GP TechLead

I was having a discussion recently about what can those not relying on an NHS pension can do for retirement. Workplaces are legally required by law to give a pension, and though most of the time you should definitely take it (it's effectively extra income if your employer will add to it), it may not be invested in the appropriate funds or might be charging high fees. The two main methods most talked about are Stocks and Shares ISAs (Individual Savings Account) and SIPPS (Self-Invested Private Pensions). They effectively are tax wrappers that shield the growth of the equities within them from tax. Below Are my takes on the pros and cons of each of these products, and when they may be appropriate for some.

Work in GP land seems to be ramping up in intensity and days seem more draining than ever. Every day seems to be full and every day seems to go onto the urgent lists. I wanted to see what my normal day (roughly 8-6) would be like, not on duty or late (12-8), to see where my time seems to go in the day. It was totally random day, so I couldn't cherry pick a particular quiet or busy day.