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@resjudicata Thank you, that's very helpful to know about claiming early. I have to admit I've not bothered to understand that part before as it feels like a decision very far away! I haven't really considered a LISA and, from looking at it now, think I might have ruled it out too hastily from...

@resjudicata !thanks

@onefootinheavenoneinhell Thanks for that other thread. I'm definitely not tempted by Partnership, so it's good to see the comparison and have my instinct confirmed 🙂

@findsapientia I know what you mean about flexibility. In my case I don't own a house but I am not sure that I want to. (London is expensive; a house is a very un-diverse investment; I might not always live in the UK.) But were you not tempted by the 25% govt contribution? I'm thinking I might...

@ncarr1296 I take your point, but I guess my worry is that the state pension might end up reformed into something completely unrecognisable by the 2060s. I think that's unlikely, but I don't like the unknowability of it, so I want some eggs in a completely different basket. Definitely looking...

@heyilovegod2254 !thanks, this is just the rubric I needed. Doing similar calculations, I estimate the DB scheme is returning me ~6x if I live till 85 and ~11x if I make it to 100. I see now why people say it's generous!

@heyilovegod2254 !thanks, this is a really clear explanation of some of the same thoughts I was vaguely having. I'm interested in your 'twice as expensive' estimate, as this is something I was really struggling to quantify myself. Example: the calculator for 'added pension' effectively told me...

Most people I know have employer DC pensions, so I've found it surprisingly hard to get advice on my DB pension. It's the alpha scheme from Civil Service Pensions, which I know a few other people on here are members of too. I've been lucky enough to have saved money from lockdown and want to...