I've heard about SIPP and SSAS before. Going into that in a bit more detail would be great. Maybe show strategies on how to allocate income to one of them and how you can invest in property using them. The tax benefits, efficient strategies etc. Great vid as always, mate.
Hi Jamie, my own personal residence is currently valued at £290k, with a £50k mortgage and I have just over £50k of savings. I’ve been contemplating for a while whether to either pay off house and be mortgage free or use the equity in my home, along with my savings, to invest in more btls. I’m 37 btw and have a family with 3 small children. The thought of adding more btls to my portfolio interests me with the obvious upside being more passive cash flow and capital appreciation. However, the risk of putting a bigger mortgage on my own property again when it could easily be paid off stops me. Would appreciate any advice. Thank you
Where are your dividends coming from mate? Is it from the global tracker? I heard the S@P 500 dosent give you a lot of dividends, might be wrong though 🤔
@@mazzgoldie9149 I own a FTSE All-World ETF (VWRL), and the I own JPMorgan Growth & Income ETF (JGGI), overall pays me about 2% per year of what I have invested.
You can make the same amount of money with dividends but tax free in the isa. I don't see the appeal in buy to let. You get taxed on the rent and taxed then you sell the property
Its all about leverage. You invest 25k in stocks you may get divedends and stock appreciation. You buy a property and that 25k could be put into a 100k property. If both investments go up 5% per year you have either 5% on 25k or 5% on 100k. Thus the reason for buying rental property.
@@1212ink from my point of view after you have paid the morgage costs and tax at the end of the year its less apart from counting the price of the property mite have rising
Which lenders will give a BTL mortgage up front, as all I have dealt with need the property to be rented out for 6 months first - meaning I have to buy the property cash....?
Precise bank, Together finance and Vida home loans but they are not always the cheapest rates. The upside is you get rent and income flowing, so then use profits to invest and get the property managed.
Hejka a powiesz jeszcze na których z tych wysp są międzynarodowe lotniska a na które trzeba promem płynąć? Btw mógłbyś zrobić filmik vlog podróżniczy na swoim przykładzie jak używać promów i jak sam podróżujesz. Dzięki 👊
APG How do people get the initial, i,e “£70k”.. after bills I’ve very little of my income left & at 45yr old would struggle to be able to fund and or reduce hours to support further education 😬
You buy an asset you can rent and profit on, there’s so many RUclips videos to educate but you’ll learn much in the doing and not just watching and reading. Just start 🙏
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Hi Jamie, I'm currently in a dilemma regarding cash allocation, I'm a home owner with a house valued at around 750k, with a 57k morgage, a btl flat valued at 65k owned outright in a ltd company currently leased to the council for the next five years with a Rental income of 5.2k a year. I have 275k in cash that I was going to buy more btls but it is becoming more of a pain in the arse hence why I leased my flat to the council for hassle free passive income, I have an isa already that I max out every year, 20k in physical gold for insurance incase the shit hits the fan and a 30k stocks and shares portfolio, were do you think the best place for my cash to be invested for a decent return and minimum agro, Many thanks.
No, I actually haven't, iv just lived on a shoe string for years and been extremely consistent with my savings, but I'm at a point were I want to try and maximise my efforts, I thought I wanted to do btl but that is a lot more hassle than you would think.
You're not that much older than me but i started my financial journey later than you. Well done to you being focused & disciplined. Ive had good experience in btl even though im at least 100 miles from my investments they have so far been relatively hands free and low maintenance. Having good tenants can save tons of £££'s, time, and headache. You mentioned being consistent with savings, how much were you saving on average each month?
investing in oneself is very expensive and risky. For exemple, there is a great ammount of people in the west and latin america that went to University and can't get a job according to their formation.
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
@@JamieYork Ps. I've completed 2 x "boring vanilla BTL" purchases in last 6 months💪 Portfolio of 3 in total now😎🤣 Tax efficiency is a king👑! Do tell me more please - I'm all 👂😄👂
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
![I.N "HALLUCINATION" | [Stray Kids : SKZ-PLAYER]](http://i.ytimg.com/vi/n5B5q1Hwt_U/mqdefault.jpg)
APG - www.aspirepropertygroup.co.uk/?RUclipsOrganic
I've heard about SIPP and SSAS before. Going into that in a bit more detail would be great. Maybe show strategies on how to allocate income to one of them and how you can invest in property using them. The tax benefits, efficient strategies etc. Great vid as always, mate.
The Vanguard FTSE global all cap for me. Spread my bets around the world rather than just US or UK.
Thanks for all that useful information. Not many people know about it.
Glad it was helpful! Thanks for watching!
Nice one Jamie, very helpful and good breakdown
Hi Jamie, my own personal residence is currently valued at £290k, with a £50k mortgage and I have just over £50k of savings. I’ve been contemplating for a while whether to either pay off house and be mortgage free or use the equity in my home, along with my savings, to invest in more btls. I’m 37 btw and have a family with 3 small children. The thought of adding more btls to my portfolio interests me with the obvious upside being more passive cash flow and capital appreciation. However, the risk of putting a bigger mortgage on my own property again when it could easily be paid off stops me. Would appreciate any advice. Thank you
What’s your income per annum?
@@peters3724 £60k
“I don’t know why I’m so aggressive towards you right now” 😂🤣
😂 sorry guys!
No mention of cgt…
CGT in an ISA?
@@posslecan’t put property in an isa 😂
please can you make a vedio about letting the property to council
I've been buying S&P 500 ETF, along with a few other global trackers for the past few years. Getting a few grand in dividends now per year its good.
How much your investment in total
Where are your dividends coming from mate? Is it from the global tracker? I heard the S@P 500 dosent give you a lot of dividends, might be wrong though 🤔
@@mazzgoldie9149 I own a FTSE All-World ETF (VWRL), and the I own JPMorgan Growth & Income ETF (JGGI), overall pays me about 2% per year of what I have invested.
You can make the same amount of money with dividends but tax free in the isa. I don't see the appeal in buy to let. You get taxed on the rent and taxed then you sell the property
Its all about leverage.
You invest 25k in stocks you may get divedends and stock appreciation. You buy a property and that 25k could be put into a 100k property. If both investments go up 5% per year you have either 5% on 25k or 5% on 100k. Thus the reason for buying rental property.
@@1212ink from my point of view after you have paid the morgage costs and tax at the end of the year its less apart from counting the price of the property mite have rising
@@1212ink except you can't offset your morgage cost and your taxed on the full amount with all the chances I can't see much profit in it.
Can you show us the £300 per month S&S route to millionaire please?
Which lenders will give a BTL mortgage up front, as all I have dealt with need the property to be rented out for 6 months first - meaning I have to buy the property cash....?
Precise bank, Together finance and Vida home loans but they are not always the cheapest rates. The upside is you get rent and income flowing, so then use profits to invest and get the property managed.
MONEY!
🙌👍
Hejka a powiesz jeszcze na których z tych wysp są międzynarodowe lotniska a na które trzeba promem płynąć?
Btw mógłbyś zrobić filmik vlog podróżniczy na swoim przykładzie jak używać promów i jak sam podróżujesz. Dzięki 👊
APG
How do people get the initial, i,e “£70k”.. after bills I’ve very little of my income left & at 45yr old would struggle to be able to fund and or reduce hours to support further education 😬
You buy an asset you can rent and profit on, there’s so many RUclips videos to educate but you’ll learn much in the doing and not just watching and reading. Just start 🙏
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Hi Jamie, I'm currently in a dilemma regarding cash allocation,
I'm a home owner with a house valued at around 750k, with a 57k morgage, a btl flat valued at 65k owned outright in a ltd company currently leased to the council for the next five years with a Rental income of 5.2k a year. I have 275k in cash that I was going to buy more btls but it is becoming more of a pain in the arse hence why I leased my flat to the council for hassle free passive income, I have an isa already that I max out every year, 20k in physical gold for insurance incase the shit hits the fan and a 30k stocks and shares portfolio, were do you think the best place for my cash to be invested for a decent return and minimum agro,
Many thanks.
Im inspired by you. How long did it take (in years) for you to get to your current financial position?
I'm 47 and been focused and concentrating on my finances since I was 28.
You'd have an advisor with this level of assets, nice flex though
No, I actually haven't, iv just lived on a shoe string for years and been extremely consistent with my savings, but I'm at a point were I want to try and maximise my efforts, I thought I wanted to do btl but that is a lot more hassle than you would think.
You're not that much older than me but i started my financial journey later than you. Well done to you being focused & disciplined. Ive had good experience in btl even though im at least 100 miles from my investments they have so far been relatively hands free and low maintenance. Having good tenants can save tons of £££'s, time, and headache.
You mentioned being consistent with savings, how much were you saving on average each month?
Money 🙏🏼
🙌👍
Money 👍
🙌👍
Money!!
Hi Jamie, how would you use £300 a month to become a millionaire?
Regards
0 on roulette. Chances are after 36 months you’ll hit…..😂
investing in oneself is very expensive and risky. For exemple, there is a great ammount of people in the west and latin america that went to University and can't get a job according to their formation.
MONEY 🤑
🙌👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Apg
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
MONEY
🙌👍
Money Money Money :)
🙌👍
apg
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
Money money money
🙌👍
Money, tax & APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Tax free thanks
🙌👍
tax free... thanks
🙌👍
FTSE100? 😂😂😂 10% total return over the last 5 years
TAX FREE
Tax free
🙌👍
Tax free!!
Money🫡
a 100k house lmfao, the thing is most people dont have 70k laying around so this whole video is nonsense to the avergae joe in the UK
Hi, average Joe here. I’m now on my 9th buy to let
@@joey-pn3xe sure u do.
Money 👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
MONEY
🙌👍
Money
🙌👍
Apg
Thanks! Head over to: www.aspirepropertygroup.co.uk/?RUclipsOrganic
TAX FREE
Tax free
🙌👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
MONEY
🙌👍
Money
🙌👍
Tax free
🙌👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
Tax free
🙌👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
Tax free
🙌👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
Tax free
🙌👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
Tax free
🙌👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
Tax free
🙌👍
@@JamieYork Ps. I've completed 2 x "boring vanilla BTL" purchases in last 6 months💪 Portfolio of 3 in total now😎🤣 Tax efficiency is a king👑! Do tell me more please - I'm all 👂😄👂
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
Tax free
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
APG
Thanks! Would be great to work together! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
Money
🙌👍
APG
Thanks! Head over to www.aspirepropertygroup.co.uk/?RUclipsOrganic and fill in your details, and a member of my team will be in touch! 😊
money
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Money
Money
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LFG!