Just about every (so called) independent financial advisor I have ever spoken to has said that by the time I need state pension it will not be worth the proverbial state pot to pee in.

I am not saying its not true (state coffers may be empty) -
I just cant help feeling cynical about the place this guidance is coming from.

Labour have 100% refused to rule out taxing the state pension so might get shabbier soon

Responsibility Deficit Disorder is a medical condition. Symptoms include inability to be corrected when wrong, false sense of superiority, desire to share personal info no else cares about, general hubris. It's a medical issue rather than pure arrogance.

That is my understanding. I already pay tax on my private pension so when my state pension kicks in I will reduce the income from that by £11,500 to avoid paying more.

I think the issue is that many people just have a state pension to live on, and because the income tax threshold has not been raised for years, whilst pension have gone up, it is possible that they could pay tax in the future solely on their state pension.

Both parties are wriggling around on this, they know that taxing someone just on their state pension is a voting disaster but neither side wants to commit not to.

One more point

Finally someone worth voting for.

As he says, he wants reform to be the proper opposition to Labour.

The Conservatives need to cease existing.

The mountains are calling & I must go.

It’s not going to make any difference. The only question is how big the Labour majority is going to be. The most recent poll, a sophisticated one from YouGov, suggests it will be bigger than a landslide, but that Reform will still get no seats.

[Link]

Farage might change that a little and take Clacton himself, but it’s what happens next to the Tories that’s really interesting. Will they fade away with their right wing walking over to Reform? Or will they dig in, rebuild and allow Labour to carry the can for the next 5 years? Who leads the Tories after Sunak is important. That fight has already started.

Until we get PR we won’t see either Reform or the LibDems getting the numbers the level of their support justifies. That won’t be on offer from a Labour government with a huge majority.

For the avoidance of doubt any comments in response to a previous post are directed to its ideas and not at any, or all, posters personally.

I am already fed up with their stupid photo bombing, gimmicks and stunts. This isn't "you got punked" its an election, just grow up.

One more point