The first thing I want to do is reframe how you think about your money in retirement, because it's a genuinely different job to what came before. During your working years, you were in accumulation mode. Money goes in. Investments grow. You don't touch it. Simple.

In retirement, you flip into decumulation mode – a horrible word that advisers like ...

KNOW – Pensions no longer outside of estate
KNOW – Some important exemptions still remain
KNOW – In some cases there could be TWO taxes
KNOW – The administration will also change
KNOW Summary

DO – Rethink the old “leave the pension last” strategy
DO – Review who your beneficiaries actually are
DO – Consider using surplus pension income w...

Questions Asked

Question 1
Hi Pete and Roger,

I have been really enjoying your podcast and have learned so much about finance, tax and investments that I did not know before. I enjoyed your episode on inheritance tax.

I have a question regarding inheritance tax and what happens if beneficiaries are unable to afford to pay it. My parents are wealth...

Questions Asked

Question 1
Hi Pete and Roger

I’m late to investing but thanks to your informative and entertaining podcasts and books – I feel on track to at least a decent retirement.

I’m on a £60K salary and currently manage to contribute around £25K annually via salary sacrifice – which keeps me happily and comfortably within the 20% Income Tax...

Questions Asked

Question 1
Hi Pete and Roger,

Thank you for your amazing podcast!
My question is about budgeting & savings percentages:
Should you aim for a % of your gross pay or your net pay when it comes to aiming for a savings percentage? e.g. Invest 20% of gross or net?

I'm self employed and work contract ...