Pensions PVR's
Avoiding carefully when I was, nostalgia etc because it seems to annoy
One factor many miss out on when considering pensions is a little known corner of the commutation rules viz;
If you commute some of your pension at retirement point and stash it the widdows pension remains unchanged.
Which do you prefer your widow to have? some of your pension or the same pension and a substantial lump sum in the bank