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My spouse and I are adding a variety of stocks/ETF to my present holdings for the long term, We've set aside $250k to start following inflation-indexed bonds and stocks of companies with solid cash flows, I believe it is a good time to capitalize on the market for long-term gains, but it wouldn't hurt to know means of actualizing short term profit.

I’d be retiring or working less in 10 years, and considering this financial recession, I’m curious to know best how people split their pay, how much of it goes into savings, spendings or investments, I earn around $250K per year but nothing to show for it yet.

Retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My parents both spent same number of years in the civil service, but my mom was investing through an asset manager, and my dad through the 401k. My mom retired with about 4.2 million, but my dad retired with roughly 1.8 million.

Considering the increased complexity since the 2008 crash and COVID, I suggest diversifying your financial portfolio. I hired a manager and successfully grew my assets by over ($150K) during this turbulent market using defensive strategies that protect and profit from market fluctuations.

bro talks like everyone should know, but even if you have all the money and pay attention...you are still getting shafted. in short, its bollox

What happens when the stock market crashes in the 6 months before your retirement date?

I've been diligently working, saving, and investing towards financial freedom and early retirement. However, the economy's downturn since the pandemic has significantly eroded my portfolio. My question now is: Should I continue contributing to my portfolio in these unstable markets, or should I explore alternative sectors?

just superb and so informative

James's videos are a treasure trove of invaluable insights and wisdom! His multifaceted expertise in tax, legal, and wealth management makes him a go-to resource for navigating the complexities of personal and small business finance. Evelyn's engaging delivery and practical advice have significantly enhanced my understanding of wealth-building strategies

I lost over $70k when everything started to tank. Not because I was in an exchange that went belly up. I was just stupid to hold and because that's what everyone said. I'm still responsible. It just taught me to be a better investor now that I understand more of what could go wrong. It took me over two years of being in the market, I'm really grateful I found one source to recover my money, at least $10k profits weekly. Thanks Natalie Strayer

James's videos are a treasure trove of invaluable insights and wisdom! His multifaceted expertise in tax, legal, and wealth management makes him a go-to resource for navigating the complexities of personal and small business finance. Evelyn's engaging delivery and practical advice have significantly enhanced my understanding of wealth-building strategies

I am sorry but why do you and so many "advisors" use examples of people who earn and invest vast amounts of money. The majority of people in the UK will never see these incomes or these chances of investment :o( ........ According to the ONS, the median average UK pension pot is £32,700, yet this varies significantly depending on age and pension type. For 25-34 year olds, it's £9,300, but for 55-64 year olds it rises to £107,300.1 Apr 2024

Not if you move the tax free cash to ISAs… each year.

I have money in Vanguard pension in VUSA which is distributing. I now have an option to invest in VUAG which is accumulating. Will I suffer any detriment if I transfer 100% of my VUSA to VUAG?

Great video. Many of us have 1 or 2 DB pensions as well as DC pensions, which adds yetmore variation. Im currently thinking of postponing DB start and usung DC first, partly for tax and partly for growth teasons. DB have done relatively well during high inflation/low growth times.

For Neil, he could defer taking his State Pension for the years between 67 and 69. There are two immediate advantages. Firstly, it would lower his total annual income and would save him Income Tax at 40% (as far as I can tell from the graph). Then, when he does take his State Pension, it would be a higher pension for life! After one year of deferral, his pension would be 5,8% higher; so he would get two loads of this. So long as he lives another 17 years, he will break even. This must surely make his tax efficiency better.

how about take 20k per year from tax free part and put it back in stock and share ISA until the 25% portion is spent. Then take the capital gain from ISA to supplement the taxable withdrawal

Great, very clear and concise overview. Very helpful, thank you!

I typically invest half my income in stocks monthly and hold for at least five years. However, my portfolio recently experienced a significant loss of around $150k. What should I do?

Hi, can you help me sell my business based in UK? Commission sale

We ot are you on about man

If you are acting as a financial adviser and are looking to help people make a once and for all decision regarding the next 30 years, then James is right. But most of us on here are more active than that. I will be holding a larger proportion of cash than usual for perhaps 12-18 months. When a buying opportunity comes around, then Vanguard / Blackrock will be receiving some money for the longer term.

James This is really interesting analysis and advice. I had a question on the strategy at 11 minutes plus in the video. Given the strategy is to keep the tax rate down why would Lois not take the 4% income from her Isa which is tax free thereby reducing the amount of capital she needs to take from her investment account by £12k? For me it surely makes sense to preserve capital as much as possible. I would be particularly interested to see if it made more sense for her to take the 4% income from every bucket in the first year, thus retaining the capital element as much as possible, and I would look to move the capital from the investment account to the ISA account over the next 5 years by utilising her ISA allowances. In this way she would increase her tax free income over the next 5 years and the longer term gain from that would surely negate the slightly higher taxes in years 1- 4? What do you think about this strategy? Finally I also think that Lois could find a much better yield than 4% and at the moment Higher Yield Bond funds are paying out over 7% (and given interest rates are likely to fall from their current lofty highs the capital returns are likely to be positive) and some enhanced dividend funds are paying out over 6%.

I say this again as a HMRC senior taxation officer just spend it spend it or give it away and live for at least 7years or we will grab your wealth at 40% Im always amazed by the schemes set up that invariably fail when we tackle them at probate!!! Spend it use it .If a labour Government gets in they have a plan to grab more from you .I know.

Too many people are now investing. They buy when it’s up, buy when it’s down, buy on bad news, buy on good news, every month. It’s a disaster waiting to happen … but not any time soon. Probably just when you want to take your pension 😂

Why can’t you put your numbers into an app and get the result? Why is it a black art?

Don't forget Uncle Sam's cut or wherever you live.

The average life expectancy in the UK is around 80 years. Will it be really worth putting extra into a pension? Ideally one would want to get a good return for..money invested or salary sacrificed. Therefor on average a person would have to live past 86/90 years before it starts to be beneficial...

I feel sorry for uk pensioners when uk gilts dropped over 40% after lettuce truss came to power

What is the most tax efficient way to get paid from abroad? Can it be paid directly into a stocks and shares ISA

Surely the answer is to change investment strategy as you go along, ie take a riskier approach early on to built up a larger pot and then as you get older move to less riskier investments to avoid downturns. Also, in the uk you get a £10k pa state pension from 67 so is this built into the model?

This is my fifth year after retirement. I’ve been following the 4% rule thing, but this isn’t really how hard I expected things to be. I still have about $460k outside funds in my IRA to invest in stocks. Pls how do I take advantage of this?

I will be forever grateful to you, you changed my whole life and I will continue to preach on your behalf for the whole world to hear you saved me from huge financial debt with just a small investment, thank you Mrs Daniella Martha..

Good information! I don’t have enough money for a lump sum so I’ll keep averaging in 😅

Genius! Could you make a video for single parents who are paying into government nhs pension and only started SIPP early 40s? And want to retire at 65-68 (not sure how much money is enough per year)

I think you may have made a mistake. Certainly, if you hold more money in premium bonds, then your average percentage per year will increase. Equally, if you hold a smaller amount, but for longer, as in your example of 10 years, then your average percentage will again increase. If you held even just £1 you could get the higher 3.5% average if you held it for an indefinitely long time.

Where is the template to complete the budget - how do I access?

Thanks James. A really good video and a lot to think about. I'll probably need to watch it several times to fully understand every nuance, but I get the overall gist of it. Please keep doing these videos. Your time and effort is very much appreciated. All the very best.

Another mind blowing video. I've been watching James for some time now and I can actually feel my brain growing lol. I've been dumping £60k into my pension since we've been allowed. As well as hoping for a comfortable retirement I hope to have enough so that James can justify having me as a customer!

Small companies fail at a much higher rate than large companies. How do you pull long term small cap data without missing the companies that failed years (or even decades) ago?

What bennefits does that rebalacing have?

Hi James, excellent videos. I started investing really late (early 50s) - which is bewildering for a Taurean. However, just to give some idea as to how compound interest is working for me ... I invest £800 per month and actually really enjoy checking the progress of those investments. Over the last 5 months alone I have invested £4k. However, they have returned £9k in just those 5 months. As my pot increases the next 5 months will see a dramatic increase on the £9k compared to the last 5 months. So my message to everyone is keep going and keep watching the videos from James because it's all educational and it's all a positive. Don't get disillusioned or demoralised by those goody two shoes who had the privilege of sound advice when younger. The vast vast majority of people in the country haven't got a pot to piss in so the fact that you're setting money aside to buy a pot to piss in should be worth a good back pat for yourselves. Keep going.

How’s SIPP any good if I could take only 25% tax free and the rest is a hassle to withdraw?

the Psychology part was spot-on

BTL.has destroyed the area I live in, greedy landlords exploiting tenants renting out shoddy homes.as.unofficial HMOs ,.10 people crammed.in two up two downs, rents paid in cash so the landlord evades tax. Houses left to rot and fall into disrepair.

Its not a mistake if every body is down jg it, its unavoidable.

I am just 65 and planning my retirement now. Looked at annuity but to get it index linked in some way is very expensive. So many variables. I have state pension next year and two small DB schemes which will give me in total about £25k per year and then £400k cash. And £600k in drawdown. But at one stage I thought the annuity was a good option but the inflation element could destroy it.