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Will DM you

We're on the Pestana Courses, Gramcho etc, near Quarteira

Yes, booked through YourGolfTravel, went last year, it was excellent, why do you have other options?

Good point

Not sure if many others do this, but each year I'm maxing out the ISA limit for Mrs OW and I, and, when the need arises, will probably draw down from my pension pot to keep this up, seems obvious to me, or am I missing something?

Very true, although I'd probably go 2-12 Mar and make a week'ish of it!

So, 2024 retirement travel plans: Jan - Mexico for two weeks Mar - Golf Algarve Apr - Inter railing Italy May - Walking the Grand Union Canal Jun - Majorca Jul - TBC Aug - Nowt, too busy with holiday people! Sep - Toulouse area kayaking and walking Oct - Nowt Nov & Dec, Nepal, India, Sri Lanka...

With an annuity I have a significant issue on the type I choose, my Wife is younger than me and, I believe, women tend to live longer, so I need to make sure it carries over.

I'm not actually drawing down on my pension pots at the moment, and haven't, as yet, taken the 25% lump sum, I'm just wondering whether people convert pensions to an annuity anymore or do they just draw down from the pots?

Having thought about my ISA plan, i.e. maxing it out for the Wife & I for the past few years, aren't the Govt gaining today but facing a massive downside tomorrow? I just wonder if they can ever remove the tax free benefit from these plans? I guess not, but guess they may withdraw the ability to...

I've a blend of the two but have always maxed the ISA first, there's not the tax benefit going in but I like the idea of tax free coming out!

Maybe, as Spring arrives, we could use this forum to post walks / get togethers?

I've just purchased a veterans railcard and am starting to plan a Scotland cycling holiday. Nothing too arduous so thinking of sticking close to Lochs, imagining fewer hills? Alternatively (avoiding the midgies), I may look at canal towpaths in the Midlands? Anyone any experience?

Thanks mate, and good point. I think all the time he performs as he has I'll stick with it but I know what you mean, there's a wealth of information out there

I'm approaching one full year of retirement. Haven't done what I set out to do, but my health was responsible for that, have now planned Year 1 in Year 2.

I retired earlier this year and had loads planned, unfortunately Prostrate Cancer and then Sepsis have put all plans on hold, but recovered now. Going to Italy, Posh Inter-railling, cycling around Lochs in Scotland, kayaking in South of France and a cruise to Norway. Hope to also walk the South...

Interestingly very few people talk about taking out an annuity, less popular now? I have a pension pot but have also been piling cash into ISAs, makes so much sense now, tax free interest will support the pension pot, which I'll invest and draw down as required. Haven't taken the lump sum yet...

With rising unemployment and an inability to claim benefits for those that do choose early retirement I'm struggling to see why they mind? What have I missed other than not earning and paying income tax? For those planning to retire, get IFA advice, of course, but consider filling ISA...

I think the biggest challenge, and a significant commercial opportunity for our very fair and honest financial services environment, will be what "pensioners" do with what is normally their biggest asset, their home. At a simple return of 5% my the cost of an average home in the South East...

Yes, 59 for me