Money Expert Martin Lewis Reveals How Much You Should Put In Your Pension | This Morning
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- Опубликовано: 22 янв 2024
- From busting your bills to dealing with your debt, Martin Lewis is here to help get your finances back on track.
Broadcast on 23/01/2024
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My spouse and I are VERY worried about our future, gas and food prices rising daily. We have had our savings dwindle with the cost of living into the stratosphere, and we are finding it impossible to replace them. We can get by, but can't seem to get ahead. My condolences to anyone retiring in this crisis, 30 years nonstop just for a crooked system to take all you worked for.
I feel your pain mate, as a fellow retiree, I’d suggest you look into passive index fund investing and learn some more. For me, I had my share of ups and downs when I first started looking for a consistent passive income so I hired an expert advisor for aid, and following her advice, I poured $30k in value stocks and digital assets, Up to 200k so far and pretty sure I'm ready for whatever comes.
That's actually quite impressive, I could use some Info on your FA, I am looking to make a change on my finances this year as well..
My manager is Sharon Lee Peoples. You can look her up online..
I appreciate it. After searching her name online and reviewing her credentials, I'm quite impressed. I've contacted her as I could use all the help I can get. A call has been scheduled.
I copied her whole name and pasted it into my browser; her website appeared immediately, and her qualifications are excellent; thank you for sharing.
Growing up and looking up to Batman, then realising this guy is the real superhero.
Dave ramsey is better for the normal working person
Martin Lewis turned into Tyson fury at the end there 😂
Martin teaches us how to pinch the pennies while government squanders our billions in the form of tax mis spending
Country is not cheap to run
They're more interested in foreign countries and foreign illegal immigrants than their own native British people.
@@carlyndolphin But with proper taxation is would be easy to run.
@@amandahunter4034 i’ve been to some of the poorest countries in the world, people don’t realise how good the UK is
@@carlyndolphin And it should be good given the massive taxation we pay despite many thieves in government either stealing it or wasting it !
Martin Lewis is a national treasure
in 1986 I left school and got a YTS job at Marconi. They had a good pension scheme. I left in 1991. So after 4 years only I`m got my statement and it`s worth £103,000 today.
I worked for 5 years at a company and I got an estimation of annual income at retirement of £29 per year???
They must of invested your pension in bit coin.
If your contributions came to say £25k over those 5 years, it wouldn't be unreasonable for it to have quadrupled over 30 years. The amount of pension scheme that have simply robbed customers over the last 30 years is obscene.
@@Weakeyedominant yes I do remember it being somewhere near that amount after I got compensation for it being mis-sold.
Averaged about 5.5% compound / 3% above inflation for 35yrs. That’s not for off a 60/40 portfolio, bonds is about 2% and equity about 6% so your in the mdddle and imagine is risk free ! It’s the 35yrs that’s important and why it’s so big.
@@coderider3022 thanks mate. :)
Martin is fantastic!
Re pensions, I currently put 20% in mine at age 39. Why I’m sharing is because what I’ve done seems pretty easy in my mind: when you get a pay rise, or a bonus, as long as you don’t need the money right now, just up your pension contributions.
You don’t notice the pay rise missing because you didn’t have it before. You don’t notice the bonus because you didn’t have it before.
I completely appreciate this won’t work for everyone, and that sometimes you will want the pay rise to keep up with inflation etc. it’s just a consideration, a mindset shift too. It’s taken me 10 years to get it up to that number from 6%.
Hope this helps 🙂
Spot on. That's what I did and have managed to retire at 55.
I was thinking of doing this myself. Believe I can do this via nest website. Still pondering it tho. Should I do it ?
It's certainly worth looking into.@@Pinkyandthebrain290
I am 43, my employee and me put in 35% together and I’ve been doing that last 5 years, prior to that I was putting in 12 to 20% since the age of 35. Prior to that I didn’t put any but I have a small property worth £100k paid-off. However I have a mortgage now and an expensive car and car loan and spend a lot on clothes, shoes and vacations which I have sworn to change in 2024 so I can pay-off my car loan 2 years ahead of schedule.
Why do you have a mortgage now?
@@jgig9414 i have one house paid off, one that has a mortgage running with a £100k equity in it but I have an interest only loan on it.
You mean your employer and you? 35% is a lot, not many people can afford to put in so much.
@@jgig9414 its a 2nd property on which I have an interest only mortgage that I purchased in 2016.
Car loans and buying things you don't need will make you poor. Eating out is also one of the biggest drains on wealth.
Everyone should check their pension and make sure they aren’t just in the big standard one their supplier puts them in. If you are you could be losing out on life changing sums money. It’s ok saying put it in your pension but you need to know what your options are regarding different funds
this is great advice. I did the same at work and followed suit. over 5 years a 70% deal
from my understanding sharia and high risk are best if under the age of 27
@@porto1st it doesn't need to be high risk, US passive investment funds have the same fees as UK passive investment funds but have massively outperformed the UK over the last 10 years due to Brexit and the UK reliance on traditional non tech related companies in the FTSE100.
It could be argued that US tech companies are severely over inflated but they always seem to keep growing.
@@Weakeyedominantno they only better 55% of the time and volatile. Having natural dev world is better
Looking at the recent news about how much you need to put into a pension to have an even vaguely comfortable retirement (assuming retirement even exists in 20 years) good luck to anyone who can put in enough these days. Relying on the state pension is dangerous. Perhaps top it up with a private pension if you can afford to put enough in. Otherwise, retire even later and keep working if you can.
Diversify. 8-10% in pension and then some in an index fund like the S&P so that you don’t need to wait until your late 60’s to withdraw although I’m aware that you can withdraw a percentage of your percentage in your 50’s
You can access your personal pension at 55 (soon 57). It’s your government pension that you have to wait till your 60s for. And personal pension saving v. tax efficient.
You'll need more than 10% in a pension going forward.
@@albedo0point39 You’re gonna lose the compounding interest if you withdraw early
@@TheUnluckyGama Very true. My employer also contributes so I’m getting 18% but that’s definitely not enough which is why I diversify in stocks, index funds, Bitcoin, ETH, property and Gold.
@@swanseawales1979 That's fine if you can afford to lose your capital when those stocks and shares crash.
Paid my mortgages off straight after lockdowns as I thought there’d be rocky days ahead. Glad I did.
In hindsight that was a bad decision as the S&P500 has returned 80%~ since Covid, so you could have x1.8 your money. However, nobody knew that and it's always nice to be debt free. Just found it odd to say you were glad at that decision.
It's not odd at all. Like you said, nobody knew. It was hindsight. S&P would have been a risky investment with no guarantee of returns. Paying off his mortgage has a 100% guarantee of returns. Any money he would have paid to mortgage is profit@@noza2003
We also paid off our mortgage a few years prior to the pandemic. Best decision we ever made. Don’t give a flying toss whether we could have made more money gambling on stocks and shares. The peace of mind has been wonderful as we’ve seen so many people stressing endlessly about interest rates.
I started my craft apprenticeship at 19, and started paying into my pension at 20. My company matches up to 8%, and I pay in 10%, plus £100 a month into a locked limited access account. I would much rather have less money now to be more wealthy in my retirement years.
I train so many apprentices that say they will leave paying into a pension until they're older, and I always try to give them similar advice to start as early as possible.
Very wise decisions Owen and working for a company that matches contributions to 8%…. Is almost unheard of, you and the employees of that company are very lucky
Wealthy but frail with a fraction of the energy you have now?
All id say is squeeze enjoying your youth and prime years
@@CTembo I doesn't have to be either/or, a split of 60/40 (even 70/30) in fun now/pension savings could mean the difference between a comfortable retirement or wearing 4 layers of clothing inside your house in winter and struggling to catch a bus to the hospital when old and frail as opposed to not giving a toss about heating bills and driving your own car to hospital appointments.
Crazy not to take the tax benefit.
It really doesn't matter if you're doing well or not so well....manage your money properly. Lots of bleak outlooks in the comments but life changes constantly over the decades. Dont be profligate with your money no matter how little you have, as the years go by you'll be very glad you did.
I have a state pension and a smallish private pension. From April I will get £60 a month extra. Not moving the tax threshhold has led to my personal pension being hit with higher tax, about £20 per month. Our energy bill is £80 pm higher this year and our council tax is due to rise £15 pm (for simplicity let us leave out food, dental and spectacle expenses and travel, etc) Sunak and his moorons tell us they have reduced our tax bill. Give me strength!
In the last two years my small private pension tax allowance has gone from 400L to 10L and my new one will be K91 . Most of my state pension increase has been taken back via taxes
I’ve been pumping up to 85pc into my company pension. My income tax for months when I do is MINUS £150ish. That’s the way to do it
can you elaborate ?
That's not the way to do it
You could be 6 feet under before 60
@@SEANPOL203 and statistically you won't be. So good luck from 60 to 86.
@@jamesstilwell26 , I’m sure you don’t genuinely wish me any luck
Martin is brilliant, and he gives everybody great advice , when you say martin name in any bank ,total respect right away
I PAID INTO INTO A PERSONAL PENSION MANY MANY YEARS I ALSO HAD ADDITIONS TO MY STATE PENSION THIS IS NOT TAXED . MY PERSONAL PENSION TAKES ME OVER THE TAX POINT WHICH I THINK IS £11,500 SO I NOW PAY OVER £1,000 INCOME TAX. ARE PEOPLE AWARE OF THIS
You save a bundle of tax by using a pension and pay a small fraction when taking it out - most people are aware of this.
Stop shouting Brian
All pensions are income so are taxable. You don't pay tax when you pay into a pension (paid gross), so then you pay tax when the pension pays out. What's wrong with that?
@@kevinsyd2012 it's tax deferral, but with 25% free. That's a good deal for a higher or additional rate tax payer. If they can pay around 15% when they're retired.
This new presenter doesn't pay a mortgage
I’d always pay my mortgage off before savings if I had the money. The security of that is worth any potential loss in interest. One can then invest aggressively with the income freed up by not paying a mortgage each month.
Exactly what I'm planning on doing.
@@kinggeoffrey3801 I'm in the same boat, I know the maths suggests otherwise, but know full well I either wouldn't invest with the discipline I should or would be the kiss of death on any pension fund.
The issue with that is investment has to be done in time, because when talking about investing is more for how long that how much. Although, putting big sums for a decade for sure is not going to be a waste.
0:39 oh dear. Head in hands.
So, does he do advertising or not?
I think he was very clear about that.
I don’t think he could have been clearer regarding that..,,
A plain English NO would have helped. But the answer was drawn out … that’s martin l ! 😂
Brilliant advise.
is there a limit to the half your age as a percentage idea? Surely someone couldn't just wait until they are 68 and then pay in 34% of salary for a year before retiring.
Unless you are earning more than £260k then the limit is now £60k a year into a pension. It was £40k until this year. And you can carry forward three years of unused allowance. You are also limited to 100% of earnings. So yes, you could pay in 34% of a salary of £176k at age 68.
It’s a rule of thumb. If you start when you’re 18 years old you don’t have to stick 9% from the beginning likewise if you wait till you’re in your 60’s you’ll have to put WAY more than 30% in. It’s a rule of averages for the average person who isn’t putting enough away.
@@bfab7036 Irrelevant for 99.5% of people.
But does Martin do adverts ?
Whats the hosts name?
The problem with pensions is you need the money now and you may never see the pension benefits anyway, so many conditions
Im shocked as i do put more than the rule into my pension! I get 22% put in from me and my company! 😂
This msn is worth his weight in gold.
I was getting nervous until he said "pay off your mortgage". If you can I would always say it is the better choice than to remain in debt and continue paying interest.
I’d say pay off as much as you but make sure you retain 3-4 months of income so you can survive an emergency or job loss.
Any brains in the host?
Pretty Blonde! Need I say more
Everyone has to spend their money, people can't afford a pension with how things are now
why pay into a pension when you can pay into S and P 500 for higher returns.....
Because you can invest your pension into the S&P if you want. So you get good returns plus get the uplift of tax advantage.
Wind rain or shine. I put £700 into a SIPP per month on top of other pensions
Hope it's enough......
i wish i had that much to put away each month.
Hope you don't die before pension age. Think about putting your money into something liquid instead if you already have a pension(s).
@@dw300 why does it matter if he dies before pension age? Not ideal, sure, but what do you think happens to the pension?
@@dw300 I have a list of loved ones to inherit my sipp. And a will.
Talking about dying before accessing a sipp! The best thing is to look at NHS workers, they don’t retire till 65, plenty of them have a low quality of life due to the work they do. And many don’t live past mid 80s
I'm paying 10% my company pay 7.5% is that enough?
Depends on how much money you will need in retirement and how long until you retire, but sounds like a good amount. I just retired and at the end I was paying 25% and company was paying 9% 😊
I'm paying 6.5% to the main pension & my employer 8.5% then another 10% in a seperate AVC
I will.say its a decent pension offer far better than the government pension
No, you’re broke
@@michaelhutchinson2854 yes
It's crazy, I've had those deepfake ads showing Martin and RUclips and Facebook both claim they don't go against their standards. Crazy!
the real answer is nothing if you can. Just another way for them to steal your money
It doesn't matter how much the government or financial experts advise us to save for retirement. The vast majority of people just don't have the spare money for that given low wages and the high cost of living. We have to use the money we have in the best ways we can now, and the promise of deferred gratification isn't part of it. Any look at how pensions have devalued over the past 10 years shows that it isn't worth scrimping to throw money at a possible retirement. Even public sector jobs have only had defined contribution schemes for the past 20 years, where retired employees only receive a retirement income based on the length of time they worked there, and with constant redundancies that's not much. For people who aren't yet retired, unless you're already well-off, there's no point in knocking yourself out saving money in the hope your retirement will be comfortable. For most of us, myself included who is almost at retirement age and has worked all of my adult life, there won't be such a thing as full retirement.
😂🤦🏻♂️
Some people always find a reason to spend everything they earn, then complain that they are unable to save for their future.
Spot on ,
So wrong I almost don't know where to start. Average lifespan for a woman is 84, for a woman who is already 60, the cohort lifespan would be 87. If you want to live on a pension of £10k/year with no other income (assuming no company pensions) for 20 years then go ahead and follow the OPs advice. DB schemes (she wrongly labels as DC further eroding any credibility on her text) have been around for decades, even private sector ones, although private sector ones are almost like hen's teeth now. I had a private company DB scheme in the early 80s. If she put the equivalent of £50/month away for 40 years (increasing with inflation) from the age of 25, assuming starting now, she'd be sitting on around £100k lump pension sum (£25k tax-free) which should be inflation proofed due to increase each year in contributions.
Pay yourself first.
Fake question! He already knew the question. Lol. And knew she had asked it in the wrong way. lol
6:41 he pretty much described the Tories and their friends.
Politicians in all parties fit that description nowadays...
Always pay the mortgage off in full if you have the money 💵
Bad advice. If you can make more from savings than the current mortgage interest rate you're effectively losing money by doing this ^
As little as legally possible. Better to manage your own stock portfolio with an even split of index funds, individual stocks, and stable commodities. You'll earn 100% for every 10% a government pension will pay out by the time it comes to retire, lol.
pension tracing service useless now what
Hi I’m a working pensioner working under umbrella company paying tax but no employee National insurance but paying employer National insurance is that correct
Under class A employee , yes that would be ok. You’re probably between thresholds of 750-1k a month. Where you pay employers but not employees
Thanks for the info much appreciated
when is someone going to deal with the fraudulent charge in council tax bills that was imposed by this government in what they call adult social care. nothing to do with social care it should be directly related to the health service its a fraudulent charge they played around with the regulations in 2017 and instructed the authorities as to how the charge should be displayed and it has been done using fraud' NOT for any year has the charge been displayed where it is correct . I, as has everybody else who pays council tax has been overcharged every year. 2017/18 it was increased by 103% up until 2023 the actual figure i have been charged is £804 the charge that is shown with the % increase is only £103 NOT TRUE we cannot trust anybody in the false accounting office in NUMBER 10. Why do people not check their bills and complain to their MP. I wrote to the leader of North Yorkshire County Council in 2018 and complained. He never responded he would have had to tell me untruths
Whatever you do, make sure you don't have enough national insurance stamps, I have full state pension my mate Sid hasn't, I pay for eye tests glasses and all dental work he gets that free and is £11 a week better off than me, sometimes think Martin works for the government.
Zero is how much my wife just got her NHS pension letter which she gets yearly they are now taking 80 pounds a month the triple lock wiped out so what is the point.
ha that lady presenter at the beginning providing absolutely no context to the question and not realising how ridiculous she sounded - clearly doesn't have a mortgage!
Clearly, she hasn't a clue about the topic. Just stand there and look pretty 😂
He financial advisor
No sorry
Sian is hot!
but not very bright
@@MrBerry67 part of her job description. Like her predecessor.
Anybody else think that’s there’s always an excuse,why we are in crisis. Something smells funny!
One major issue with this programme , shuck is one quick turnoff for me.
Every time .
It’s when the question is answered and I’m trying to read it . The camera man Always turns to the audience or Martin .
The answers are so quick one can’t simply pick up the answers . For goodness sake .
SLOW DOWN MAN AND GIVE US A CHANCE TO READ THE BOARD ..
They should make a pause button
Can she be anymore serious?
Before you listen to TV personalities or TV "experts" talk to several actual financial experts before you do anything. Martin Lewis advice has no consequences for him . Beware celebrity advice...
She’s 37 ! 😳
Well my daughter's neighbour has been scammed by 'Martin Lewis '. It wasn't him but it was made out that it was. It was if he paid this money in it doubled and basically he lost £1000.00. Also this false site said to not tell anyone about it because 'everyone' will want to do it. I can't believe her neighbour done it, I mean he's about 60 years old. He was going to the bank to tell them,thats the last time I heard about it.
It's not good advice to pay off your mortgage early
If you have the savings to do it with money to spare, then it is 100% the right thing to do. Otherwise you end up paying 10’s of thousands to the banks in interest. It’s throwing money away. My mortgage is £574 per month and the interest is £378 per month slapped back into it. Can’t wait to pay mine off early. What benefits are there for paying the entire term? For paying £400,000 for a house worth £250,000?
If that spare money gives you a higher return than the interest you’re paying for your mortgage, then you’re better off investing that money.
@@Discombobulate453 You didn't factor in opportunity cost of the extra money you put in. As mentioned below, you want to continue to borrow against the rising equity of your house and invest that money into something that gives a return higher than your mortgage rate.
I agree. Mortgage is not a debt like any other, it's a very long term repayment of an appreciating asset - a property. It makes no sense to repay the mortgage early.
@@Discombobulate453 Yes, but mortgage interest is lower than almost any other type of loan. Why would you want to pay it off early? And properties appreciate in value, unlike cars, for example. It actually makes more sense to continue paying a mortgage, unless you're concerned you'll be too old when paid off, in which case pay off some of it.
Retirement is now more difficult than it was in the past. I've been saving for a long time instead of investing, and right now I only have about 200K. considering all the inflation, i'm thinking of investing in stocks, i dont just have idea on market strategies.
No one does, anyone that tells you are lying or delusional. Can’t predict future and that’s the skill you need. People that don’t know what their doing go to the likes of vanguard and get a target date fund or life strategy based on risk profile, timeline and objectives.
England is finished
I’m 50 I have no private pension, I’m mortgage free I don’t have any debt worth shouting about. I own my own business so I invest my money in to my own business, ok I pay tax on the profits but the percentage rate I can earn myself is way better than any pension or other investments.
Martin Lewis has had hair transplanted hasn’t he, you can see it.
Also Martin Lewis says there is light at the end of the tunnel for people in debt, No there is Not for everyone it’s easy for him to say!
That’s the mentality that keeps you poor. Harsh but true.
He should be knighted
his generic personal finance advice is good for beginners, but ignore everything he says about mortgages, he probably hasn't had one in a decade and he is NOT qualified to talk about them. Talk to a mortgage broker and get proper advice.
Why isn't he? His advice is the basics and you don't need much more than that. Unless you're financially savy his advice is best
He’s not wrong about mortgages though, so why can’t he share his opinion? He’s right, with these crazy mortgage interest rates, it may work out better to overpay your mortgage, especially if you are older and approaching retirement, merely for stability.
They only give you options. You make the choice.@NathanGautrey
His thinking is good for financially less literate people so they don't go broke. This is not how wealthy people who can manage debt behave though. You won't get richer listening to Martin, you'll just reduce your risk. You want to have debt at a lower rate than you can invest the money you borrow. If you have all your money locked up in the house, you can still feel very poor. @@leahmcdermott4189
Jeez, I don't know how any one can watch his show! What a headache it caused, just 5 minutes of it hurtling at you 100mph😮. You don't need to cram so much in. That's not good show production. No thanks! QUALITY NOT QUANTITY☹️!
lol I've watched him since I was 15 on 2x speed. know most info now but good to recap quickly!
I mean... you can literally hit pause....
Martin is good but not as good as he or the TV companies think
Suprised ML hinted the lady shld stay in debt vs paying mortgage off. Debt keeps you in poverty and he hints at chasing savings ates vs clearing your biggest debt strange. ML seems to have seen sense at the end saying if she wants to overpay on mortgage she can. Ppl hang on this guys every word sheesh. Follow Dave Ramsey channel and incorporate baby steps, in her case keep £1k emergency fund + 6-7 months of savings set aside eg £15k and plough the rest to pay down on her millstone debt £52k off her hse equals lower mortgage payments then overpay on that each month with the extra disposable income she cld clear house in 2yrs debt free lemon squeezy. ML advice was below par here never chase savings rates vs clearing debt.
He's just saying that going by the numbers it COULD be more worthwhile saving while rates are high vs paying off the mortgage, as long as she's ready to invest the time and energy to chase the best rates. And he's right, if she has plenty of disposable income to save, she possibly can save more away from the mortgage, than she'd have to pay in the slightly lower rate fixed mortgage she'd get. It is a very very specific and personal situation though and if she's not up to doing the maths and sticking with chasing the best savings rates, it's not worth it - as he said.
I was very lucky to pay off mine a couple of years ago having scrimped and saved (not a good time for savings rates) prior to remortgaging. I got a 5 year fix with the facility to overpay by up to 1k per month and i threw as much as i could, every month into that thing until it was paid off and i'd done the maths, so i knew i would pay it off JUST after the fixed term ran out, before i went back onto their standard mortgage rate. If i was in the same position now, with those 5 years to go and knowing i'd have that level of disposable income to throw at something, in my personal case and knowing i could deal with the maths and the switching and stick to the plan, I would currently play the savings game and make sure i could pay that sucker off out of my savings by the time the 5year fix ran out. But that's me. With the level of debt i had. One size would not fit all. It's really difficult for him to advise on this stuff without having all of the variables.
My mortgage is 1.6% No way am I taking money out of my savings account to pay it off.
@@sorscha1308 Key difference was the caller was in a position to clear her debt entirely or make a serious dent in it, as long as she retained funds to cover 6-8 months living expenses and emergency fund pay down on that sucker. Debt is debt and will if you let it chip away at incrementally for ever, simply if you can pay it off do so and stop chasing savings rates once paid off you can save until your hearts desire. Mindset is key and most ppl wld prefer to pay minimum payment for term of loan and that's how they get you as most mortgages you pay more interest vs principle in the early years. She should pay down and get rid of ostensibly her biggest DEBT and it is a debt and once you wrap your head around that you can be free. Let's all go off the hamster wheel of debt.
@@LeeThomas-1 You do you just saying six pennies worth.
Why watch Dave Ramsey? He’s American. He has no clue about UK interest and mortgage rates. Ramsey is great if you’re an American
He’s a fraud. Martin is never going to tell people that our whole fiat monetary system is a scam.
Martin Lewis is not regulated by the FCA. He can give his opinion and if its wrong you have no comeback!
Remember this is the same Martin Lewis that told everyone a while ago NOT to fix their energy costs for the future.
Bear that in mind before doing anything he suggests...
Because not fixing your energy costs back then was the smart thing to do. Energy prices were all over the place. Do your own research. Martin is there for people that can’t be arsed to research for themselves. Harsh truth.
This guy is like a mosquito hes annoying and just wont go away
He’s the people’s mosquito and he fights for your finances
@@FMJ777 Aye. He's fast talking because the time slot given is limited to cover a lot of ground but he usually does make sense :)
I used to feel the same but realise now how much he cares about fareness and your rights
And yet you chose to come here.
Wrong. If people like him go away we are left with mouthpieces that echo what the government and papers say. He looks out for people in the UK and is a national treasure.