You are unauthorized to view this page. Username or E-mail Password Remember Me Forgot Password Questions asked: 00:00:00 - Intro 00:01:43 - I was listening to one of your recent podcasts with Roger called income, growth or both. You mentioned about harvesting gains to use up annual allowances so as not to end up with a big tax bill at the end. Can you give a quick overview of this and similar planning opportunities once used up your ISA allowance and need to invest in taxable accounts such as GIA. I am not at this point as yet, but hope to be at some point to be investing enough that I will need to start investing in taxable accounts. Also if there are any podcasts or seasons which you have covered this please let me know. 00:10:05 - [Nick's Note] Capital Gains Tax video from 2018 which may be helpful: https://meaningfulmoney.tv/2018/10/26/making-the-most-of-the-capital-gains-tax-allowance-5mf022/ 00:10:15 - I got about 100k cash as I was planning to invest it into a BTL. But the more I think about BTL, the less I want to do it for various reasons, the most obvious one is tax. My question is: what should I invest now? I can max out my private BC pension, first. Then use my stock and share ISAs, but should I buy the shares as a lump sum, how do I deploy 'dollar cost averaging' or 'automatic investment plan' in practical terms? 00:14:45 - I have another burning question- it is about insurance. At the moment my employer provide me income protection + life assurance+ death in service pension; so I am pretty much covered. However, should I lose my job, these will be all gone. My question is - what should I do? This is brings in two sub-questions 1)should I do anything now, or no action needed until that event happen 2) I have a non-trading limited company aside, if I lose my job the plan is to pick up some free lance job. what options do I have? 00:18:10 - Voyant: Why should plans be updated/Promoted? What does that do, why is it suggested it is done? 00:24:54 - Layman's explanation as to why bonds have been struggling recently? Would have expected (/hoped) they'd hold up during market turbulence but they seem to be a bit flat at the moment. 00:30:00 - If an investor sells an investment property and triggers a large chargeable gain, would investing in a VCT or EIS be a way to postpone the CGT gain to another tax year? Would this work if in the same tax year the EIS is bought a couple of months before the sale of the investment property? 00:33:57 - Commodity funds. 00:35:14 - Could say £25,000 out of a a CGT gain of £100,000 be invested in the EIS or would it have to be the whole £100,000 gain? 00:36:08 - If an investor's whose income is sometimes below the personal tax allowance threshold and sometimes above the personal tax allowance threshold income from the last 5 tax years and the income came only from rent (so he has no relevant earnings) he can still contribute £2,880 into a pension which receives tax relief gets topped up to £3,600. Is this correct? 00:36:21 - If the investor contributes £2,880 into his pension in tax year 2021-22 and in 2022-23 can the investor make use of carry forward rules and contribute £2,880 for the tax yer 2019-20 in which he previously made no pension contributions or is carry forward only available to investors who have contributed £40,000 in tax year 2022-23? 00:39:44 - Is there a way to have an income from pension without taking out any capital? 00:41:00 - If the investor has earnt no relevant earnings, but has paid in £2,880 can they make use of carry forward - eg another £2,880? 00:41:41 - I look at the ROI of my pension and my own house, they roughly give me 5% both in the last ten years! In the next ten years, how would predict the property market vs equity market, given state of the world? 00:43:19 - If someone paid in to a help to buy ISA in 2021-23 and previous years. Can they stop in 2022-23 and start a LISA? 00:43:54 - what is the most tax effective way to take income/paying my pension/paying NI - If I have a limited company? 00:46:25 - Can I pay 100% of my limited company's revenue to pension? Prev LessonNext Lesson