JetsetBkk

To be fair, I have been taking %5 out - about £10,000 - every year for the last 18 years (=90% in total), and its value has gone up by 45%. So I don't think it has been falling behind inflation. ????

I looked into QROPS, but didn't think its benefits - passing it to family members on my death, no inheritance tax - didn't necessarily suit me. I'll have another look at it in a few years. I believe a Norwegian friend of mine does that, but his English is so bad I can never really understand precisely what he says. (I hope he isn't you... ????)

He makes 0.5%.

Only 5% can be withdrawn every year, tax free. That was one of the best investments I made, thanks to my financial adviser. It's worth nearly £10,000 tax free per year. And it's still growing! Here's a link I just found to it - Clerical Medical International bond, now called "RL360": https://www.harrisonbrook.co.uk/clerical-medical-bond/

That's about the most concise way I've heard that explained! Thanks. I used to have Free Standing Additional Voluntary Contributions (FSAVCs) to a pension scheme. I paid in £6,000 and the lovely UK govt. added £4,000 to the scheme because I was a 40% tax payer. Easy money!

Sounds exactly like I've been doing! I still have some of the 25% tax free lump sum left from my Standard Life SIPP. Fortunately, that lump sum keeps growing as the rest of the pension pot grows. I also have a tax free amount every year from a corporate bond that I bought: 5% can be taken out every year tax free. That bond has now grown by 35% over 18 years. I'd like to get my hands on that without incurring tax! And I, too, drawdown just enough to keep my taxable income below the single person's allowance to avoid tax. My UK pension also started a few years ago so I can't take a lot more as "drawdown" without incurring tax. If I want more, I suppose I'll just have to accept the tax bill, too.

It's getting the money out of a pension fund or investment fund in the UK without paying more tax in the UK - that's my problem.

That's great - thanks very much.

I was wondering when someone would say that????. I've lived here for nearly 20 years and seen my net worth increase by 50%, so I think he's doing alright. I just want to get my hands on more of my money without paying tax. ????

Oh, so young.... ????

That's probably what I'm going to have to do if/when I go over the single person's tax allowance. I used to do a tax return every year in the UK, and always ended up with a small rebate. It was a real pain though, adding up all the interest on various accounts. When I first retired here, I used to get £1,000 from "Winterthur Life" every year as a "test" pension - just to make sure it was working and they hadn't forgotten about me ???? . But they took out £220 tax for the first couple of years until I filled in a form - P85, I think. Then I got the full 1,000.

Thank you very much for the links. I'm still digesting what they mean. Your first link doesn't mention the word "pension" at all. Your second link mentions "pension" three times" but looks like it applies to "services of a governmental nature" only, whatever that means: I'll pass all this information on to my financial adviser and see what he makes of it.

Many, many years ago! ???? You pay tax on it when you earn it, and pay tax on it when you take it out of your pension pot. Actually, I've been taking a lot out of the "Tax Free Lump Sum" part of the pot (25%), but there will come a time when that part runs out and I will want to increase the "drawdown" part of the pension, which currently is small enough to keep me below the UK single person's tax allowance limit. Ah. That's what I do currently. But not enough to incur tax. Definitely, but was hoping for some pointers, here.

Thanks. I stand corrected.

My UK financial adviser informs me that if I take more than the UK single person's tax allowance (which I'm not currently doing) and there is a double taxation agreement between the UK and Thailand, then the pension I get from Standard Life can be paid gross and I'd be subject to Thai taxation rules (which would possibly be to my advantage, but unsure). I've done a Google search, and found this agreement document, but not read it yet as it's gone 1am: https://www.rd.go.th/english/770.html Has anyone got any advice they'd like to share on this subject?

My IPTV provider emailed me to say that there was an Internet outage from Thailand to all sites and lasted about 2 hours from about 8pm to 10pm.

My financial adviser has advised me to get a will both in Thailand and the UK. I'm not sure how one will is supposed to reference the other, but that's another issue. So I was wondering if anyone can recommend a Thai lawyer who specialises in wills and probate and preferably has an office in Phuket. PS. I'm not ill - this is just preparing for the inevitable which will come in 10, 20, 30... (who knows?), years.

3BB Phuket, single threaded to/from Singapore - awful. My IPTV stopped for an hour or so: IPTV now OK (2 hours later):

3BB v. bad now: Testmy.net results: 3.5 Mbps down 8.4 Mbps up. Compared to internal - Fast: 630/480.

Do you have Sysinternal's "Process Explorer" running? It has the ability to identify the process that is running and highlight it in it's list of Processes. Then you could kill it or try to determine where the source is located. https://docs.microsoft.com/en-gb/sysinternals/

I quite agree that no matter what treatment you take, you don't stop your ability to pass on the virus. Whether you are vaccinated or not, the viral load in your body is similar. (https://bit.ly/3BYNLKs), so being hospitalised keeps you out of the community and, hopefully, you don't pass on the virus. Vaccination stops you suffering the effects of the virus but may also produce unwanted side effects such as Myocarditis and Pericarditis (https://bit.ly/3tz4EbR). And what about people who have already had and recovered from the virus? There are many reports that say that those people are more protected from getting other variants than vaccinated people. (https://bit.ly/3k0sZ6Y) and should get exemption from vaccination (https://bit.ly/3l7K6mQ). But, of course, there are also plenty of reports that say "but get the vaccine anyway".

I don't know which of the articles you read, but India seems happy with the results. "once the infected begin treatment, they tend not to infect anyone else" Huh? Why should taking Ivermectin stop you infecting other people? ????

I was just a little worried about your liver! That's one of the reasons I try to limit my consumption. ???? I'd love to try the "Brygon Reserve Cabernet Sauvignon from Margaret River" at about 450 a bottle, but I don't think there's any way to get one to me, unless you're heading down Phuket way any time soon. ????

WHAAAAT?

Google "Ivermectin blackout in India". Interesting articles.