Medical Consultants: Buying back years for HSE pension

We are often asked about the merits of buying back years for pension purposes. It is possible to buy back actual years worked and notional years when there are gaps in past service. Below we have summarised the key information in relation to buying back actual years that were worked but previously cashed in.

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Consistently timing the market is impossible

Terry Smith manages the Fundsmith Equity fund, which is the largest unit trust in the UK.

Smith’s strategy of investing in only a few, high quality companies for the long term has been highly successful. But there is one thing he refuses to try to do:

“There are two types of people when it comes to market timing,” says Smith. “Those who can’t do it, and those who know they can’t do it. And I know that I can’t do it.”

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