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Listener Questions – Episode 62

Questions Asked

• Question 1
  Hi Pete and Roger,

  I have been listening to your podcast for years and it's really helped me understand and get excited about personal finance.

  Our situation is….married couple, both 48, no kids, wanting to retire at 50 with a lifestyle we have costed to £40k a year. Happy to die with zero as no family to worry about when we are gone.

  Can the maths really be this simple or am I missing something?. Any risks you can spot that we’ve not thought about?

  50 to 58 use saving from ISAs, currently £280k but will be about £340k by 50, using the ladder strategy.
  58 to 65 drawdown from my SIPP, on course to be £350k by 58 with 2 more years contributions and 5% return
  65 onwards my husbands DB pension of £20k per annum plus what's left from SIPP and ISAs until 68 when we both get full state pension so another £24k

  I see the risk of a few lean years at 65 to 68 if we don't have any funds left in our ISAs or SIPP but other than that it looks too easy. Can you see any areas we should look into further? I am worried that if I go see a financial advisor they will say we don't have enough even if we do. Would really welcome your thoughts on this.

  Keep the podcasts coming as I look forward to listening to every one of them.

  Many thanks
  Louise

• Question 2
  Hi lads,

  What are your thoughts on using AI to gain projections on various investments (S&S isa, pensions etc) and even to sense check retirement options/tax efficient withdrawals? I know that nothing beats speaking to an actual person to gain information/reassurance, but so far I have found information it has provided to be useful.

  All the best

  Andy

• Question 3
  Hi Pete and Roger.

  Love the show! A couple of linked question for you, if I may….

  Perhaps one more for Roger and his direct experience. All hypothetical for me, because I'm 10-15 years away at the moment…

  How does semi-retirement work, or even perhaps returning to full time work after retiring?

  Just declare it on a tax return? Easy enough? What about NI?

  I note that once declared retired, your future pension contributions are capped.

  However, I was listening into a pension briefing from my DC provider, and they seemed to suggest that the 25% lump sum doesn't trigger the contribution limit.

  So why wouldn't I draw 20k/yr out of the lump sum, from 57 (in my current borderline case!), and put it in my ISA?

  All the best
  Mike B

• Question 4
  Hey Pete & Roger,

  First of all, thank you so much for all the free information you provide! I just moved to the UK and your podcast has been an invaluable source of information and has helped me navigate the financial aspects of living in the UK.

  With the new salary sacrifice rules for pensions coming up in 2029, does it make sense to move any additional pension contributions above the £2,000 limit to a SIPP instead of the employer plan? My employer plan has different fund options, but fees are high (1% per fund plus 0.3% management), so I'd rather be with a low-cost provider. I'm currently getting my employer match and contributing extra to save on income tax and NI, but the new changes make me think I should make the additional contributions to the SIPP directly, as I get no NI savings.

  Am I missing something? Is there anything else I should consider?

  Best,
  João

• Question 5
  Hi Pete and Roger,

  Your podcast is one of my ‘must watch’ YouTube channels, and I’m working my way back through them gradually.  My husband and I are in a bit of an unusual situation, in that we lived abroad for 31yrs, returning to the UK in 2020.

  More by luck than investment decisions, thanks to businesses and home purchases we came back with significant funds.  We received very good advice regarding investing when we moved back, and I have done a huge amount of research and feel I am pretty well educated regarding our future finances – I love a spreadsheet.  We have been bed and ISAing each year to move funds from our GIA’s into our ISA, as obviously we couldn’t put our full pots into ISA’s.

  I don’t strictly have a question, rather than sharing what we are doing.

  If you intend/need to withdraw funds from your GIA anyway, surely it's a good idea to withdraw the dividends as they occur, as you have to pay tax on them anyway?  If the dividends are as much as you need you don’t then need to sell any investments and risk exposure to capital gains tax.  Also If the dividends are more money than you need then dropping the money into the ISA also works or using the gift out of income option for the kids.

  Just to add a question (so my email fits the subject) I do have one regarding inheritance tax.

  If parents gift a child money say to help with a deposit for a house, am I right in thinking it will be assumed for IHT that it was gifted 50/50 by the parents?  What happens if one parent dies within 7yrs?  Everything would pass to the spouse free of inheritance tax but how would the gift be treated? Would the gifted money drop out of the estate still 7yrs from the gifting, or is there some other rule?

  Thanks and keep up the good work.

  Best regards, Susan

• Question 6
  Hi Roger and Pete (and Nick and Kate and anyone else I've forgotten)

  This is slightly different from the usual questions that you answer on your podcast so you're at least safe from me asking for financial advice on anything.

  On a number of episodes you have expressed annoyance at constant changes being made to various forms of tax efficient savings such as Pensions and ISAs. On the assumption that you would agree the current legislation isn't perfect, and therefore at some point will need changes, what would be the ‘financial advisor approved' method to push through any needed changes to these kinds of accounts such that tax on these accounts can be changed if there are genuine good reasons to change it but it doesn't become a political football for consecutive governments?

  All the best,
  Josh

Send Us Your Listener Question

Send your questions to hello@meaningfulmoney.tv Subject line: Podcast Question

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The post Listener Questions – Episode 62 appeared first on Meaningful Money – Making sense of Money with Pete Matthew | Financial FAQ.

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