullying. The long-standing Bell Cheeses at work thread on NSC is full of wonderful examples. With me it got to...

I think yours is the second school year to get the extra year: I’m in the school year before you and my NRA is 66. But I doubt that news will make you less angry! Metal detecting sounds interesting- is the kit expensive?

Always worth checking the rates of impaired life annuities i.e. if due to I’ll health your life expectancy may have reduced, you’ll get better rates from certain providers.

Go for it. I retired early and a big driver was to spend more time with my kids. I’ve never regretted it. Always plenty to do, fewer pressures, doing more stuff that I want to do rather than have to do.

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That’s all sensible advice. The merits of taking the 25% will depend on your circumstances, though generally probably better to take it ( and reinvest it) - it’s tax free whereas if you take an income instead it may be taxable.

Gaining back pounds in weight will probably be easier! Unless you need your pension pot immediately, stick with it - it should recover over the longer term ( inflation, war and pestilence permitting).

I agree. Very difficult to pick an “active” fund that consistently beats its benchmark and statistically most active funds underperform. Fund of funds introduce layers of cost, so I finally settled for low cost passive index trackers in my SIPP and overall I pay around 1% p.a. Including advice.

I semi retired a few years ago at age 58. I’ve so much enjoyed spending more time with family and friends and doing more of what I want to do and choosing when I do it - difficult to put a price on that. I can’t quite bring myself to give up work totally because I enjoy doing a few hours of...