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Forfeited about 5% worth of employer pension contributions when they changed the terms. I'd only been paying in a couple of years and about 38 years to go. 5% over 38 years...
If I could have afforded to up my contributions before the deadline, it would have been honoured. Missed the deadline by about 6hrs.
Try not to think about it!
My employer had an AVC in which they would match your contribution. I kept putting it off and eventually missed out when they closed the matching......idiot.
That's it...they use to match my contributions between the standard 4% and max 15%, so 15+15 = 30%.
Now it's weighted in favour of those paying 4-8%, but capped at 10%.
My AVC actually went through the system but they called me up the next day to say I'd missed the deadline 🙁
If you can believe it, I live in a country that voted to exited the EU. As such everything everyone earns, owns or has invested now or in the future is or will be worth about 30% less compared to the rest of the world.
Do I win a prize?
p.s. to be completely transparent, I will at some point receive a blue passport so it's not all bad.