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Pension planning comes in two stages, accumulation (where you build up benefits in a pension) and, decumulation where you draw benefits from the pension monies you have accumulated.
Mortgages have become more varied and complex over recent years; Fixed, Variable, Discounted, Capped, LIBOR rates – almost as though the industry is trying to make it sound difficult.
Each investment structure has different tax implications, so it is important to choose the right one or combination of structures based on your own needs, tax position and objectives.