Artwork

Inhalt bereitgestellt von The Money Spot™ - UK Personal Finance and Heather Katsonga-Woodward. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von The Money Spot™ - UK Personal Finance and Heather Katsonga-Woodward oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
Player FM - Podcast-App
Gehen Sie mit der App Player FM offline!

#27 How to invest a lump-sum: ISA vs SIPP vs work pension?

17:45
 
Teilen
 

Manage episode 279894499 series 2838867
Inhalt bereitgestellt von The Money Spot™ - UK Personal Finance and Heather Katsonga-Woodward. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von The Money Spot™ - UK Personal Finance and Heather Katsonga-Woodward oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
#27 Nik asks: Hi Heather, just discovered your podcast and blog. Really inspiring. Could I ask a question? I have about £10k to invest and I’m considering three options. I’d really appreciate your help in deciding what to do. 1. Add to my passive investment portfolio which is spread across equities and bonds. It’s down about 8% since Feb. I’m not planning to access this for 7 to 10 years. I could put it in now as a lump sum or drip feed 2.5k every week for the next month. I see the advantage as cheaper units and likely long term growth. The disadvantage obviously is that the market could drop significantly again. I know it’s dangerous to try to time the market. 2. Invest in my SIPP which has similar funds but will lock my money in for the next 12 years. As a higher rate tax-payer I know there are significant benefits. 3. Buy added Civil Service defined benefit Alpha pension. A 10k lump sump would buy approximately £1k self added pension or £900 self and dependent pension. The defined benefit looks attractive but again the money would likely be locked in until I turn 67. Any advice would be hugely appreciated. Many thanks Nik M Related resource: https://www.katsonga.com/wealthblog/should-my-bonus-go-into-my-isa-personal-pension-or-work-pension Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://www.katsonga.com/mybooks.html B. School: for money-wise, wealth-bound kids: https://bit.ly/3gnX2AA Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
  continue reading

51 Episoden

Artwork
iconTeilen
 
Manage episode 279894499 series 2838867
Inhalt bereitgestellt von The Money Spot™ - UK Personal Finance and Heather Katsonga-Woodward. Alle Podcast-Inhalte, einschließlich Episoden, Grafiken und Podcast-Beschreibungen, werden direkt von The Money Spot™ - UK Personal Finance and Heather Katsonga-Woodward oder seinem Podcast-Plattformpartner hochgeladen und bereitgestellt. Wenn Sie glauben, dass jemand Ihr urheberrechtlich geschütztes Werk ohne Ihre Erlaubnis nutzt, können Sie dem hier beschriebenen Verfahren folgen https://de.player.fm/legal.
#27 Nik asks: Hi Heather, just discovered your podcast and blog. Really inspiring. Could I ask a question? I have about £10k to invest and I’m considering three options. I’d really appreciate your help in deciding what to do. 1. Add to my passive investment portfolio which is spread across equities and bonds. It’s down about 8% since Feb. I’m not planning to access this for 7 to 10 years. I could put it in now as a lump sum or drip feed 2.5k every week for the next month. I see the advantage as cheaper units and likely long term growth. The disadvantage obviously is that the market could drop significantly again. I know it’s dangerous to try to time the market. 2. Invest in my SIPP which has similar funds but will lock my money in for the next 12 years. As a higher rate tax-payer I know there are significant benefits. 3. Buy added Civil Service defined benefit Alpha pension. A 10k lump sump would buy approximately £1k self added pension or £900 self and dependent pension. The defined benefit looks attractive but again the money would likely be locked in until I turn 67. Any advice would be hugely appreciated. Many thanks Nik M Related resource: https://www.katsonga.com/wealthblog/should-my-bonus-go-into-my-isa-personal-pension-or-work-pension Ask me a question: https://www.katsonga.com/coach.html Choose a book: https://www.katsonga.com/mybooks.html B. School: for money-wise, wealth-bound kids: https://bit.ly/3gnX2AA Support the podcast: In $: https://www.buymeacoffee.com/TheMoneySpot In £: https://www.patreon.com/TheMoneySpot Your way: https://www.paypal.me/katsonga
  continue reading

51 Episoden

Alle Folgen

×
 
Loading …

Willkommen auf Player FM!

Player FM scannt gerade das Web nach Podcasts mit hoher Qualität, die du genießen kannst. Es ist die beste Podcast-App und funktioniert auf Android, iPhone und im Web. Melde dich an, um Abos geräteübergreifend zu synchronisieren.

 

Kurzanleitung