You are unauthorized to view this page. Username or E-mail Password Remember Me Forgot Password Questions asked: 00:00:00 - Intro 00:01:48 - I have a Sip at work where I can buy up to £150 shares at work. If kept for 5 years I can avoid paying tax on these shares. After the 5 years is it worth transferring them into an ISA? Also is this easy enough? 00:06:32 - Sorry I won’t be able to make the call tonight, however, I’ve been enjoying the recent videos about risk and risk flex etc. I just wondered what your opinion was on using ‘100 minus your age’ as a starting place to determine how to split your portfolio between aggressive and defensive assets? E.G. If you are 40 years old then you should be invested 60% aggressive and 40% defensive. Of course this is only a starting place and as you get more experienced and have ‘survived’ a few downturns then maybe you could ramp up the risk level and maybe use ‘120 minus your age?’ 00:08:13 - Hello Pete A question regarding savings. Having used up this years ISA allowance and having some capital in Premium Bonds, i am in the process of moving the Premium bond funds to an easy access savings account as the interest rates have now increased. Your thoughts on this action and any other option to have easy access to savings that would give me a acceptable return would be welcome. Thank you in advance. 00:10:56 - Hi Pete. Keen to your hear your thoughts on the market and if you have seen anything that would change the just keep buying approach (Buying units in global equity funds). 00:15:47 - Hiya Pete, I am a complete newbie... I had an NHS pension that I was contributing into for 4 years but have since left that job in May. I am now contracting under an umbrella and not sure if I should look into putting cash into a SIPP or something else? I am 37 soon to be 38 yrs and I am worried that I am just diddering as opposed to taking action. 00:20:49 - Pete talks about fixed income - bonds, gilts. 00:24:40 - Hi Pete, Pretty much all my assets are in my house. Tiny DC pensions. Have a small Halifax S&S ISA too. Am 56 so planning to sell and downsize to split my assets into house/investments. Will be about £500K to invest (if I can buy a cheap enough house!) Concerned about what I could invest in at the moment that will give a positive return (other than global tracker as mentioned above). Just set up a Ltd co (to glide into retirement) and started a HL SIPP. Should I get advice? Or just spread the investments out over non risky stuff? 00:32:09 - Hi Pete, firstly thank you for all the content and advice that you provide. A simple question, I currently have 2 pensions. A workplace pension and a personal DC pension. I have been toying with the idea of combining them into one place. Possibly transferring my personal DC into my workplace pension. My workplace pension is currently using salary sacrifice for my contributions. Would this be beneficial or should I keep things the way that they are? Prev LessonNext Lesson