Hi, occasional lurker here,
My partner is a 58 year old teacher, who plans to work for another 4 years,at least. She has bought back max years on her government DB pension. I am trying to get her to invest in AVC top up. She has contacted cornmarket who were not that helpful or competitive.
I am just retired at 65, with excellent pension both DB and DC we have daughter in college, have no debt and are very comfortably off. We have funds put away for daughters college. I also have prop, shares and cash portfolio. So, no cash flow issues. Both marginal rate tax payers and plenty of disposable income, we live modestly.
Does it make sense to start AVC's now for her and set up an ARF long term ? What is best route
Advice welcome
My partner is a 58 year old teacher, who plans to work for another 4 years,at least. She has bought back max years on her government DB pension. I am trying to get her to invest in AVC top up. She has contacted cornmarket who were not that helpful or competitive.
I am just retired at 65, with excellent pension both DB and DC we have daughter in college, have no debt and are very comfortably off. We have funds put away for daughters college. I also have prop, shares and cash portfolio. So, no cash flow issues. Both marginal rate tax payers and plenty of disposable income, we live modestly.
Does it make sense to start AVC's now for her and set up an ARF long term ? What is best route
Advice welcome