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Pension Forecast provides information and guidance comprising third party content, journalistic comment and tips. Nothing on this site constitutes specific financial advice or a recommendation to buy financial, legal, tax, property or investment advice (as governed by the Financial Services and Markets Act 2000). Advice should always be sought before acting but any direct third party contact, advice received, tips for purchase with professionals, service or product providers, is at your own risk. The value of shares and investments can go down as well as up. The FSA does not regulate credit cards, will writing and some forms of mortgage and Inheritance Tax Planning.