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This would allow him to alter his income as his non-essential spending dictated, while leaving his fund to a beneficiary (currently less 55% tax) or the full fund to a charity of his choice on death something clearly not possible with an annuity." Join the debate: Next week we look at a woman retiring at age 65 with a private pension pot of 80,000 and a full state pension

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Indiana will play Oregon in the Peach Bowl on Friday, with the winner advancing to the College Football Playoff Championship Game.