Courses 2022 LIVE Q&AS – FF FF – Live Q&A December 22

FF – Live Q&A December 22

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A few more of us on the call this time as I remember not to clash with the football! Jumplinks will be added shortly so you can navigate the questions you're interested in, and their answers.

The next Live Q&A call is 7pm on January 24th 2023 – save the date!

Remember to watch the video in full screen

Don't forget to click the ‘tick' button under the video to mark the lesson complete, before proceeding to the next lesson


00:00:00 – Intro

00:01:39 – Hi, my employer (a major global bank) offers the benefit of buying their stocks at 5% discount rate with no brokerage fees. The dividends are also automatically reinvested without brokerage fees. The shares are held in a GI account (I assume, doesn't mention an ISA and it does mention tax implications) and it's an after-tax benefit. I already contribute to my pension and usually max out my ISA each year (not my partner's though). Would I be better off using the after-tax money to buy a global index fund (I use Vanguard) or are the discount rate and lack of fees too good value to be ignored?

00:05:37 – I have completed a financial plan in Voyant and it looks good. That being said, I am aware I am an amateur, and there are lots of check boxes that I have left at default or am not 100% sure what they mean.

00:10:37 – Pete, if I was to substitute the word “risk” with the word “volatility”, would you say that would be 100% accurate?

00:16:40 – Quick question (hope you don’t mind it being a pension one) regarding exceeding the lifetime allowance. When I have done some research on this issue, the general response appears to lead to a common response, go see a financial advisor. Not to discredit this great profession but what advice are they likely to give me that your excellent academy does not?

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