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Hello I took the initial Fool advice about 10 years ago & invested in a tracker ISA & pension. Although I don't have much in my ISA I have built a fir pension pot over the past 10 years with modest monthly stop start payments. I chose Virgin & remained with them even though I am paying 1% a year higher than other I know, but I have found them to be good. I have now opened up a SIPP & am planning to transfer my pension pot & invest directly into shares & a cheaper tracker/s.

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