![[personal profile]](https://www.dreamwidth.org/img/silk/identity/user.png){kind=small}
I went on a pre-retirement course
I learned a lot I already knew about what options I have with my USS Pension.
I heard that by 75 I'd be obsessed with my bowel function, should have annual BP and PSA tests, and see an optician at least every 2 years, there's nothing to be done about the loss of elasticity in cartilage, my 5-a-day significantly reduces various cancer risks, and getting my heart to 110 for 30 minutes 5 times a week would be a very good idea.
I learned a few things about the state pension, mainly that if I can afford to and don't expect to die, deferring it is good value.
And I heard a lot about various money stuff, from which the main thing I took was that stakeholder pensions are a fantastic deal. Though I'm not sure how I avoid the Revenue's anti-recycling rules: maybe just wait to the next tax year. Must check up on that. Also that Shares ISAs are rub - why wrap a unit trust in an extra layer of admin with associated charges if you can use your CGT allowance to make it tax-free anyway? And don't jointly own your home - own half each, and have a Discretionary Will Trust. Ostensibly for inheritance tax allowance purposes, but with other useful side effects.
I learned a lot I already knew about what options I have with my USS Pension.
I heard that by 75 I'd be obsessed with my bowel function, should have annual BP and PSA tests, and see an optician at least every 2 years, there's nothing to be done about the loss of elasticity in cartilage, my 5-a-day significantly reduces various cancer risks, and getting my heart to 110 for 30 minutes 5 times a week would be a very good idea.
I learned a few things about the state pension, mainly that if I can afford to and don't expect to die, deferring it is good value.
And I heard a lot about various money stuff, from which the main thing I took was that stakeholder pensions are a fantastic deal. Though I'm not sure how I avoid the Revenue's anti-recycling rules: maybe just wait to the next tax year. Must check up on that. Also that Shares ISAs are rub - why wrap a unit trust in an extra layer of admin with associated charges if you can use your CGT allowance to make it tax-free anyway? And don't jointly own your home - own half each, and have a Discretionary Will Trust. Ostensibly for inheritance tax allowance purposes, but with other useful side effects.