Reminds me of my friend Howard, a retired colleague whom I encountered in B&Q one day, before before I myself retired. He was bemoaning that he had no time for anything now, and burst out "It's alright for you people who work: you've got your weekends!"
I've never in all my working life done the 9-5, always been "irregular hours", so any time, any day, used to be roughly 0930 2130
3 or 4 days/week, then a period of 0700-1900 10 days/fortnight. More recently only 0900 1800 on a weekend but with up to 6 hours travel to add.
Looking forward to taking one of my pensions but going to sit on it for as long as possible, it grows by 6% year as the "take it early" reduction disappears but part of it is also growing at 7.5%... I like Final Salary pension schemes with the rules set 30+ years ago. B-)
For those without a FS scheme, one point to consider. Should any of you have old (pre 1988) pension plans, particularly what were called Retirement Annuities, do check whether the contract includes a guaranteed annuity rate. Some did, others not. One of mine did, and the guaranteed rate at 60 was better than the then current rate at 65. Check the policy wording carefully, or ask the insurer.
Without wishing to teach Grandmother, ALWAYS look at open market annuity rates whatever the pension provider offers.
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