u/Numerous-Athlete8143

I've got a few clips (maybe 30-40) of 15-20 minutes commercially produced adult content (all very vanilla, but stuff I like to retain) stored in my Google photos locked folder. Recently twigged that my female partner also could share this stuff if through partner sharing, so now she has some stuff in there too. Explicitly sexual, but 100% stuff that "authorities" would consider acceptable in the UK.

Help me assess the level of risk with this before I lose ally photos!! (I have takeouts available!!)

Wife and I are both 54. Mortgage free with a house worth c. £700k.

She earns £25kpa across two roles with a Teachers Pension since starting work, but mostly on a part time basis since we had children. Full state pension entitlement.

I'm paid £75kpa and currently have a LGPS pension being paid into.

We have cash ISA, premium bonds and normal bank savings accounts totalling £170k.

I have two private pension pots (standard life and L&G) worth £180k and £50k respectively.

I also have several DB pots:-

• £8k (current terms) payment when 65, deferred
• £21k (current terms) payment when 67 (LGPS 1), deferred
• £21k (current terms) projected payment when 67 (LGPS 2), ongoing. My rough calc is that this would be only £7.5k if I chose to stop working 7 years early (accrual is 1/49th salary per year under the CARE scheme)

Wife's DB pot is likely £8k, with an option to take some at age 60 as she gets protection from the transition to CARE.

We are planning to start putting £1200 a month from my net salary into AVCs within LGPS (my understanding is this is worth £2000 when tax relief is applied as I'm a HR tax payer, but not sure if the 40% element goes straight in or if this is just relief we'll get in the bank account after claiming through HMRC)

Using the Isaac app this week I surprised myself when it reported that there was a decent chance of an age 60 retirement, assuming that the pension + cash = £390k plus new contributions £144k could grow to a level that would cover us between 60-67 before the various DB pots plus state pension kick in. So DB would be funding £44.5k, state pension £24k, inflation protected would be £84k gross..

Cash plus pension at age 60 with a 6% growth assumption would be worth about £500k, so drawdown through that period in very simple terms could be £70k (gross) pa from age 60. Real terms spending assuming 2.5% inflation would be maybe £64k; we're pretty confident about £4,500 per month as being a reasonably generous lifestyle.

We probably do need to do something to improve the tax efficiency of our cash savings, and maybe look at the risk associated with the funds in my DC pots. And obviously sensitivity analysis for the return rates and inflation rates.

Putting aside type of fund investments (i.e. risk levels), is there anything I'm missing in the anslysis and things we should be doing now? Isaac seems to be a little more generous than the numbers I've put above.