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Happy birthday!
Interesting to see what you are doing with your various pension pots but I guess by the time I hit 55 (in 9 years) rules will have changed but I hope I’ll be able to be just as tax efficient.
I currently have SIPPs with both AJ Bell YouInvest and HL and am also surprised about your findings re drawdown (I have no funds with AJ Bell). Perhaps I’ll stick with AJ Bell during accumulation phase to keep costs down and then consider transfer later drawdown.
Hi Weenie and thanks re. the birthday.
Yes I was surprised about the AJ Bell drawdown charges – I’ve always thought of them as a cheaper version of HL.
They are still cheap during accumulation, so there’s no rush about moving away from them.
I think pensions will have changed a lot in 9 years time, but I doubt that the changes will be retrospective – any money you’ve already put in will probably be treated as it is now.