This lady could read me the phone book and I would listen. What a wonderful speaking voice.
@Richard-q1
Ай бұрын
Amazing video, A friend of mine referred me to a financial adviser sometime ago and we got to talking about investment and money. I started investing with $150k and in the first 2 months, my portfolio was reading $274,800. Crazy right!, I decided to reinvest my profit and get more interesting. For over a year we have been working together making consistent profit just bought my second home 2 weeks ago and care for my family.
@Marten_t
Ай бұрын
Hi. I’ve been forced to find additional sources of income as I got retrenched. I barely have time to continue trading and watch my investments since I had my second child. Do you think I should take a break for a while from the market and focus on other things or return whenever I have free time or is it a continuous process? Thanks
@Richard-q1
Ай бұрын
@@Marten_t However, if you do not have access to a professional like Clementina Abate Russo, quitting your job to focus on trading may not be the best approach. It is important to consider all options and seek guidance from reliable sources before making any major decisions. Consulting with an AI or using automated trading systems can also be helpful in managing investments while balancing other commitments
@Marten_t
Ай бұрын
@@Richard-q1 Oh please I’d love that. Thanks!
@Richard-q1
Ай бұрын
@@Marten_t Clementina Abate Russo is her name
@Richard-q1
Ай бұрын
Lookup with her name on the webpage.
@kingster2069
3 ай бұрын
One of my biggest pension mistakes is thinking my current employer was going to pay 3% into my work based pension as my previous employer had. It took me over a year to notice their contribution was half my previous employer had been making. This wasn’t made clear and I thought 3% was the minimum allowed
@malvanlondon8683
8 ай бұрын
Another helpful video, Dianne. Many thanks. Merry Christmas to you and best wishes for 2024. Possible topics I'd like to see you explore in future videos: 1) Re-investing dividends vs realising the income (into one's bank account). What's a good strategy if you're decades away from retirement, and what about those nearing retirement? 2) How much you are allowed to put annually into SIPPS? I thought I could put a lot in annually - but found out (I am self-employed by the way) that not all income types qualify! It's a bit confusing. 3) The ISA changes need some un-packing. For example, what's all this the government are saying about (next year) being able to spread your ISA among different providers? Sounds complicated! lol.
@aficio698
8 ай бұрын
Charges - NEST From memory 1.8%. The narrative on the web site claims this is good value!!!!. The problem with pensions is a lack of engagement and education with young people. A time when the greatest gain is to start early. I have no legacy to leave so I went for guaranteed income for life. Tired of fund charges, IFA charges and bear market.
@danpalmer7676
Ай бұрын
Just from the few comments on here it is clear most of us haven't a clue what's best for us as we all have individual financial arrangements. Why do financial experts insist on a % (mostly) of somebody's savings instead of flat fee. I will answer it myself.....Greed.
@fatmatagideon3900
6 ай бұрын
Nice one thanks
@elnaspatel1678
7 ай бұрын
Good tips Diane. Wondered if only taking your 25% Tax free from a dB and not a personal sipp is another mistake to avoid?
@steveswitzer4353
4 ай бұрын
My Pension fund default was a disaster too late now I’m 65
@pascaljoly5752
8 ай бұрын
oh great, my work pension is with... Aegon! brilliant :(
@grahamdyas1626
4 ай бұрын
I was on Aegon retire ready pension which lost 20% of its value last year. Killer.
@simplewelshman
8 ай бұрын
Great upload, Nadolig Llawen!
@DianneSullivan
8 ай бұрын
Thank you!
@stevegeek
8 ай бұрын
I’m about to start drawdown via UFPLS from my SIPP starting in the new financial year. I understand my first withdrawal will be taxed by HMRC assuming that whatever I withdraw will be the same amount each month…so potentially I could be paying way too much tax. I know it’s possible to reclaim any overpayment, but to avoid this hassle I’ve heard that it’s best to initially make a small withdrawal, say £1k. Then once a tax code has been assigned I can make a larger withdrawal (say another £15k via UFPLS, so I will not need to pay any tax, based on ~£12.5k personal allowance and 25% tax free element). Is this correct?
@porschecarreras992cabriole8
8 ай бұрын
The cheapest SIPP is by Freetrade and it is missed in the Which report! How strange
@DianneSullivan
8 ай бұрын
Well spotted (and I have a Freetrade account myself!)
@porschecarreras992cabriole8
8 ай бұрын
@@DianneSullivan me too one of the 5 pensions is there. Just £120 irrespective on how much your SIPP is worth.
@thomasmcdonald5542
8 ай бұрын
The problem with freetrade for me is that they don’t provide FAD just UFPLS unfortunately, good however if you’re still in accumulation . Also I’m not sure what there support is like, when your in drawdown you may need to speak to your pension provider and having a quality service can be important, cheapest may not always be best.
@stevegeek
8 ай бұрын
@@thomasmcdonald5542 Good point about customer service. I’m with interactive investor who are also great value (esp. for larger pensions) with flat fee of ~£240 / year and they have excellent level of service…I checked it out by calling them before I switched from Scottish Widows (who are appalling).
@porschecarreras992cabriole8
8 ай бұрын
@@thomasmcdonald5542 FAD is missing but not needed just yet and UFPLS was launched a couple of months ago. No issues with support so far
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