53 min

#65 Your Questions Answered: Tax, Retirement and Cryptocurrency Do More With Your Money Podcast

    • Investing

This week’s Q&A Podcast special covers a range of investment queries sent in by you. Our panel offer insight on topics ranging from Cryptocurrencies, gifting property, Pension contributions and investment strategy.

0:00 An investment and global market update from movements of the past week

13:50 We have a holiday home in Ireland, which we would like to gift to our children. Can we do that now and take it out of our estate, avoiding IHT liability?

18:00 Can I Increase my regular pension contributions to have a more affordable pension?

22:05 Do any of the True Potential Pension funds invest in crypto currencies? What are our views on currencies like Bitcoin? Do we think they should be part of a longer-term investment portfolio?

27:00 When I start receiving my state pension, I will exceed my tax allowance because of another draw down pension and one annuity pension. Is there a way of avoiding tax on the excess amount or if I no longer need the income from one of the drawdowns? Should I just stop taking that and allow the fund to grow and take my tax-free lump sum at a later date?

28:58 Does the growth rate I see in my account include the regular contributions I am making?

30:16 A recent article dated 14 April 2021 in the Financial Time bore the headline: Investors brace for a shift‚ as momentum and value collide. It quoted various factors including Value, Momentum, Quality, Volatility and Size as being in play when investors make their decisions. To what extent do these factors influence TPP's investment strategy and style, and in what proportions?

38:10: Are there any tips on how to manage combined pensions so as not to be hit by the lifetime pension allowance as the investment returns on Pensions grow?

40:49: Why has the FTSE not grown at same rate as the Dow Jones index in the last 10-year ratio Dow to FTSE was about double now nearer 5 times value. Part of the issue is currency valuation but has not changed that much. What is the underlying reason? Should we have more in US markets?

47:00 Will St James Park be the best stadium in the EFL Championship next season?

This week’s Q&A Podcast special covers a range of investment queries sent in by you. Our panel offer insight on topics ranging from Cryptocurrencies, gifting property, Pension contributions and investment strategy.

0:00 An investment and global market update from movements of the past week

13:50 We have a holiday home in Ireland, which we would like to gift to our children. Can we do that now and take it out of our estate, avoiding IHT liability?

18:00 Can I Increase my regular pension contributions to have a more affordable pension?

22:05 Do any of the True Potential Pension funds invest in crypto currencies? What are our views on currencies like Bitcoin? Do we think they should be part of a longer-term investment portfolio?

27:00 When I start receiving my state pension, I will exceed my tax allowance because of another draw down pension and one annuity pension. Is there a way of avoiding tax on the excess amount or if I no longer need the income from one of the drawdowns? Should I just stop taking that and allow the fund to grow and take my tax-free lump sum at a later date?

28:58 Does the growth rate I see in my account include the regular contributions I am making?

30:16 A recent article dated 14 April 2021 in the Financial Time bore the headline: Investors brace for a shift‚ as momentum and value collide. It quoted various factors including Value, Momentum, Quality, Volatility and Size as being in play when investors make their decisions. To what extent do these factors influence TPP's investment strategy and style, and in what proportions?

38:10: Are there any tips on how to manage combined pensions so as not to be hit by the lifetime pension allowance as the investment returns on Pensions grow?

40:49: Why has the FTSE not grown at same rate as the Dow Jones index in the last 10-year ratio Dow to FTSE was about double now nearer 5 times value. Part of the issue is currency valuation but has not changed that much. What is the underlying reason? Should we have more in US markets?

47:00 Will St James Park be the best stadium in the EFL Championship next season?

53 min