Пікірлер

• 
  @brianlalor16 минут бұрын

  This is one extremely helpful video. Thank you very much.

• 
  @suttyotolvajfideszbanda59832 сағат бұрын

  What do you think about Nasdaq 100? To risky to invest into ?

• 
  @shukriCamila7 сағат бұрын

  Buying a stock is easy, but buying the right stock without a time-tested strategy is incredibly hard. Hence what are the best stocks to buy now or put on a watchlist? I’ve been trying to grow my portfolio of $560K for sometime now, my major challenge is not knowing the best entry and exit strategie;s ... I would greatly appreciate any suggestions.

• 
  @otmanMaya5137 сағат бұрын

  Find quality stocks that have long term potential, and ride with those stocks. I have found it takes someone who is very familiar with the market to make such good picks.

• 
  @cherieElena-vb6il7 сағат бұрын

  A lot of folks downplay the role of advlsors until being burnt by their own emotions. I remember couple summers back, after my lengthy divorce, I needed a good boost to help my business stay afloat, hence I researched for licensed advisors and came across someone of utmost qualifications. She's helped grow my reserve notwithstanding inflation, from $275k to $850k.

• 
  @romeoLucia1897 сағат бұрын

  How can one find a verifiable financial planner? I would not mind looking up the professional that helped you. I will be retiring in two years and I might need some management on my much larger portfolio. Don't want to take any chances.

• 
  @cherieElena-vb6il7 сағат бұрын

  Svetlana Sarkisian Chowdhury is the licensed fiduciary I use. Just research the name. You’d find necessary details to work with a correspondence to set up an appointment..

• 
  @Janiquejay7 сағат бұрын

  Thank you for the lead. I searched her up, and I have sent her an email. I hope she gets back to me soon.

• 
  @CharlesVera9853412 сағат бұрын

  Every crash/collapse/recession provides an equal market opportunity if you are properly prepared and knowledgeable. I've seen people amass up to $800,000 during crises and even with ease in a bad economy. Someone has undoubtedly become extremely wealthy as a result of the crash.

• 
  @DanaWolfe981212 сағат бұрын

  I agree that there are strategies that could be put in place for solid gains regardless of economy or market condition, but such executions are usually carried out by investment experts or advisors with experience.

• 
  @ummalkhairihussainimusa919512 сағат бұрын

  @@DanaWolfe9812 The reason I decided to work closely with a brokerage adviser ever since the market got really tense and the pressure became so much(I should be retiring in 17months) so I've had a brokerage adviser guide me through the chaos, its been 9months and counting and I've made approx. 650K net from all of my holdings.

• 
  @CharlesVera9853412 сағат бұрын

  @@ummalkhairihussainimusa9195 Please who is guiding you and how?

• 
  @ummalkhairihussainimusa919512 сағат бұрын

  @@CharlesVera98534 Victoria Carmen Santaella is the licensed fiduciary I use. Just research the name. You’ll find the necessary details to work with a correspondence to set up an appointment.

• 
  @CharlesVera9853412 сағат бұрын

  @@ummalkhairihussainimusa9195 I will give this a look, thanks a bunch for sharing.

• 
  @Dianikes13 сағат бұрын

  It's got nothing to do with education, The problem is it's complicated for a very good reason, it's disgraceful that people that have worked and saved all their lives can easily fall into these traps, governments and financial watchdogs should be made to make people aware and a concerted effort should be enforced so that this sort of thing is less likely. Why doesn't it? Quite simply Greed, the rich getting richer taking advantage of a system that is deliberately misleading and confusing to exploit the majority, like the justice system and peoples rights, deliberately left to grey areas so people can be taken full advantage of. Absolute disgrace Poor Lois I feel so sorry for her, You want to try living in the real world

• 
  @johnporcella237513 сағат бұрын

  Never heard of a 'bind ladder'! Thanks for that!

• 
  @johnporcella237513 сағат бұрын

  Would Tim have to buy Gilts which would run for several decades in the early scenario shown? Would undated stock do the same job? What about buying a higher level of Government bonds, so that the £5k or so comes from purely the interest, keeping the principle completely intact. Why? This would then provide a guaranteed amount each year, for life, however long! What about inflation? I suppose that this 'bond ladder' could be set up with indexed-link stock? Are there such things as undated indexed-linked gilts? The advantage would be that, unlike an annuity, it remains to be given away.

• 
  @johnporcella237513 сағат бұрын

  I suspect that many shy away from annuities because, at death, there is nothing of it left to give away as an inheritance. I am ignoring guarantees annuities. Strange how from being compulsory, they have become somewhat more niche. I remember those moaning about the former regime where you had to turn a pe sion pot into an annuity by 75 years of age. I had no truck with those who complained that they could not pass on their pension pot to children as the point of the pension was to look after them in old age, not their offspring. Personally, I have changed my view, as it is more libertarian to let people choose what to use their pensions for, even if I do mot necessarily agree.

• 
  @johnporcella237515 сағат бұрын

  Is Novawealth linked, now or previously, with Octopus Titan?

• 
  @johnporcella237515 сағат бұрын

  I had no idea that the IHT bill could not be settled from entirely within the estate. Good to know.

• 
  @johnporcella237515 сағат бұрын

  Enjoyable video and most informative.

• 
  @OliverTilney15 сағат бұрын

  Amazing video,A friend of mine referred me to a financial adviser sometime ago and we got talking about investment and money. I started investing with $110k and in the first 2 months , my portfolio was reading $294,800. Crazy right!, I decided to reinvest my profit and gets more interesting. For over a year we have been working together making consistent profit

• 
  @user-qs9by1fq4o15 сағат бұрын

  Who is the professional who is advising you, if you could perhaps tell us? As a novice investing in stocks without the correct direction of a professional, I have lost a lot of money.

• 
  @Michelle_Sanders56115 сағат бұрын

  I would just put the $2.4 million portfolio in a dividend ETF like SCHD at 3.5% and you'd make $80k a year in dividends without having to sell any stocks no matter if the stock market goes down. Living off dividends is magic. Add in some JEPQ and you could bump up that annual dividend income.

• 
  @AnnBurrow-vb8tt15 сағат бұрын

  @@Michelle_Sanders561 Are you using CFA? I have tried so many times to trade myself. it is not working

• 
  @OliverTilney14 сағат бұрын

  @@user-qs9by1fq4o *Cynthia Mcclure Alexander* .She is well known; you ought to look at her work.

• 
  @KimberlyWillowWood14 сағат бұрын

  @@AnnBurrow-vb8tt I read your comment I smiled because this is how any financial advisor thinks about risk. I'd only add financial advisors would not use their gut feelings to measure the risk which is why they are always needed.

• 
  @johnporcella237515 сағат бұрын

  I have to admit that with so much cash in the bank and in his ISAs that "Frank" did not have more investment properties. I did winder why his pensions came to only £250k for somebody clearly of means, but that was explained by having takem half of it.

• 
  @mkcraycray131615 сағат бұрын

  Got out of debt at 46. Started investing at 47. Now 52 - house will be paid off this year. Hoping to retire at 60!

• 
  @c40uk9815 сағат бұрын

  I worked at a company years ago, just for a few month , just got a letter from there pension(the pension people), I have a massive 175 quid in it , should I cash it in now ive just gone 55

• 
  @medievalfolkdancer16 сағат бұрын

  Fantasticnvideo. I So need you to review my position as I'm 50 and really want to retire at 60/62. Would love to have a go at that excel calculator from this video.

• 
  @winniethepoohandeeyore220 сағат бұрын

  I regret paying off my mortgage said no one ever

• 
  @peteraston475323 сағат бұрын

  No take it all in cash then claim pension credits

• 
  @jablot5054Күн бұрын

  I completed my bucket list when i was young. I paid my mortgage off by aged 40, ive never had a job that paid the average UK wage. I semi retired at 53 then fully at 59. I live a good life on £1k a month doing exactly what i want and have money left over. When the state pension kicks in at 67 im going to have £1k a month spare ! You dont need alot to have a GREAT live.

• 
  @gav2302Күн бұрын

  Love your videos James. So much so that they’ve educated and influenced me to change direction in my career and get into financial planning. Start a new job in financial services in 3 weeks, can’t wait to get going. Thanks for everything

• 
  @despoticmusicКүн бұрын

  My grandparents bought me a £1 bond in 1965. It still hasn’t won…. But I’m in it, so I might win it! 😂😂😂

• 
  @despoticmusicКүн бұрын

  My wife and I both have the £50k limit. This month was the first month in the last 5 years that we didn’t win something…. 😂😂😂

• 
  @sttan26312 күн бұрын

  Retired if u feel comfortable and happy with it... No age limit..

• 
  @spacemansproggit56272 күн бұрын

  This video holds another incredibly powerful truth, but it is something we almost always overlook - and it is "familiarity". One of the options James explores here is a what-if question along the lines of, "Well, what if you contributed more to your pension than the minimum? What effect would that have on the size of your portfolio when you come to retire?" The hidden side effect comes from the fact that by contributing more in to your pension when you are working, you have no choice but to adjust the lifestyle you live during your working years. This in turn means that your disposal income during your working years is lower. Then you come to retire... and for most of us, this means that our income will be lower in retirement. But this is where those extra contributions provide a double benefit. First, because we've already "adjusted" to a lifestyle with a lower real-world income than we could have had, because we've been paying more of our available income in to pensions and/or savings and living on less. Second, because by putting more into those savings, we'll hopefully see a bigger final sum at retirement. These two forces act together, like a positive "double whammy", closing the income gap between what we earn in our last years of employment and what we can draw from our pensions when retired. And the best bit is, it doesn't need to be hard, because we will adjust to it over time.

• 
  @rbir26532 күн бұрын

  You can't predict the government not changing the botton tax threshold.

• 
  @TROZJAN2 күн бұрын

  I do added voluntary contributions where I pay £100 in a fortnight but only costs me £70 least I hope do that much overtime can tell as been like 8 month since had normal pay

• 
  @TROZJAN2 күн бұрын

  I will be 55 when I hit my 30 yr pension pot but can’t retire till 67 does that still grow even if I switch jobs and pay into a different pension

• 
  @russellekins27992 күн бұрын

  This is really useful, thank you

• 
  @funkyfragrancelover29792 күн бұрын

  I assume the figures mentioned are in today’s money? If I assume I will be retiring in 10yrs time the total pot will need to account for inflation over that decade?

• 
  @andykeith12 күн бұрын

  I’m a CTO of a small company and will be stepping down at the end of June to work on new things - tech projects I find interesting that hopefully I can build into something. There’s no real end goal and I have savings to live off if they don’t work out in the short term. If it fails I will work on some other ideas outside of tech or get a normal job. It doesn’t have to be “work an incredibly difficult job” or “retire”. There are other options.

• 
  @jackhargreaves19112 күн бұрын

  Saving £20k while paying yourself £30k in dividends makes absolutely no sense, even at face value. Ie without any expertise in final management.

• 
  @shadowfilm79803 күн бұрын

  I retired when I was 62. Not waiting until 65. SO happy I did. At 62. I feel FREE! As a single guy. No more BS politics at work. Etc. Its great. 👍👏😎

• 
  @dailaffin90663 күн бұрын

  Thanks James, but I suspect not many of us have funds anywhere near the amount that “Lois” has accumulated!

• 
  @ceesklumper3 күн бұрын

  Your reasons 1, 2, 3, 4, 5 are irrelevant to the decision when to retire, unless a person doesn't live a proper life until they retire. You can be perfectly happy while working, in fact I always have been and I am certainly not waiting to retire to live my life to the fullest.

• 
  @ceesklumper3 күн бұрын

  I'm 64 and hope I don't have to retire until I am at least 80. I love working and earning

• 
  @sharonmullinger49583 күн бұрын

  Great information James but I wish you could speak slower for some of us that don’t understand pensions.

• 
  @David-od4bq3 күн бұрын

  James. How do you buy gold n silver through a SIPP that has not been rehypothecated?

• 
  @jonwall29323 күн бұрын

  I nearly chocked on my coco pops. 800k pension? Unrealistic 😂

• 
  @teresita2-3 күн бұрын

  The concept of mini-retirement changed my life. I'm no longer waiting for some retirement paradise when I'm 65. It helps to know how to fund the lifestyle. You know, making money while you sip that piña colada by the beach does help. I wouldn't have been able to do it otherwise.

• 
  @Sampson-jh7yq3 күн бұрын

  Yeah, people miss that part. You don't jet out to Puerto Rico with your life savings. Proper investing and a good business acumen are big pluses. Invest in the stock market, real estate, build businesses. That's just it.

• 
  @albacus2400BC3 күн бұрын

  Safe to say not everybody has the skill to pursue investing. But it's always easy to follow the advice of someone who knows how to i.e a financial advisor. You could anywhere between 10--40k with the right ones. Online businesses are a good bet too if you are savvy.

• 
  @jose2212-3 күн бұрын

  I think most people want to try out a financial advisor, but the amount of information on the internet is overwhelming. Could recommend any good one ??

• 
  @albacus2400BC3 күн бұрын

  There are many independent advisors to choose from. But I work with Monica Shawn Marti and we've been working together for almost four years and she's fantastic. You could pursue her if she meets your requirements. I agree with her.

• 
  @RuthEvelyn-rc3bg3 күн бұрын

  Thank you so much for your helpful tip! I was able to verify the person and book a call session with her. She seems very proficient and I'm really grateful for your guidance

• 
  @vivabielsamot58283 күн бұрын

  Wont be any pensions when the crash comes , get it while you can!

• 
  @tonyh14603 күн бұрын

  The worry now is a Labour government will remove the 25% tax free portion and you’ll pay 20-40% on it all. Makes me think plan A might be better Take it now and invest it in a stocks and shares ISA (Labour my be planning on taxing those too tho)

• 
  @burnley19664 күн бұрын

  We'll be living odd £1300 a month.

• 
  @rodneyhenchliffe7544 күн бұрын

  Brilliant points here about the shift of mindset from scarcity to spending and, working longer than you actually need to. I want to work part time from 60 in my work if I can for purpose, buts there is lots from this I can still learn from. Love your posts.

• 
  @grahamroden88974 күн бұрын

  I’d go safe, pay the mortgage off first then invest later.

• 
  @richardeverard53474 күн бұрын

  👍

• 
  @RichardFarmbrough4 күн бұрын

  kzread.info/dash/bejne/pIOnmciTlJDAlqg.html REDCUE? 😁 Great video.

• 
  @donnellwilliams62724 күн бұрын

  Freedom to do as YOU want! That’s the BEST feeling ever! Retirement is all of that plus a bag or chips…..make that a SMALL bag of chips 😅

• 
  @brooms41424 күн бұрын

  I enjoyed watching every second of this video. Additionally, People are lucky who are able to retire early. I have 15 months till 65 and need to look at calling it quits, my only fear is running out of funds much later, thus keen on investing. What could be the safest possible ways to invest for cashflow, in order to afford my lifestyle after retirement?

• 
  @sergiopawson4 күн бұрын

  you should consider investment planning

• 
  @maria_casey4 күн бұрын

  I totally agree to this. I'm a wife, mother of four and new grandmother, 28 years in Corporate America and recently retired at 57 after discovering the freedom investing could provide 4 years back. As of today, I have witnessed my $255k account yield barely into a 7 figure.

• 
  @justlikekingsolomon4 күн бұрын

  @@maria_casey truly appreciate the implementation of ideas and strategies that result in unmeasurable progress, thus the search for a reputable advisor... mind sharing info of this person guiding you please?

• 
  @maria_casey4 күн бұрын

  Katherine Nance Dietz is the licensed FA I use. Just google the name. You’d find necessary details to work with and set up an appointment. To be honest, I almost didn't buy the idea of letting someone handle growing my finance, but so glad I did.

• 
  @HaroldsTKO4 күн бұрын

  thanks for putting this out.. curiously looked up Katherine Nance Dietz on the web and was able to schedule a call session via her consulting page, no doubt she shows a great deal of expertise..

• 
  @EVil-ob8in4 күн бұрын

  Time will tell but I worry more about negative growth over the next 5 years. Despite what history tells us, all my savings outside of pension is going into cash now while I can get >5%. We’ve seen good growth in the 3 months to May 24 but I’m betting that will be the peak for a long time to come. Delighted for someone to tell me I was wrong in the months and years to come. FTSE peaks on 15/5/24 at 8473,as a point of reference.