UK tax / pension professional advisor recommendations

[adamu]

Minor point, but when I put 761.8 into a compounding calculator for 30 yrs at 5%, I see 56,436.23 at the end. Four percent of that is about 2257--still not close to 8546, but at least a little better.

Not minor, foolish of me to forget to compound it! But we're using the 4% rule, so for consistency the figure in that case is £46,905.35, of which you'd get £1876 anally, so about double the non-compounded amount for stocks. I also think these calculations are over 31 payments, not 30 The 30 payment figures are £44,434.53 and £1777.

But yes, the pension amount payout is still almost 5 times the equivalent invested in index funds assuming 4% return.

[captainspoke]

I think I'd only apply the 4% rule on withdrawals. I used 5 in the accumulation phase as a conservative probable return--some people might point at the century-long 9-10% average (US, and I wouldn't rely on those numbers!), and other places and cases.

No question tho that that scheme is worth buying into.