Working 
until i’m 67

10th December 2019 by Nigel Farrar

Working 
until i’m 67

Many of us are looking down the barrel of our ‘normal retirement age’ being 67. A chilling thought. One that drops to freezing when you think about how you’re going to finance the gap between when you want to retire and when you can actually afford to retire.

With the seemingly ever-reducing lifetime and annual pension allowances, there has never been a more important time for doctors and dentists to look at alternative ways to save for retirement outside of the NHS Pension Scheme.
So what are your options?

1. ISAs: Always a good starting point:

Everyone in the family can hold tax free money in an ISA, even the children.
Unlike pensions, ISAs are instantly accessible.

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"LocumDeck is so good and so intuitive that I am lost for words and utterly filled with glee.

It can send an email confirming the sessions that are booked and creates and emails invoices direct to the practice for you. These contain links to your beautifully laid out ‘credentials’ page with all your relevant documents, and a model contract that is all ready for you to accept or edit.

It automatically produces and sends the locum form A, and will produce locum form B. It also acts as the calendar... And it all happens automatically. It is really less than a minute to invoice and do the pension forms, with everything calculated perfectly."

Dr Annette Steele

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