You are unauthorized to view this page. Username or E-mail Password Remember Me Forgot Password Questions: 00:00:00 - Intro 00:01:48 - Do you know any good sources for impact investing? I'm especially interested in saving ocean ecosystems. 00:03:02 - What does the Inflation box on plan settings affect in VoyantGo? How does this differ to CPI and RPI boxes on plan settings? 00:05:13 - Whilst I understand the implications to IHT of using up a pension before an ISA I noticed that when changing the withdrawal order to an ISA last my money lasts a bit longer. Do you see the same or have a made a mistake in Voyant? I believe the logic is that taxes will keep going up in the future and the ISA mitigates this, and the pension, once tax free cash is used up, does not. My plan is to crystallise £80k per year so that I can put the £20k cash free amount into an ISA until my pension is completely crystallised. Thoughts? 00:06:40 - I have a large portion of my investments in Vanguard LS40, this has done a lot worse than my LS60, is the drop in the bonds section likely to recover in the future in a similar way to stocks or is it likely the bonds will always be a loss, meaning the LS40 will only show a profit once the smaller stock percentage has gone positive? My LS40 lost less previously so don’t know what to expect from this? 00:09:17 - My ISA and GIA VLS20 which I'm using as a "proxy" bond fund has dropped much more than my other fund a well known FTSE global equity fund. Should i look to rebalance and at what interval do you recommend? I normally rebalance once a year and when i am buying investments or because i just happen to be logged in to the portal and have spare time. Do the current market conditions mean I should modify my rebalancing approach. 00:10:58 - Really enjoy these shows, the mantras of time in the market rather than timing the market and past performance is no guide to future performance are well drilled into us for equities and bonds. But what about houses? We now have 2 and would like to sell both and buy bigger better energy efficient near passive one for continuing "retirement" in the next 2-5 years. There's little CGT liability on house 2. With inflation high for cash and equities too volatile for that time period is it then best to keep the other house so that it tracks the market? I don't really want to be a landlord and if i did have to i would pick hassle free tenants over income. Is it right to apply the same logic to housing as other Investments? 00:13:06 - A likely very simple question , but i wish to what if a transfer of a DB scheme and know the approximate transfer value what is the best way to reflect this please. 00:14:17 - I will have a DB pension that covers our essential spending in retirement. I have also been paying into a SIPP (global tracker index fund) that I could use to retire early or as fun money, but basically can draw down on it "when the time is right" rather than needing it. The market is volatile right now, so certainly wouldn't choose to draw off it, but what signs should I be looking for that the time is right to draw down a lump sum. I think a two years worth (in addition) to supplement my DB. Hope this isn't a numpty question, or a "timing the market" question. Many thanks 00:16:50 - Is there a way in VoyantGo to show cash flow, assets, expenses, net worth etc etc for ONE person as opposed to the whole plan eg spouses or family? I've done a fair bit of digging but can't find out how to do this. 00:17:37 - In today's video 'should you take a lump sum' you mentioned about getting to retirement with most money in pensions and not much in ISAs. What would you suggest is a good split to work towards? 00:19:04 - Is there a way in Voyant Go to automate selling investment/rental properties before using private pensions to cover expenses? Leaving the main residence. Or do you have to enter a 'sell' date each time. 00:19:35 - Is there any way to link a DC pension to a specific employment in Voyant Go? If one changes jobs in the middle of a year, with each role having different employee/employer contributions, setting up two incomes and two MP pensions will result in both pensions drawing from both income streams. Is it therefore necessary to manually calculate pension contribution amounts (employee and employer) based on the actual income from each employment, instead of percentages? 00:22:06 - With inflation being projected at 9% do you have any suggestions as to whether this should change the way the cash, near cash, bonds, and stock market investments in the ladder are used when in or near retirement? Thanks 00:23:30 - Could you help with a VoyantGo question. Can you trigger a legacy gift from the death of one partner. The gift would be paid from the surviving spouse. 00:25:24 - Hope you are feeling better. After much deliberation I have decided to retire in a years time at 57, taking my DB pension early which comes with an additional tax free lump sum. This I was going to use to supplement the DB pension to cover the first 3 years (drawdown ladder) and add the rest to my/my wife's ISA (global tracker). I was then planning on taking UFPLS lumps from my SIPP, running it down until 67 when state pension kicks in? Alternatively I can run down SIPP and take DB pension later but obviously won't be invested for as long. Tried modelling on Voyant but being only a year to retirement, found it tricky. Any thoughts on which model is better or is it another "it depends" situation? Many thanks 00:27:57 - I’d like to support one of my boys to start a pension as his work is zero-hour contract. What should we think about? Should I go via a LISA? 00:29:39 - Thoughts on opting out of NHS pension & saving the equivalent amount yourself in S&S ISA/SIPP/Property. Versus keeping the NHS pension but then putting less towards the rest. 00:30:14 - When you have a really inconsistent income month on month, for example when you work in sales and it’s commission based. So every month is totally different. How can you possibly plan to save & invest for retirement effectively? Like how do you budget for the year & know when you can spend on yourself vs save & invest when it’s not possible to know what’s coming in next month? 00:32:32 - Insurance vs self insuring. When you’re young in your 20s and don’t have a lot of financial responsibilities or dependents, no mortgage yet etc. How do you know whether it’s best to be paying for life insurance & critical illness insurance or whether it’s best to plan to self insure by investing the money yourself. I have been trying to project myself 10 years into the future when I will have my own home, more bills, possibly 2 kids. And my parents may need me too, I’m not sure what their situation will be financially as covid has affected their business drastically. So I have no idea how to calculate how much I would need & whether I should take out insurance from now to protect my loved ones or if I should just be investing more with the same money. How do I figure this out? 00:34:12 - Given that Equities and Bonds appear to be positively correlated such that both go down at the same time, how does this impact the Cashflow Ladder strategy.? Especially the 3-5 years bucket where we would have separate equity and bond funds and we would want to sell the bonds, when the equities are down, but you find that bonds are also down. 00:36:34 - The longest guaranteed income period offered on the GAR annuity that I am considering is 10 years, whereas I would prefer at least 15. Is there an insurance product (or any other method) that I could possibly use to emulate such a guarantee myself? 00:40:30 - My wife has a small DC pension currently with Aviva due In July. I think the portfolio is around 70/30 (equities/bonds). I was going to move to a Vanguard LS 40 or 60. Given the current markets would it be best to leave it where it is for now? She doesn't need the money right away.. 00:41:11 - In the last podcast regarding taking tax free cash you were at pains to point out that the tax free element is only available at the point of crystallisation. (Great info – I must admit that I hadn’t realised that before). This lead to a discussion with Roger regarding crystallising in tranches as you need it. Is it still possible to have a crystallisation after the age of 75 and withdraw tax free cash or is the TFC option lost after 75 (sorry if you covered this). Thank as always. Leighton 00:44:10 - Is there a way to model a CAF (charity) account in voyant? 00:47:55 - I have just joined and my first live session. Due to unforeseen circumstances I have not been able to get into the training materials or Voyant Go yet. Does the Voyant GO subscription start immediately or when you first use it. Thanks Mark 00:51:07 - Can you do a piece on contracting at the end of employment on the regular cast? Prev LessonNext Lesson