Видео

Hit 250k today. Appreciate you for all the knowledge and nuggets you had thrown my way over the last months. Started with 24k in August 2024..,.

What do you think of global ETF ?

I would never invest in a Vanguard Life Strategy fund, they are too heavily weighed towards the UK. Around 24% whereas the UK is only about 3.9% in world funds.

I'm 54, retired, and I've had my money in S&P 500 funds (100℅ stock) since I started investing. I have made a great deal of money with my FA Kathie and I see no reason to change. The S&P 500 has made an average of 9.8% returns over the past 100 years. International and Bond funds are losers in my opinion because they don't make much money. This is just my amateur opinion which may not work for everyone

I partial transfer my workplace pension that has low performance to a SIPP regularly - keeping my workplace pension active with employer contributions. My SIPP is all in Vanguard FTSE Global All Cap and growing so much better than workplace(Adventurous level) pension. Leaving me plenty of time to go running 🙂 S and S ISA's are more disorganised with a few global ETF's and tech, semiconductor and defence ETF's sprinkled for a bit of healthy anxiety

The Market have been suffering over the past month, with all the three indexes recording losses in recent weeks. My $400,000 portfolio is down by approximately 20%, any recommendations to scale up my returns before retirement will be highly appreciated.

My workplace pension is changing to Scottish widows now and I need to select where to invest my money. The stronger growth come from a shariah law fund at almost 40% last year growth. I am not Muslim but this is the best performing fund out of the 30 I can choose from. Any views please?

I have kept it simple. 3 funds, 1 world, 1UK and 1 bond. I know I am over weight UK, about 4x, but I am fine with this.

Having multiple funds to similarly (not exact) replicate a global equity index for a fraction of the cost. You can get as low at 0.06% TER

bonds offer poor returns over 10+ years horizon. They are more useful for shorter time horizons where you dont want the volatility. But for 10+ years, the data proves that bonds are a very poor investment for the long term

I’m 100% in on Trump Media and Technology Group and Crypto! 🚀

not every workplace pension schemes have hundreds of funds to choose from. I worked for a large corporate & they only had 2 lifestyle funds - neither of which provided very good returns due to overreliance on bonds and the UK market.

Great video Diane. I've recently just changed my portfolio to a one fund approach, from having four funds previously. I was finding myself tinkering with it far too much, so ditched three, and switched the one remaining fund to another provider that isn't as easy to access, so I avoid checking it all the time

The problem with the vanguard 80/20 fund is that it has 19% in the uk index market, when in reality the uk makes up only about a 4% of global markets. Why this is,I have no idea. Hence I prefer just a global tracker plus a bond/ money market fund on the side.

One lesson I've learnt from billionaires is to always put your money to work, and diversifying your investments. I'm planning to invest about $30k of my savings in stocks this year, and I hope I make profits.

lifted mine before these money grabbing clowns come for it

Informative and helpful so thank you. I, like many others nearing retirement will be closely listening to persons with your expertise following the upcoming budget…

Diversification - the only game I town. I’m a big fan of using investment rusts that hold diverse assets or hold several different ones. Look forward to the next video on this.

You can't beat the S&P500 - even Buffet himself says this! Great video as always!

I know nothing about trading /investment and l'm keen on getting started. What are some strategies to get started with?

Much better.... Looking good 😉 will be good to see the next vid 🙌🙌🙌

its a benefit weve paid for, for 50 years

Some good points, but opting out would never work. It is a benefit no doubt. I think if for the top 20% the state pension makes up 23% of their income so basically their income, with out state pension is about £38,500, that is quite enough to live off. So a good cutting of point is say 35,000-40000 where you would lose all your state pension when it is means tested. We have done that for child benefit and no one here is grumbling. It will have to be done by one government or the other since the birth rate is falling. At present we have 5 workers to 1 pensioner, by 2050 2 to 1, so the current system is unsustainable, especially when you take into account the cost of an ageing population. Interesting to note the Tories 2024 finance bill, which never became law due to the election, gave the government powers to look at the bank accounts of all benefit claimants. It was suggested by some it was not just about fraud, but an opportunity to start looking at means tested state pension. All parties should get together to spell out the truth to the next generations, the state pension is likely to be for the poorest only and to survive well you better get your own pension going, while you also grapple zero hours contracts, rent crisis and housing crisis which when all put together make it so easy to plan ahead and by the way also pump out a few children (cost to bring up a child £160,000, but maybe be better put in your pension pot).

WTF is a money coach? I coach my 9 yr old. Does that make me a money coach?

what about the amount you get v the time you worked as i am on yr 50 nxt yr for the same pittance

If they did meddle with it I would lose much incentive to save for my future retirement. What’s the point? They would just change the rules and raid it in future. Trust will have evaporated. Millions will instead just live for the day. Blow their money and rely on the state.

Its quite funny hearing the state pension called a benefit, never in my life have i heard it called that until recently which shows exactly what their plan is.

So will it be best to use all your pension money on what ever u want then just claim for everything when u have no money !

My colleagues seem to be retiring to get their hands on the Tax Free cash despite having no plans of what to do with it. I just hope that on October 30th they aren't shown to be the wise ones while I am still adding (significantly) to my pension in my sixties

Another reason regarding No.2. Once in payment a large chunk of my DB pension will only increase by 2.5% a year. Even if inflation is 10% a year. Check your scheme details for similar rules which are all based on legislation introduced by Gordon Brown. There is certainly no "Triple Lock" in company DB schemes.

Getting hold of the tax free cash seems to have been a major factor in now retired colleagues retirement plans. After taking it it was burning such a hole in ones pocket that he upsized his house (which was probably a better idea than spending £60K on a new car like another did).

Divorcinĝ nhs pension cetv worked out scotland. Should i just take 95 scheme r asap and use petv to divide pension

The big shock is this is not already in force the past 20 years

You are entitled to your state pension at 67 as long as you payed your national insurance.

I don’t understand this. I thought they already did and have been doing so for years.

If you means test the state pension, people wouldn't bother to pay into private pensions, as it would limit their return, as you say. Personal pensions aren't currently compulsory, but don't put ideas into their heads!

This is another invasion of our privacy. Isnt it bad enough already with our phones tracking us, cameras everywhere, alexas listening to you and that smart tv spying on you. And when they do away with cash they'll log everthing you buy too.THE DYSTOPIAN STATE IS COMING.

Fear monger.

Throughout history, mankind buried their treasure. Provided the location was never revealed, owners knew their wealth was safe. From time to time, they would have dug-up some of it. The rest, they kept buried. Centuries later, the treasure might be discovered. But that is no concern to the man in his grave.

They are already doing this, we had a review of our benefits/pension and we had to provide bank statements and PayPal statements because they are looking for hidden savings. It's terrible that they do this under the threat of cancelling payment if you don't conform. Yet again the goalposts are being moved against the elderly. No such reviews and evidence of identity and Bank accounts are made to the millions of immigration legal and illegal for them it's just given, give, give. It's persecution of their own citizens and discrimination because migrants don't have this information especially the illegal migrants.

😅what has my state pension got to do with state benefits, I don't claim benefits so why should I pay tax on my pension😮

The title is misleading if the facts were published it would read these checks are about the benefit system & fraud nothing to do with pensioners bank accounts anyone claiming benefits who have over £16000 in their account will possibly have their benefit stopped & its plausible a majority of older generation pensioners won't have that amount or be entitled to any benefits & I am one of those pensioners !!

If IHT protection on unused pension fund and/or reduction to Tax free cash limit currently £268,000 appears in this years budget in a few weeks time, please will you put an updated video out ? Thanks.

A DISLIKE BECAUSE OF THE OBVIOUS ABUSE OF A STATISTICAL ALGORITHM.

Nice but you didn’t mention inflation hedge. If we place the whole 100% into an index linked pension then if we do have a period of high inflation it’s far more advantageous than having inflation eat away the real value of the 25% we took out. Naturally this is only a consideration for those that don’t have a need for the tax free lump sum.

Take it! I’ve taken it from one of many larger pensions (I’ve a few pensions taken when I was a teenager and more along the way) and I’m no where near retirement age. Since I retired early my partner and I have lost many friends to cancer, Parkinson’s etc, some as young as 30, others in their early 50’s plus, never to enjoy their pension, free time or spending their pensions with their families. It’s rare to see people live past 80 these days. We want to enjoy our twilight years, spending time doing what we want and buying what we like, not leaving it to others.

No IHT under 75 for pension schemes left to someone else? Not for much longer.

IT IS NOT A BENEFIT!!! IT IS OUR OWN MONEY WE HAVE PAYED IN ALL OUR WORKING LIFE🤬🤬🤬🤬🤬 FFS!! STOP GIVING OUR MONEY TO FOREIGN COUNTRIES AND USING OUR MONEY TO PAY FOR ILLEGALS COMING IN IT IS NOT YOUR FUCKING MONEY IT IS OURS!! THAT IS THEFT ON A GRAND SCALE AND YOU HAVE GOTTEN AWAY WITH IT FOR YEARS. WHY DO YOU THINK YOU HAVE THE RIGHT TO TAKE IT IN THE FIRST PLACE FFS???????

Good video…. One piece of well meant advice… sit on your hands.

Take the tax free option, you never know when your life time bomb is going to end, I am now 52 and will retire at 55, I don’t have a lot of money behind me to live a luxury lifestyle, but I want to enjoy this time of my life and enjoy the things I love to do!