110 Minutes of Investing Knowledge to Improve Your Finances

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FX impact video: https://youtu.be/UefstfncObs?si=w4nmhXgg13NY1yy5
Pension Drawdown: https://youtu.be/rmJ9rIW6tH8?si=m4E1bO6tOqPO86yR
HMRC: https://www.gov.uk/guidance/hmrc-tools-and-calculators#capital-gains-tax
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Investing Business Cash: https://www.youtube.com/watch?v=Be6Q950G71k

When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results. Other fees may apply. See terms and fees.

This video does not represent financial advice, and I am not a financial advisor. When investing, your capital is at risk. Investments can rise and fall and you may get back less than you invested. Past performance is no guarantee of future results.

0:00 Intro
1:04 Global vs regional trackers & S&P diversifying
3:05 Choosing tracker funds
5:14 Global vs all-US
6:56 OEICs vs ETFs
8:16 Sponsor: Gamma
9:38 Investing & asset allocation & market basics
10:07 ETF vs fund vs index
11:31 ISA compounding
12:40 Passive Ponzi?
16:14 Over-diversified?
17:52 Worst advice
19:13 Future mirrors past?
21:28 Income vs accumulation
22:40 Currency risk
23:22 When to sell
24:15 Surplus income priorities
25:45 Timing, crashes & lump sums
27:29 Protecting ISA
28:35 Buying the dip
29:14 Deploying cash
30:24 Bonds vs growth
31:22 Money market vs savings
31:47 Rainy day fund
33:06 Gold, crypto & alternatives
34:42 Investing in gold
36:19 Gold or silver coins
38:07 S&P/Bitcoin split
39:03 ISAs
43:36 LISA penalty
44:33 Pensions vs ISA
45:02 SIPP vs workplace
45:36 Salary sacrifice
46:15 SIPP vs ISA risk
47:05 Overcontributing
47:38 Locating lost pensions
49:15 Consolidating benefits
49:30 Adventurous vs balanced
50:35 Comparing options
51:14 Low projections
52:19 Before transferring
52:57 MPAA scope
53:28 DB, NHS, LGPS & state pension
53:58 Triple lock
54:14 State pension removal
55:40 DB as bonds
56:35 Retirement & drawdown
57:19 4.7% rule
57:59 Drawdown order
58:34 How drawdown works
58:54 Emergency tax
59:24 Sequencing risk
1:00:19 Cash buffer placebo?
1:01:58 Care costs
1:02:56 FIRE & early retirement
1:03:24 Coast FIRE
1:04:47 Pre-retirement risks
1:05:11 Boredom returns
1:06:01 Tax, IHT & documenting gifting
1:06:22 CGT allowance
1:06:49 Reporting GIA gains
1:07:12 Fiscal drag
1:08:00 Circular gifting
1:08:22 Housing & property & renting vs owning
1:10:12 Deposit size
1:11:01 Mortgage % income
1:12:00 Samuel Leeds
1:13:06 Debt & student loans
1:13:50 Credit card debt
1:15:22 Savings & emergency funds
1:16:52 Evaluating insurance
1:17:03 Platforms, brokers & fees & FSCS protection
1:18:18 Vanguard fee
1:18:41 If Vanguard closed
1:18:57 Fintech collapse
1:19:43 Auditing platform
1:20:11 Banking app investing
1:21:03 Financial advisers & when do they help?
1:23:46 SJP portfolio
1:25:06 £1m adviser fee
1:25:53 Kids, family & inheritance
1:26:39 Junior SIPPs
1:27:05 Cost of kids
1:28:54 Relationship finances
1:30:04 Money psychology & behaviour & guilt
1:31:16 Panic selling
1:31:44 Die With Zero?
1:32:57 Convincing family
1:34:01 First 100k
1:34:55 Advice for young people
1:35:11 Career & self-employment & pensions abroad
1:35:34 Company investing
1:36:01 Maternity/paternity
1:36:34 Career break
1:37:39 Gary Stevenson
1:40:18 Land value tax
1:41:27 ISA/tax changes
1:43:11 Home ownership goals
1:44:23 Stamp duty stocks
1:44:50 Personal & random
1:45:13 What worries you?
1:45:25 Writing a book?
1:46:13 Financial audits
1:46:46 Wes sponsorship
1:47:15 Bank robbery
1:47:40 Baguette vs naan
1:48:09 Twix vs Lion Bar
1:48:38 Ultimate biscuit
1:49:02 Internet upgrade

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