You are unauthorized to view this page. Username or E-mail Password Remember Me Forgot Password Questions: 00:00:00 - Intro 00:02:00 - I currently salary sacrifice 5% to my pension, with my employer matching 10%. Given this context, I'm contemplating whether it would be wise to waive my bonus and add it to my pension. I want to ensure I make the most responsible choice, considering my age and long-term financial goals. Thanks. 00:05:20 - Is a buy to let still a good investment with this crazy interest rate now? 00:09:05 - I have some questions about Pension and tax. Context: in FY 22/23, My gross salary was £85k + £10k bonus, and I made £34K pension contribution into my employer's DC pension pot which has salary sacrifice on any contribution from me. I also got £11K RSU vested in that FY. 1) RSU tax withheld was ( -5k); it shows as minus 5K, - so I don't need to pay any income tax on these vested RSUs for now? I know I need to pay capital gain tax when I sell them. 00:10:51 - 2) As my taxable income is £71K ( from my P60) I assume I reached the 40% threshold? 00:11:05 - 3) Besides my direct salary reduction, I also made £8k cash deposit into this pension pot. The pension provider gives me 20% tax relief when I deposit the money, but should I claim some tax back since I pay 40% tax on my income? If so, what amount should I claim tax back? I know I can only claim the part over 51K e.g. 71k-51k =20k ? based on this info https://www.gov.uk/tax-on-your-private-pension/pension-tax-relief 00:15:08 - Hi Pete- when it comes to DC pension contributions, we’re told to pay x% of salary. Is that just our contribution, or would that be total including employer contributions too? (REALLY hoping it’s total..!). And what are your thoughts on the Martin Lewis view of aiming for half your age when you started paying in (eg if you started paying in at 20, pay 10% of salary). 00:19:12 - If this has been covered in previous sessions, apologies, but how can we learn about using the Voyant software for personal "what-if" scenarios? Are your Voyant videos in the MM academy pages? 00:25:00 - If I had a savings plan in the US and as a British resident I wanted to transfer this into the UK how do I do this without paying tax. Is there a method for transferring minimizing my tax liability. 00:28:50 - Hi Pete, First time on here - I only recently joined. I'm self-employed and I am currently putting my emergency fund into a savings account. Do I continue doing this or move it into a cash ISA? Prev LessonNext Lesson