Future Proofing Your Retirement Income

[@TomSlatter-t8r]

With interest rates coming down now, I do like ETFs that have a dividend element to them. The quality element of the ETFs here is nice too, so that there is some meaningful upside in the actual value of the ETF.

[@rexblackstream7050]

What about ring-fencing the 25% tax free amount and going into drawdown and first drawing the 25% over a number of years until it is exhausted and then drawing the remaining taxable amount over remainder of your life? Basically delaying paying tax. Everything remains invested within the pension plan.

[@mechthildhaeussler5736]

In my opinion, anybody who is managing buy-to-let property, is not a retiree, but actually running a business. As I experienced, it can easily wrack your nerves, become difficult once you get older (and when you outsource it, profitability decreases often to 0).

[@369dabbler]

It’s about contacts and the way you treat tenants. I’m out the uk 6 months per year and not owed a penny

[@akosiamarillo]

If all else worked out as planned, me and my wife will have DB pensions, state pensions and a S&S ISAs. I hope this would be enough.

[@BuyVWRD]

Great video! Would be interesting to understand how big your pension pot would need to be to generate various income levels

[@Exposure2life]

Ramin covered dividends in a previous video. He said whatever you do, don't sell the units invested in the dividend paying portfolio. Ramin likened this to killing the goose that lays the golden eggs. Coincidentally, it's also what the giant advised when he said, "Fe fi fo fum!"

[@fredatlas4396]

Surely the best way to take retirement income is from total returns ie dividends and capital gain. Just take a lump sum once a year this seems to be the recomended route. Check out Ben Felix videos on this subject, he explains why a dividend portfolio isn't a good idea

[@chrismclean2989]

35 years NIC ain’t enough for a full state pension if you were opted out for a period. I worked 44 years and paid a lot of Nat Ins (much over the minimum amount) but I don’t get the full basic state pension because my employers scheme opted us out for a while….

[@richardyates7280]

I looked at quality dividend ETFs but they didn’t seem to keep up with inflation over 10 years. I would be happy to find one that both matched inflation in capital growth and paid a rising income. Perhaps that is attempting to square the circle.

[@kieron8051]

JEPG - Global Equity Premium Income looks okay.

[@pmbuk80]

Just hope this government don't mess about with isas in October and put a lifetime cap on them.

[@frederickwoof5785]

Don't forget if one of a married couple has only the state pension as income. The other partner can claim some of the others tax allowance.

[@chrismclean2989]

35 years NIC ain’t enough for a full state pension if you were opted out for a period. I worked 44 years and paid a lot of Nat Ins (much over the minimum amount) but I don’t get the full basic state pension because my employers scheme opted us out for a while….

[@davidpearson243]

Your employer might have opted you out of SERPS A SERPS pension is a scheme that you could have paid into to qualify for the additional state pension which is paid out on top of the basic state pension. You will still receive the full state pension after 35 years of contributions