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@sarah_ghinea: we tried😃 #friends #fyp #funny #audio #singing

Sarah Ghinea
Sarah Ghinea
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Region: US
Sunday 30 November 2025 20:08:20 GMT
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zahidlateef6
Zahid Lateef :
🌹🌹🌹
2025-12-01 02:15:24
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dominicanboy27
Dominicanboy :
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2026-01-27 22:16:47
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2025-12-01 18:12:01
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No vale, por favor vas a montar eso sabiendo que tienes que salir por hay 🤣🤣🤣
No vale, por favor vas a montar eso sabiendo que tienes que salir por hay 🤣🤣🤣


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💸 I’ve assumed an average annual growth rate of 6.5%, inflation running at 2.5% and on-going fees of 0.5%, making the real rate of growth <4%. 💪🏽 This is just one approach to flexi-access drawdown. If you have a flexi-access enabled pension, you may wish to take a different approach. 💰 These withdrawals are gross of tax. Usually, the first 25% of a personal pension is tax free and the remaining 75% is taxable at your marginal rate. 🪰 This model assumes no tax free lump sum was taken, and thus the first 25% of each withdrawal is tax free. 📉 Importantly, it assumes the SAME growth rate every year, which is not realistic. Some years may be bad and if there are bad years in the earlier stages of drawdown, the length that the pot could last may be significantly less. 📱 I’ve also factored in a 3% escalation rate. Meaning that each year, you’re taking 3% more than you were the previous year. 👉🏼 Disclaimer: This content is for informational purposes only and does not constitute financial advice. Please speak to an independent financial adviser before making any financial decisions. #finance #money #pension #retirement #wealth
💸 I’ve assumed an average annual growth rate of 6.5%, inflation running at 2.5% and on-going fees of 0.5%, making the real rate of growth <4%. 💪🏽 This is just one approach to flexi-access drawdown. If you have a flexi-access enabled pension, you may wish to take a different approach. 💰 These withdrawals are gross of tax. Usually, the first 25% of a personal pension is tax free and the remaining 75% is taxable at your marginal rate. 🪰 This model assumes no tax free lump sum was taken, and thus the first 25% of each withdrawal is tax free. 📉 Importantly, it assumes the SAME growth rate every year, which is not realistic. Some years may be bad and if there are bad years in the earlier stages of drawdown, the length that the pot could last may be significantly less. 📱 I’ve also factored in a 3% escalation rate. Meaning that each year, you’re taking 3% more than you were the previous year. 👉🏼 Disclaimer: This content is for informational purposes only and does not constitute financial advice. Please speak to an independent financial adviser before making any financial decisions. #finance #money #pension #retirement #wealth

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