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Re: How bad is your Pension performing ?
When you say "pension rising" I assume you mean fund growth rather than escalation in payment.
Sounds like you need to whack in some AVCs pronto!
Anyway - haven't you also got a few years final salary retained benefits with B&W and Sun Life? You need to add those into the pot too.
One things for sure, relying on the state will see you pretty badly off and waiting until age 67 or more before they pay you anyway.
I guess the other option is downsizing your house when you retire.
M.
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