![Bouncing Back](/img/default-banner.jpg)
- 115
- 879 684
Bouncing Back
United Kingdom
เข้าร่วมเมื่อ 28 เม.ย. 2020
Hi, I’m Helena bringing you tips to achieve Financial Freedom, plan your pension, how to save money and how to budget.
My channel is all about managing your money effectively, setting your financial goals, financial planning, and achieving financial freedom to shape the future lifestyle you want.
Here you can learn about:
- Money Management
- Financial Planning
- Budget Setting
- Financial Freedom
- Pension Planning
- Debt Management
- Being Motivated
- Goal Setting
- How to Invest
- How to save
By subscribing to this channel, you will be sure not to miss new videos; you may also follow me on Twitter, Instagram and Facebook.
th-cam.com/users/BouncingBack
My channel is all about managing your money effectively, setting your financial goals, financial planning, and achieving financial freedom to shape the future lifestyle you want.
Here you can learn about:
- Money Management
- Financial Planning
- Budget Setting
- Financial Freedom
- Pension Planning
- Debt Management
- Being Motivated
- Goal Setting
- How to Invest
- How to save
By subscribing to this channel, you will be sure not to miss new videos; you may also follow me on Twitter, Instagram and Facebook.
th-cam.com/users/BouncingBack
7 Tips to BOOST your PENSION
In hard times, it is all too easy to neglect our pension savings, but in doing so increases the likelihood of hard times in retirement. So here we look at 7 tips to boost your pension with minimal or no impact on your finances in the here and now.
***Related content***
Free Pension Advice: th-cam.com/video/sTN4W6pw8Dw/w-d-xo.html
Retirement Lifestyle Planning: th-cam.com/video/PHk63FhFF9s/w-d-xo.html
Pension Income Planning Series: th-cam.com/play/PLB1MO3Iu9GoGJomJ0SMOXk7d4MYa-P183.html
Interactive Investor - open a SIPP: clkuk.tradedoubler.com/click?p=303136&a=3212033&g=24865964
Interactive Investor - open an ISA: clkuk.tradedoubler.com/click?p=303136&a=3212033&g=24865968
***Support This Channel***
Buy Me A Coffee: www.buymeacoffee.com/BouncingBack
***LINKS***
The Richest Man in Babylon: amzn.to/3qjPrLe
Think and Grow Rich: amzn.to/3KS0sLq
The Little Book of Common Sense Investing: amzn.to/3CWt1oz
***EQUIPMENT USED***
Camera: Nikon D3200 DSLR: amzn.to/2NnWvps
Lens: Nikon DX AF-S NIKKOR 35mm 1:1.8 G: amzn.to/3tUIiBg
Camera light: Neewer CN-216: amzn.to/2ZdoM4L
Microphone: Boya Lavalier BY-M1: amzn.to/3rPJ1lh
Tripod: Tairoad T1-111: amzn.to/3afj60j
Camera batteries: Neewer compatible with Nikon D3200: amzn.to/3afiCY6
Lighting batteries: Neewer: amzn.to/3tPHWvL
Memory Card: Sandisk Extreme Pro 128GB: amzn.to/3b03Qnr
Tubebuddy: www.Tubebuddy.com/Bouncingback
Canva - use this link to earn a Canva credit for a premium element for free and I'll get a credit too: www.canva.com/join/splash-rein-pages
Legal Disclaimer - Some links found in the description box may be affiliate links, meaning I will make a small commission at no extra cost to you. I only recommend products that I use and like. Buying through these links is just one more way to support this channel and help it grow :)
Keywords:
Bouncing Back, pension boosting tips,7 pension boosting tips,7 tips to boost your pension, tips to boost your pension, ways to boost your pension, how to boost your pension, how to boost your pension income,7 ways to boost your pension, how to increase your pension, pension planning, retirement planning, pension planning uk, retirement planning uk, pension advice uk, pension wise, pension wise uk, pension wise stronger nudge, boost your pension, pension contribution
DISCLAIMER: This is NOT financial advice, it is financial education. Be sure to seek a professional financial advisor for advice tailored to your needs.
Follow me:
Twitter: @BouncingbackR
Instagram: @PARSON.HELENA
th-cam.com/users/BouncingBack
***Related content***
Free Pension Advice: th-cam.com/video/sTN4W6pw8Dw/w-d-xo.html
Retirement Lifestyle Planning: th-cam.com/video/PHk63FhFF9s/w-d-xo.html
Pension Income Planning Series: th-cam.com/play/PLB1MO3Iu9GoGJomJ0SMOXk7d4MYa-P183.html
Interactive Investor - open a SIPP: clkuk.tradedoubler.com/click?p=303136&a=3212033&g=24865964
Interactive Investor - open an ISA: clkuk.tradedoubler.com/click?p=303136&a=3212033&g=24865968
***Support This Channel***
Buy Me A Coffee: www.buymeacoffee.com/BouncingBack
***LINKS***
The Richest Man in Babylon: amzn.to/3qjPrLe
Think and Grow Rich: amzn.to/3KS0sLq
The Little Book of Common Sense Investing: amzn.to/3CWt1oz
***EQUIPMENT USED***
Camera: Nikon D3200 DSLR: amzn.to/2NnWvps
Lens: Nikon DX AF-S NIKKOR 35mm 1:1.8 G: amzn.to/3tUIiBg
Camera light: Neewer CN-216: amzn.to/2ZdoM4L
Microphone: Boya Lavalier BY-M1: amzn.to/3rPJ1lh
Tripod: Tairoad T1-111: amzn.to/3afj60j
Camera batteries: Neewer compatible with Nikon D3200: amzn.to/3afiCY6
Lighting batteries: Neewer: amzn.to/3tPHWvL
Memory Card: Sandisk Extreme Pro 128GB: amzn.to/3b03Qnr
Tubebuddy: www.Tubebuddy.com/Bouncingback
Canva - use this link to earn a Canva credit for a premium element for free and I'll get a credit too: www.canva.com/join/splash-rein-pages
Legal Disclaimer - Some links found in the description box may be affiliate links, meaning I will make a small commission at no extra cost to you. I only recommend products that I use and like. Buying through these links is just one more way to support this channel and help it grow :)
Keywords:
Bouncing Back, pension boosting tips,7 pension boosting tips,7 tips to boost your pension, tips to boost your pension, ways to boost your pension, how to boost your pension, how to boost your pension income,7 ways to boost your pension, how to increase your pension, pension planning, retirement planning, pension planning uk, retirement planning uk, pension advice uk, pension wise, pension wise uk, pension wise stronger nudge, boost your pension, pension contribution
DISCLAIMER: This is NOT financial advice, it is financial education. Be sure to seek a professional financial advisor for advice tailored to your needs.
Follow me:
Twitter: @BouncingbackR
Instagram: @PARSON.HELENA
th-cam.com/users/BouncingBack
มุมมอง: 5 110
วีดีโอ
WHAT is a SUSTAINABLE PENSION DRAWDOWN RATE?
มุมมอง 3.7K2 ปีที่แล้ว
Is the 4% rule for pension drawdown still relevant today? With current market conditions coupled with lower than average expected investment returns for the coming decade, we probably need to be reviewing our planned rate of pension drawdown. Draw down too much too soon and you could run out of money in retirement and faster than you think. Here we explore what a sustainable drawdown rate may l...
HOW to get FREE PENSION ADVICE with PensionWise
มุมมอง 1.8K2 ปีที่แล้ว
Over 50s can get FREE PENSION ADVICE from Pension Wise. This free pension service will help you understand your pension income options, how they will be taxed and what your next steps should be in your retirement income planning. It is totally free so why not take advantage. A link to Pension Wise is provided here for more information: www.moneyhelper.org.uk/en/pensions-and-retirement/pension-w...
ACTIVELY Managed FUNDS VS INDEX FUNDS Performance - WHICH IS BETTER?
มุมมอง 9912 ปีที่แล้ว
Are active funds worth the fees and expense ratios you have to pay? Here we look at the data comparing actively managed mutual funds vs passive index tracker investments and see which one is best. Even those star out-performing funds, can they maintain their stellar performance or are you just as well to keep things cheap and simple in a low-cost index tracker fund? Related content Where to Inv...
HOW to Become a PENSION MILLIONAIRE - 5 Top Tips for a MILLION POUND RETIREMENT
มุมมอง 4.1K2 ปีที่แล้ว
With 1 in 5 pensioners said to be pension millionaires, we look at how to achieve this feat with five top tips for becoming a pension millionaire. Related content No savings at 50: th-cam.com/video/UAVg3xBCRG4/w-d-xo.html The Tyranny of compounding fees: th-cam.com/video/BznKBff0_ls/w-d-xo.html Invest Early: th-cam.com/video/6IAUlW7fLDg/w-d-xo.html Pensions for kids: th-cam.com/video/aoNjS7LGz7...
6 WAYS to PAY LESS TAX
มุมมอง 1K2 ปีที่แล้ว
Here we look at 6 ways to pay less tax ranging from exploring tax allowances such as renting out your drive to what type of gingerbread man biscuit to buy. We cover a range of tax-saving tips to help you keep more of your hard earned money in your pocket both now and in the future. Key topics we look at include: - savings and investments - second income - shopping - marriage allowance - salary ...
5 WAYS you are PAYING MORE TAX
มุมมอง 5422 ปีที่แล้ว
Episode 1: Here we look at 5 ways you are paying more tax - and you may not even realise you are paying more tax with many taxes having been frozen so don't get caught out. Rising prices of housing, energy, food and basically everything is meaning we are paying more tax. The Government will of course benefit to the tune of being billions of pounds better off. In Episode 2 we look at ways you ca...
How to AVOID DEBT with the RISING COST OF LIVING
มุมมอง 6472 ปีที่แล้ว
Can you afford the rising cost of living or will you end up in debt? Even those of us who have managed a healthy balanced household budget could rapidly see ourselves being plunged into debt due to the rising costs of living. Rising energy prices are the real big impact and those of you who are not yet suffering the increase in the price of gas and electricity - be warned - the outlook is bleak...
5 COMMON MISTAKES with PENSIONS and HOW to AVOID THEM
มุมมอง 2.2K2 ปีที่แล้ว
Making mistakes with both pension planning and your retirement income choices is common. Here we look at five common mistakes people make with pensions and retirement choices and how you can avoid them. Related content Your not saving enough into your pension: th-cam.com/video/KUFuxfRtYbc/w-d-xo.html Pension Income Planning special Series: th-cam.com/play/PLB1MO3Iu9GoGJomJ0SMOXk7d4MYa-P183.html...
5 WAYS to INFLATION PROTECT Your PENSION
มุมมอง 1.8K2 ปีที่แล้ว
High inflation is concerning yet there are ways we can protect against it and especially with our pensions. We look at 5 key areas: 1. Inflation & Pensions 2. Reduce Expenses 3. Reassess Emergency Fund 4. Reduce your Fees - and the Larry Bates T-REX score is a real eye-opener 5. How to inflation proof your pension Related content Larry Bates T-REX score: larrybates.ca/t-rex-score/ After seeing ...
YOU'RE NOT SAVING ENOUGH for your PENSION - PENSION INCOME PLANNING
มุมมอง 2.6K2 ปีที่แล้ว
The chances are most people are not saving enough into their pension. Now with high inflation this could mean we need to be saving even more, especially if this high inflation sticks around. Here we explore: 1. How to work out your retirement income need 2. How to re-evaluate that income need with high inflation 3. How much you need in pension savings to generate that level of retirement income...
WHY you should INVEST EARLY in the TAX Year to grow your wealth
มุมมอง 6622 ปีที่แล้ว
Delaying investing can cost you tens of thousands of pounds in lost investment returns. Here we look at the advantages of investing both early in the tax year and early in the month if you do regular monthly investing. Related content Open an account with INVESTENGINE: investengine.pxf.io/2rK4Rg (T&Cs apply) Your capital is at risk when investing. InvestEngine (UK) Limited is Authorised and Reg...
HOW to OPEN a SIPP with Vanguard - STEP-by-STEP GUIDE
มุมมอง 2K2 ปีที่แล้ว
Make the most of your pension tax relief allowance and consider opening a Self Invested Pension Plan (SIPP). Here I show you the simple process of opening a SIPP with Vanguard. Related content Pension Income Planning Series: th-cam.com/play/PLB1MO3Iu9GoGJomJ0SMOXk7d4MYa-P183.html Where to Invest Series: th-cam.com/play/PLB1MO3Iu9GoGqATnPwj4fFcjqdgMXPptV.html Support This Channel Buy Me A Coffee...
HOW to CHOOSE INVESTMENTS for your SIPP with INTERACTIVE INVESTOR
มุมมอง 2.9K2 ปีที่แล้ว
Interactive Investor making investment choices simple with their Quick Start Funds, ready-made portfolios, Super 60 list, ACE40 and their Investment Pathways to guide you through drawdown. They also provide a super competitively priced SIPP product which we look at in more detail in this video. Related content Open an account with Interactive Investor: Open a SIPP: clkuk.tradedoubler.com/click?...
How to choose LONG TERM Investments for your SIPP and ISA
มุมมอง 9622 ปีที่แล้ว
Here we look at how to build a simple long-term investment portfolio, how to keep your costs down and I give examples of how I chose investments for long-term growth. Related content Pensions for Children: th-cam.com/video/aoNjS7LGz74/w-d-xo.html ISA or SIPP: th-cam.com/video/jf9tM56IqEU/w-d-xo.html SIPP Workplace Pension: th-cam.com/video/lQkLAuCjhWg/w-d-xo.html Pension Planning Special Series...
FEE FREE Investment Platform with InvestEngine
มุมมอง 6022 ปีที่แล้ว
FEE FREE Investment Platform with InvestEngine
INTERACTIVE INVESTOR Review - NEW FEES BETTER VALUE
มุมมอง 2.5K2 ปีที่แล้ว
INTERACTIVE INVESTOR Review - NEW FEES BETTER VALUE
Should I INVEST SAVE or SPEND in an uncertain world?
มุมมอง 1.3K2 ปีที่แล้ว
Should I INVEST SAVE or SPEND in an uncertain world?
How To KEEP MORE of your INCOME & PAY LESS TAX
มุมมอง 1.5K2 ปีที่แล้ว
How To KEEP MORE of your INCOME & PAY LESS TAX
SHOULD I have a SIPP AND a WORKPLACE PENSION
มุมมอง 4.4K2 ปีที่แล้ว
SHOULD I have a SIPP AND a WORKPLACE PENSION
INVESTENGINE vs VANGUARD- CHEAPEST WAY TO INVEST IN VANGUARD FUNDS
มุมมอง 2K2 ปีที่แล้ว
INVESTENGINE vs VANGUARD- CHEAPEST WAY TO INVEST IN VANGUARD FUNDS
Retirement Planning By AGE - DECADE-BY-DECADE 20 - 60 Pension Planning Checklist
มุมมอง 1.8K2 ปีที่แล้ว
Retirement Planning By AGE - DECADE-BY-DECADE 20 - 60 Pension Planning Checklist
How to Make your RETIREMENT INCOME Last Longer
มุมมอง 5K2 ปีที่แล้ว
How to Make your RETIREMENT INCOME Last Longer
HOW to RETIRE at 60 years old - Episode 6 Pension Income Planning
มุมมอง 26K2 ปีที่แล้ว
HOW to RETIRE at 60 years old - Episode 6 Pension Income Planning
TOP INDEX Funds to Build WEALTH - Episode 2 Where To Invest
มุมมอง 1.4K2 ปีที่แล้ว
TOP INDEX Funds to Build WEALTH - Episode 2 Where To Invest
Most POPULAR FUNDS in 2021 with Interactive Investor & Hargreaves Lansdown - Episode 1 ACTIVE FUNDS
มุมมอง 1.8K2 ปีที่แล้ว
Most POPULAR FUNDS in 2021 with Interactive Investor & Hargreaves Lansdown - Episode 1 ACTIVE FUNDS
State Pension AGE Going UP or DOWN? - Goalposts move again on UK State Pension Age
มุมมอง 9K2 ปีที่แล้ว
State Pension AGE Going UP or DOWN? - Goalposts move again on UK State Pension Age
HOW to MAKE an EXTRA 1500 a month - INCREASE your income with a SIDE HUSTLE
มุมมอง 2.7K2 ปีที่แล้ว
HOW to MAKE an EXTRA 1500 a month - INCREASE your income with a SIDE HUSTLE
7 Ways to BUILD WEALTH - How to get RICH starting from NOTHING
มุมมอง 2.5K2 ปีที่แล้ว
7 Ways to BUILD WEALTH - How to get RICH starting from NOTHING
Retirement income options with a £200K pension pot - Episode 5 Pension Income Planning
มุมมอง 38K2 ปีที่แล้ว
Retirement income options with a £200K pension pot - Episode 5 Pension Income Planning
The new standard of living calculations have increased by around 40% since this video came out 2 years ago 😳
Hall Sarah Smith Anna Martinez Patricia
I cam across something of intrest which i will share I am a landlord own a lot of investment properties in my own name the first one is debt if you remortgage the debt is offset against IHT so you can remortgage and just spend the money or gift it away 7 year rule the next thing i have found is with Land and property the estate wheich is inherited can pay the IHT over 10 years HMRC will charge intrest but it allowed the estate to remain in place and the rental income can pay the IHT
A friend of mine is an asylum seeker living in a hotel.. Will they get a state pension as well?
Inheritance tax?
👍
This is in USA?
£100,000 pot will give you bugger all income!
There are platforms which have 0 fees and you charge £12 each month
Labour trying to do away with state pension if you have a private pension or own 100percent of your home
Labours going to put it up to 55 % Scumbags well done to all you voted for them
Well presented--but absolutely nothing new. Why repeat the same advice given several hundred times every day online and in the press? The truth is this--there is NO magic 'silver bullet'. Cash in , buy or create a ltd company trading business--and after 2 years trading, THAT is as near as you can get to keeping your hard earned cash. Trusts? Go on--go down that line and faint at the fees and up front tax payable on your properties and savings! If you are over 60--it's simply uneconomical. So Helena--the best advice you give is the obvious one--Make a will--then spend now and create memories--and forget the rest! Peace and a long life to you all.😇
I thought Tories were about self improvement. I don't believe in inherited wealth , I believe in earning my own money. Just remember 4% pay inheritance tax and your dead when you pay it you pricks.
Great info , many thanks 🙏
I am 44 single have no kids. I have only £25K in my workplace pension pot due to being on low salary for 6 years before 2021. Now i am contributing £2500 a month into it trying to catch up. My goal is to generate £200K till i retire. I have only £20K balance on my mortgage. Thanks for the video.
There is no gender pay gap for exactly the same jobs.
It's myth that never seems to die.
Thank you for a very helpful & easy to follow video. I have subscribed.
Finding AVIVA very restrictive. I stopped ongoing advice due to cost and because of this they don’t allow phased drawdown! What’s the point of having a SIPP. Would steer clear until they address this.
Annuity income rates drops if you factor in inflation rise each year, otherwise you receive this fixed amount for life.
Gender pay gap - gender lifestyle choices
I have always assumed I just draw down the money from the pension provider…..is that not right?
I tried to open an account but was only given the option to transfer to vanguard?
Do you think with £1m pension and say 100k in cash a couple, it is possible to retire at 58yo on 50k a year, when wife will draw say 8k pension 2 year later, and full state pension kicking in at 67x2? Not sure whether I’ll have enough to retire at 58 and get my goal of 50k (no way will I draw more and pay 40% tax, I’m sick of paying 45% now)?
Why are people so optimistic that they will actually live long enough to benefit from 20 or 30 years of pension drawdowns. At 80 most people die or are too frail to do anything meaningful. So bear that in mind when running such calculations. Having some money left over when your dead will do you no good whatsoever
I miss this lady she was brilliant
The predicted income needs seem to assume that you own a property. How much income would you need if you were renting?
How do I check if I am getting my full pension
take the cash, buying a plan is a rip of unless u live to 100, and even then s&p pays more over year.
I’m in the same position
I think with only a 100k pension pot it becomes vitally important to be mortgage free, debt free and also still working part time to supplement your pension income.
A con to watch out for if you claim benefits. Your benefit entitlement letter and leaflets will say you get a NI credit for each week you claim the benefit but what they do not tell you if you do any work you do not get this credit. You find out a few years latter when you get a letter to say you do not have sufficient contributions for that year and if you want it to count you need to pay x amount of £s. I got caught out on this when I did agency work. Some weeks I would only have work that paid below the NI bracket so the DWP did not give me a credit. I appealed and got no where that is why when I am unemployed I do no agency or any job that pays below the national insurance bracket. Stupid as the Job Centre is encouraging you to take up part time work and building up your hours but at the same time jepodising your State Pension. Like my ex husband use to say you are in the system or you are not and you can get halfway between.
I will have a full state pension when I retire at 66 years and 9 months in 2027. Most of my working career I paid into Occupational Pensions so was contracted out of SERPs. With the new single tier state pension that came in April 2016 I found I needed 42 years to qualify and not 35 due the years I was contracted out. I found this annoying as us with Occupational Pension save the Goverment money as our entitled to means tested benefits reduces and in some cases we get no means tested benefits as all. Also us with Occupational Pensions Pay Tax.
How about telling us what the minimum state pension is ie 10 years of NI contributions as some may only have paid in for 10 years
Sent
Im old enough to remember the winter of discontent . Inflation hit 18% in 1980 (UK). I don't expect it to get that high again but it can go well over this 3% people keep throwing around. Maybe im missing something but what possible reason is there to spend a £200,000 pot to take £16,000 a year for a decade? (total£160,000)
There is no substitute for putting the effort in to understanding and controlling your own expenditures and your various sources of income. This approach is simplistic and misses out the importance of understanding and controlling expenditure
If I want to give my Sister and her family £10,000 each will they be libel to pay tX on this ,
Trying to plan ahead - inherited my wifes family home and it was seperated between me,my wife and my son . We have listed it as tenants in common and both named our son as the beneficiary of the deceased section of the ownership . Is this taxable - bearing in mind that the survivor doesn’t own the part that the deceased has left ! We have done the same with our main home - does tenants in common alter the validity of our main home claim ?
Thank you for posting this is very realistic
The FAs i have met want to charge me 1% for the pleasure of transferring my hard earned into their platform, 1-2 thousand pounds for setup fees and 1 to 1.5% per year incl fund costs for the pleasure of putting my money in tracker funds. Thanks but no thanks!
Easy to say 60, but many are still paying off mortgages at 60.
Pension millionaires are normally either one or both of the following: (1) those lucky enough to have a very good defined benefit scheme and (2) those who started working at 16/17 and have built up massive funds over time.
In the UK u will always pay tax even when you’re dead
Great information as always. Thank you. 👍🏆
It's disgusting how the Govt tells us how much we can gift out of our own money which has already been taxed.
Great Video Helena. I'm pushing for £3m in retirement split between a company pension, SIPP and Stocks and shares ISA. So important to have big audacious goals. Compound interest by way of regular investing and re-investing dividends can really build up over time to impressive amounts. Less than 30 days ago My whole portfolio was hovering around the £300k mark but with a nice upward trend over the last 3 weeks, before I know it I'm at £330k...£30,000 in 3 weeks! Blew me away to be honest. Just keep plugging away, the increases can seem small and insignificant in the beginning when the majority of your growth is coming from your own cash deposits. once you reach £100k though, a decent couple of days or weeks can add more to your wealth than a whole years worth of savings deposits. I personally invested £19k of my hard earned salary last year, for the whole year. In less than two months I should double that amount in growth!. It can seem like nothing is happening in the beginning, I certainly thought that when I was at £50k invested and that was only 11 years ago. All the best Everyone, you can do it. Just keep going and always PAY YOURSELF FIRST. Adam: @destinationwealth1 th-cam.com/channels/5WyrafveS4hg7yNiu4xdKQ.html
Where did you go to? Lost it all and got a job?
Great information. Thank you very much
Recently bought some recommended stocks and now they are just penny stocks. There seems to be more negative portfolios in the last 3rd half of 2023 with markets tumbling, soaring inflation, and banks going out of business. My concern is how can the rapid interest-rate hike be of favor to a value investor, or is it better avoiding stocks for a while?
Just ''buy the dip'' man. In the long term it will payoff. High interest rates usually mean lower stock prices, however investors should be cautious of the bull run, its best you connect with a well-qualified adviser to meet your growth goals and avoid blunder
❤
Appreciate the guidance, the analysis step is especially helpful. Great advice, move forward and don't allow paralysis to set in, thank you.