About this episode
It's time for another Listener Questions session! This week we cover commercial property in pensions, ethical investing, inherited pensions and so much more. Shownotes: https://meaningfulmoney.tv/QA16 01:02 Question 1 Hi Peter / Roger, Many thanks for all the wisdom plus superb book, you two really make my week with the banter. I always hear about DB and DC pensions but wondered if you'd ever cover the following: Many business owners like myself own buildings outright (as a pension) within a Commercial Sipp and then loop back into this rental payments. Also, within this using a GIA for diversified investments including cash lump sums for tax relief when possible. I'm heading North of sixty soon and feel its time to start thinking of the exit plus implications. It would be fantastic to hear your advice on these in the future. Best Regards, Steve 05:47 Question 2 Hello Pete Can ethical investing beat inflation? Myself and my husband are both 63. We retired at the end of last year, having sold the business we have run for the majority of our working lives. We have some small DC pensions and a SSAS which includes a commercial property. We both have cash ISAs. I've done some research, helped massively by your podcasts and YouTube videos, so thank you so much for these. From what I have learned I understand that we need to invest the cash from the business sale in Global Equities. We also need to look at the investments within the SSAS which, up to now, the SSAS provider has managed. Cash in the SSAS also needs to be invested. Is there a way of picking a Global Index Tracker which is ethical and will beat inflation and that requires minimal management to keep fees low? I realise that we need to look at our cash accounts too with this in mind. Many thanks for all your excellent resources and advice, the fog of financial planning is starting to clear and I'm feeling less panicked about being able to manage the money for our future. Kind regards, Rachel 12:52 Question 3 Dear Pete and Rog, Your podcasts have been a real source of steadiness for me over the past few years - a pair of reliable voices amidst the wider financial chaos. I'm writing with a question about nominee (beneficiary) pensions. Sadly, my father passed away recently, and I've inherited half of his private pension pot - around £70k from a total of £140k. It's been set up as a nominee pension, which I understand allows the money to remain invested and grow tax-free, with flexible access at any age. This has been a significant and unexpected legacy, and it's opened up the possibility of scaling back to part-time work well before the official retirement age. (I'm in my late 30s, so there's still a way to go, but it's a big deal for me and brings more options for me) I don'
