Afleveringen
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There are 4 major changes headed our way in 2025. This year will chage the retirement landscape for us all. They are:
State pensions
Pensions Superfunds
Auto enrollment
Finally, a really interesting change about the creation of the Pensions dashboard.
Check your NI status here https://www.gov.uk/check-national-insurance-record
The video of this podcast is at https://youtu.be/OyKgl2zia3w
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Bringing you predictions for the stock market for 2025 from the leading investments firms.
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Zijn er afleveringen die ontbreken?
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Watch the video at https://youtu.be/dQWHxRhrkQg
I take a look at the outlook for the UK Stockmarket in 2025 and explain why a change in platforms in key to helping me to place more of my pension investments into the UK markets. More about my platforms - Interactive Investor and Seeking Alpha can be found at the link below: https://www.time2retire.co.uk/pensions-resources/
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20 years ago annuities were really popular and today I’m looking at why annuities are not quite as popular as they once where. I explore some of the reasons that deter potential annuity buyers from securing their retirement income annuity. I will cover why buying annuities in stages could be beneficial.
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Here is a quick update about my change in Pension Investment Platform.
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Time for a change, a rebalance.
On entering year 2 of my investing journey,I have one big worry, it is related to a stock market crash but not in the way you might think. This is all about FOMO, my fear of missing out. If the stock market drops 20% in Jan then I wouldn’t be overly worried as most of my withdrawals would be at least 5 years away which gives plenty of time for a recover, my big worry is that if we did see a 20% crash then I would have enough unaffected funds to able to move into the market whilst it was down..
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75% of retail investors rely on social media when making investment decisions. This is changing the playing field for our pension investments. I'll tell you what I found.
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Eric provides a personal reflection on happiness, ageing and their implications for health, time, and finances, particularly for those in their 50s and 60s. He emphasizes the importance of prioritising health and using time wisely, advocating for a shift in perspective from accumulating wealth to pursuing meaningful experiences and relationships. The video further encourages viewers to consider early retirement if their finances allow, so that they can enjoy greater freedom and dedicate time to personal goals and adventures. Become the happiest retiree possible ❤️.
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Eric from Time2Retire YouTube channel presents this podcadt about Mark, a UK pensioners. What Mark didn't realize is, state pension is a benefit in the same way that job seekers allowance is a benefit.
With job seekers allowance, you need to have paid national children to be entitled to it.
The same with state pension.
It's a contributory benefit.
So Mark was under the impression that because he had quite a lot of private pensions that he didn't come under the scope of DWP's bank account checks, uunfortunately he does.
And any of us who are claiming state pension benefit or what we call state pension will fall under the same remit as well.
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The episode explores the reasons why annuities are becoming increasingly popular again, despite falling out of favour in recent years, and the benefits of using them for retirement planning. We also discuss the different ways to buy annuities, including the concept of "annuitization", where you gradually convert a lump sum into a regular income stream over time. We also cover the potential impact of future government policy on pensions and annuities
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Eric from Time2Retire takes over the podcast from Ada and Charles today. He talks about the history of the State Pension in the UK and dome potential problems on the horizon.
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The concept of bucket lists and how they have become less relevant in the digital age. inspired by a family who sold all their possessions and travelled the world, ultimately funding their travels through social media. Technology has transformed travel and communication, enabling individuals to live nomadic lifestyles and access information easily. However, the negative aspects of technology, such as mental health issues and procrastination. The importance of prioritizing health, wealth, and happiness, focusing on these core values will naturally lead to fulfilling experiences.
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Original video at https://youtu.be/0lwzw4ANIRQ
In this YouTube video from Time2Retire, hosts Eric and Tracey discuss the impact of Tracey's unexpected job security. They explore the financial implications of retirement and consider various options for filling their income gap, including dog walking and freelance work. The hosts acknowledge their differing preferences and their desire to create a more fulfilling and enjoyable life, while acknowledging the challenges of decision-making. They encourage viewers to share their own experiences and insights to help them navigate this significant life transition.
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YouTuber, Joe Kuhn, discusses Arthur Brooks’s book, From Strength to Strength, which explores the concepts of fluid intelligence and crystallized intelligence. Fluid intelligence, which peaks in early adulthood, involves reasoning, multitasking, and innovation, while crystallized intelligence, which peaks later in life, represents wisdom and the ability to connect experience and information. Kuhn encourages viewers to embrace the transition from a fluid intelligence driven life of accomplishments to a crystallized intelligence driven life of service and helping others. The video promotes the book as a guide to navigating this transition with less fear and greater fulfillment.
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The YouTube video, "Two easy ways to check if you have enough money to retire," by Time2Retire provides a guide to calculating retirement finances. The speaker, Eric, recommends using a calculator, pen, and paper to analyse spending habits and expected retirement income. He explains the differences between defined benefit and defined contribution pensions, and how they can impact retirement planning. Eric also suggests using an advance from a pension provider to consult a regulated financial advisor for professional assistance with retirement planning.
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We discuss fifteen countries that are considered easy to move to, especially for retirement purposes. The hosts provide information about the visa requirements, cost of living, and quality of life in each country. They also discuss the pros and cons of each location, helping viewers decide which might be the best fit for them.
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Loss aversion, a core principle in behavioural economics, describes the tendency for individuals to feel the pain of a loss more acutely than the pleasure of an equivalent gain. This phenomenon, explored by Kahneman and Tversky in their Prospect Theory, influences decision-making across various contexts, from financial markets to consumer behaviour. The podcast highlights examples such as people holding onto losing investments, businesses framing discounts rather than surcharges, and the 'Save More Tomorrow' scheme, which utilises loss aversion to increase pension contributions.
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The episode explores the potential of investing in the FTSE 250 for retirement planning, comparing its performance to the FTSE 100. The article highlights the significant difference in annualized returns over time, with the FTSE 250 historically yielding a higher return. However, it cautions that past performance is not indicative of future results, noting that the FTSE 250 has underperformed in recent years. Despite this, the article suggests that the stock market may offer opportunities for investors, though it emphasizes that investment carries risk and advises seeking professional advice.
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Inbthe UK you can add £50 into a pension and it becomesx£100. A beginner's guide to pensions in the United Kingdom. The video focuses on the importance of pensions, the different types of pension schemes available, and the various ways individuals can contribute to and manage their pensions. The benefits of both defined contribution and defined benefit pensions, the role of employers and tax relief in pension contributions, and the investment process involved. The importance of understanding how pension funds are invested and actively managing pension investments.
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We examine the financial security of the baby boomer generation, specifically the "peak boomers" born between 1959 and 1964. The significant challenges this group faces in retirement, is largely due to a shift from defined benefit pension plans to defined contribution plans. The rise and subsequent decline of pensions, driven by factors like union negotiations, economic shifts, and changing demographics, have contributed to this predicament. The importance of individual retirement planning and the need for adequate savings to secure a comfortable retirement is stressed.
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