HOW TO INVEST 10K, 10K-100K+, 200K-500K, 500K+

[@parapilot09]

The desk scene looks best by far to me Chris. I really liked it and with the occasional B roll added in.

[@chrisbourne-retirementplanner]

Thanks Ian 👍🏼 It’s 2-0 to the desk so far!

[@cryptobiblechannel8880]

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[@sweetfreedomGB]

Having looked at possibly dozens of investment channels, I can say with some authority that this is one of the very best. I particularly like the fact that there is no crypto nonsense here.

[@chrisbourne-retirementplanner]

That’s a great compliment. Thank you! 👍🏼

[@chrisbourne-retirementplanner]

Thanks Steven! That’s really good feedback to receive 👍🏼

[@cryptobiblechannel8880]

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[@whatquote1084]

Desk background for me. It fits nicely with the topic of tax free investing nicely. Love your videos. Your expertise and presentation skills are excellent. A stand out on YT for me.

[@chrisbourne-retirementplanner]

Thank you very much I really appreciate that!

[@jaystennett2658]

I love your honesty and realistic views before investing.

[@chrisbourne-retirementplanner]

Thank you Jay I appreciate your comment!

[@raquel8042]

Definitely desk for me. Feels like we’re having a chat…well I’m just listening anyway! Just found your channel and soaking up all the info. As a stay at home mum with limited earning potential right now I’ve really appreciated the videos on maximising savings and investing. Thank you 👍🏽

[@chrisbourne-retirementplanner]

That’s brilliant to hear Raquel. It’s very rewarding when I know that the tips I’ve given have helped people make positive changes. I think most people preferred the desk so I changed to a desk presentation from this video onwards.

[@MrAFS99]

Prefer the blue background as less to be distracted by. Also would appreciate a video breaking down SIPPS and workplace pensions (Specifically NHS ones if poss) - I'm 22 and have no real idea on pensions as not taught anything in schools but have a good grasp of ISA's so far etc!

[@chrisbourne-retirementplanner]

Thank you for your comment and feedback - much appreciated. Yes there is a lack of financial education in schools for sure. I have done one or two videos on SIPPs - check out my UK tax planning playlist. I do intend on doing a vid on workplace pensions.

[@cabbageseagull4034]

Slightly prefer the blue screen 👍 that and the front on camera shot makes the video flow better imo...if that makes sense.

[@chrisbourne-retirementplanner]

Thank you for your comment! I really appreciate the feedback.

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[@katherinegeorge4945]

I prefer the desk.

[@willie011073]

Either style is good, the oration is still very endearing, although I'd stick to front on only. Comedy clips also very welcome. Video suggestion..... Maybe the Ins and Outs of SIPPS.... Carry forward etc etc. Being self employed with a net of

[@chrisbourne-retirementplanner]

Thanks Willie. Great comment - thanks for your suggestions.

[@cryptobiblechannel8880]

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[@Huxley350]

Tax planning is always so much more effective than complex investment instruments- great video Chris.

[@chrisbourne-retirementplanner]

I agree! Thanks very much I appreciate your comment 👍🏼

[@billmccreath9930]

Another excellent video Chris. Prompted some questions for the local IFA I'm meeting next week. Oh and I like the office setting.

[@chrisbourne-retirementplanner]

Great Bill! Glad to hear you’ve got that booked in. Thanks for your vote on the setting 👍🏼

[@jubaymc5875]

Just what I asked for. Thank you. 👍🏾

[@chrisbourne-retirementplanner]

You’re very welcome! Thank you for the suggestion and I’m glad you enjoyed it! 👍🏼

[@cryptobiblechannel8880]

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[@rhinobulldog]

Hi Chris, ive used all my allowance for my ISA for the year and i have £20000 invested in a general account. Should i put this in my SIPP, leave it in my General account or wait and and put it in my ISA next year? I cant get my head around selling my General account which I bought at a lower price and buying the same shares back in a SIPP or an ISA at a higher price. Thanks for any advice Ian

[@chrisbourne-retirementplanner]

Hi Ian. Thanks very much for your comment. I can’t say without understanding your full circumstances what to do with the £20,000, but in answer to your other point about selling and re-buying… all you would be doing is simply replacing the assets at the same price. Your gain is locked in by the sale and you then repurchase the same assets through a more tax efficient wrapper at pretty much the price you sold them for. It is essentially the same as not selling the assets and them continuing to grow in the current environment, but if you did that the growth would not be sheltered from tax in the same way as if you moved the assets into an ISA or a SIPP. Hopefully that makes sense?

[@carolinavonscharten478]

I like the desk as a background.

[@chrisbourne-retirementplanner]

Thanks Carolina. It’s the popular choice!

[@StokeseyHD]

I like the desk for when you’re chatting and don’t need charts / diagrams. The blue screen works better for certain videos

[@chrisbourne-retirementplanner]

Good comment Callum - would you say then that if I’m doing a bit more of a deep dive into something the blue screen is better, but if I’m doing something more informal my desk is a better setting?

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[@MrWhoAmI57]

Great video as always! Couple of things to point out. On the pension allowance, I believe you can utilise any unused allowance in the past 3 years? If this is the case, assuming you haven't been maxing out your pension every year you could add more to your pot beyond the £52k mark you mentioned before you contribute to a GIA? Also, purely from a tax efficiency POV British legal tender gold coins are subject to no capital gains

[@chrisbourne-retirementplanner]

Yea that is a good point - carry forward can certainly be utilised. Your income still needs to substantiate the full contribution though… i.e to make a £70k contribution, you’d need to be earning £70k in the current tax year. Unfortunately you can’t carry forward years that you’ve missed based on your earnings in those tax years - your contribution can only match your earnings in the current tax year. Nice mention on the gold coins I must admit that hadn’t come on my radar before! Direct gilts are exempt from CGT as well, but few people hold substantial amounts of gilt stock privately.

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[@myob1kenobi]

Excellent content, thanks Chris, i've been gearing retirements investments to be as tax efficient as possible for a number of years, always good to hear more tips around this. How about doing a future piece on investments for our kids, i transferred my daughters government trust funds, which basically earned very little interest into Vanguard Jisa's which are doing much better, also setup pensions for them, but would appreciate more tips around this . Big thumbs up 👍👍👍👍

[@chrisbourne-retirementplanner]

Thank you Mike much appreciated. Well done on getting those set up. I did do a video a while back called How To Make Your Kids Millionaires. I will probably update older content in the future as it will need a refresh.

[@positiveandhealthy2728]

This video really helped me to recollect myself and my values, my goals, I know for sure these tips will help out. 😊

[@chrisbourne-retirementplanner]

That’s great to hear… thank you for that comment!

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[@chrismckee2799]

Great video as always! Nicely boiled down to the key points avoiding all the complexity. A bit of a niche topic but excess reportable income seems to be an eggshell that a lot of people don't know about. Might be worth a video in future? Haven't fully got my head around it!

[@chrisbourne-retirementplanner]

Thanks Chris! And thank you for your suggestion!

[@RiggyRonnie]

Currently at around 30k in the market, I have another 40k I could throw in my goal is 100k my EOY, would be possible if these growth stocks ever bounce back

[@chrisbourne-retirementplanner]

Well stranger things have happened David, but growth stocks are up against it at the moment.

[@zoe440]

Thanks Chris. This might be a silly question, but I'm not earning at the moment (full time mum). Can I still invest in a sipp with Vanguard? Or best to go all in with the S&S ISA? Thanks!

[@chrisbourne-retirementplanner]

Hi Zoe. No problem. You can invest in a SIPP but your contribution would be limited to £3,600 gross. It is certainly worth considering the SIPP contribution because it would actually cost you only £2,880. The remaining £720 would be added via tax relief.

[@chrisbourne-retirementplanner]

That £3,600 can be paid in every tax year by the way.

[@SteveDuts]

Another fantastic video, great content and information. I prefer the desk, seems more personal.. but do what ever is easier for you. I’m guessing most of us watch for the information over the background 👍🏼

[@chrisbourne-retirementplanner]

Cheers Steve. Good to change it up a bit and glad it came across well.

[@hookedonfinance]

I like the blue background more because the desk one can be distracting, in my opinion. The video was excellent, as always. Keep it up!

[@chrisbourne-retirementplanner]

Thank you! There have been fans of both to be honest. As long as you still enjoyed the vid though, that’s great 👍🏼

[@natakijean-baptiste1746]

@@chrisbourne-retirementplanner You do what’s best for you

[@AnjleeBhatt]

One point to add is that only employment income qualifies as pensionable, otherwise the limit is a £3600 gross annual contribution. I would love to know your thoughts on possible changes to this limit, if investment income taxes were to be closer aligned with income tax bands in the near future?

[@chrisbourne-retirementplanner]

Yes only salary income counts as mentioned… sometimes people ask if dividends count, but they don’t of course. Only income through employment on which income tax is paid is counted. The limit of £3,600 has been there for many years. I’ve never heard any rumour of it changing or even being considered for review. In many ways, it is extremely generous - it allows people with no earnings to receive £720 in tax relief for free every year, and even potentially take that money out totally tax free as well if withdrawn within the personal allowance.

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[@CrystalField1889]

Great video Chris. Question pls, several financial speakers have been saying another crash of the shares/stock market is looming. Truth be told these crashes come every 8-10years. What’s your view on this pls? And how can one ever truly make money from investing long term in stock market if it crashes every ten years?

[@chrisbourne-retirementplanner]

Great question Simon and one I relish… markets will crash - that is a natural part of the journey, but each crash leads to a recovery that takes values beyond the previous peak. Just look at stock market charts over the past 100 years… the long term trend is always upwards. If you back the fact that companies will always exist and will always continue to drive the world’s economy forward, you will make money simply by owning the market. Just look at the Dow Jones over the past 100 years - it’s not a straight line, but ultimately it heads in one direction. There will be companies that rise and fall, but commerce will always survive and succeed.

[@CrystalField1889]

@@chrisbourne-retirementplanner Thanks Chris. I get your point. Invariably does mean don’t sell your stock/shares when the market crashes? Ie say one has an investment pot worth £50k at the peak and then market crashes and same pot is now worth only £6.5k. You hold onto it till the grow back in the next peak? Cos if one sells you will only have 6.5k cash to invest in next peak will buy less assets

[@chrisbourne-retirementplanner]

Yes absolutely Simon. Rule number 1 is never sell following a crash - it’s generally an opportunity to buy more - the market is on sale. That would be a hell of a fall from 50k to 6.5k though… there hasn’t been one like that since 1929.

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[@ba8898]

The desk view is better. And no need for the side camera shots IMO ;)

[@chrisbourne-retirementplanner]

Thank you! Great to get feedback 👍🏼

[@trouty00]

Agreed, save yourself the editing headaches, might work if your are being interviewed or have someone with you but otherwise feels unatural, generally the humour, b roll, images etc is enjoyable

[@chrisbourne-retirementplanner]

Cheers Stu. I’ll definitely take this on board 👍🏼

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[@trouty00]

That said, if you have another angle and talk face on, it could be used for making certain points or to mix it up but not really needed. Could add a little production value though.

[@Manc-fh5we]

Love the channel. Comments welcome on this particular scenario. I’m currently 61 and considering retiring 5 years before I’m due to receive state pension. My aim is to receive a regular income of £1,900 pm net. Finances wise I’m currently drawing a final salary pension of £6,120 pa gross £30,000 parked up in a std life policy as I’m still working full time. My current company pension pot now stands at £226,000. My plan is to take £6,000 pa from the std life policy for the next 5 years together with my current pension. That would give me £12,120 pa (tax free) My question is what kind of yield would my current pension pot of £226,000 pa over the next 5 years interest wise?

[@chrisbourne-retirementplanner]

Hi there. It’s really impossible to say what the yield will be over a period like that so I wouldn’t want to guess. The withdrawal figure of £6k from a £226k pot plus workplace pension doesn’t sound unrealistic though at less than 3% pa. Growth is never guaranteed of course, but this is within the realms of what is considered a sustainable withdrawal.

[@Manc-fh5we]

@@chrisbourne-retirementplanner Thanks for the feedback Chris.

[@paulspencer153]

Hi I have 20k to invest. I have a lot of fixed safe investments through a bank that gives me 4% at the moment and I take it as a monthly payment. I fancy using the 20k on stocks and shares (with risk) Is it it worth going through a financial advisor. (one is only down the road) Haven't a clue re stocks and shares - I am 70 years young so my main income is pensions

[@chrisbourne-retirementplanner]

It may be Paul if you feel you need the reassurance of going through the process with somebody who can explain different risks and implications. It is possible to invest directly and there are some great resources to help you understand risk and differences between asset classes like stocks and bonds. Generally, the key things are to keep costs under control and to have a wide exposure to the global stock and bond markets if you haven’t done much investing before.

[@gilestaylor2957]

Enjoying the content, nice and concise. What would you do with your emergency fund to make the most of it while keeping it accessible? Cheers

[@chrisbourne-retirementplanner]

Thank you Giles. I would simply try to get the best rate of interest that I could, but an emergency fund needs to have zero capital risk and be immediately accessible, so there is little that can be done other than that. It shouldn’t be viewed as money to grow though - it is simply an insurance policy. The important thing is not having too much of an emergency fund - that’s as bad as having too little of one.

[@gilestaylor2957]

@@chrisbourne-retirementplanner thanks for the reply and all fair points. Shame to have it just sit there doing nothing and effectively lose value over time. Considering a 20/80 safe life strategy and putting a little more in to cover any dips if it's needed in the short term.

[@chrisbourne-retirementplanner]

Even high quality bond funds can fall in the short term Giles, and the expectation of return from that particular fund would be barely higher than cash. You have to consider whether the potential pay off is worth it - if you have £10k in a bond fund with an expected return of about 2%, versus an account paying you let’s say 0.25%, your potential additional gain is £175. The trade off is though that in order to gain that £175, you have to accept that your money could fall by £500-£1000 just before you need it. It’s not a sufficient pay off for the additional risk in my opinion. The growth in other parts of your portfolio should far outstrip the loss of spending power on your small emergency fund over time. Look at your money as a whole rather than the emergency fund in isolation. Liquidity is just one aspect of portfolio management that comes at the expense of growth… growth is another aspect that comes at the expense of capital risk. All of this is part of efficient money management.

[@gilestaylor2957]

Thanks Chris. Really good points, certainly made me think about this. Much appreciated.

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[@martinpage253]

Re Vanguard ISA and General account. Would you have to sell the ETF's you hold in the General Account before reinvesting into the ISA at the start of a tax year?

[@chrisbourne-retirementplanner]

Yes you would Martin. You have to dispose of the holdings in the GIA before purchasing them in the ISA wrapper. Many companies allow these transactions to be performed simultaneously through their bed and ISA facility.

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[@declangeran7328]

Hi Chris. abit late to the party on this video. I have a question. Just due to my lack of understanding. I am looking at setting up a personal pension. Obviously for the bonuses of tax relief. Would I just pay into the pension the same way I do for life strategy fund for example. Or can I get the tax relief before it is taxed on my payslip?

[@chrisbourne-retirementplanner]

Hi Declan. If paying into your own personal pension, the tax relief is added on top of what you pay in by the pension provider, who then claims the relief back from HMRC. You can invest into funds like LifeStrategy through a pension.

[@rwsteward10]

Great video

[@chrisbourne-retirementplanner]

Cheers Ryan glad you liked it.

[@elharrop]

Desk is best as more human and down to earth

[@chrisbourne-retirementplanner]

Thank you 😊

[@shareenakhter727]

Hi Chris if you sell buy to let property and reinvest in another property in the same tax year. Do you still have to pay cgt.

[@chrisbourne-retirementplanner]

Yes, CGT would still be due.

[@shareenakhter727]

Hi I prefer the desk

[@gordonjames8233]

Another top video Chris. You offer a refreshing angle to investing rather than the usual "portfolio reveals" or "best Vanguard ETFs". One question about GIA. Are the gains taxable only when you "cash out" and actually pocket the money (if you've gained of course). So if you leave it in the GIA and it goes up in value after five years you only declare the profit in your SA if you take the profits out (and they exceed £12.5k)?

[@chrisbourne-retirementplanner]

Thank you Gordon! Yes I do try to steer clear of the cookie cutter stuff. You’re correct on the GIA - tax is only paid on an investment when the gains are realised. If the GIA pays out income in the form of dividends or interest though, that is potentially taxable if it exceeds your allowances.

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[@BeautifulNaturalDramatic]

Very useful compact video about Investing different amounts

[@chrisbourne-retirementplanner]

Thank you as always. Glad it’s useful 👍🏼

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[@svensvlinken7583]

A question if i may please, which providers offer the investment bonds that you speak of, i only seem to be able to find information on fixed income type bonds when searching online?

[@chrisbourne-retirementplanner]

Hi Sven. You won’t be able to open an investment bond directly. Providers will always require that this is done through an authorised financial adviser.

[@svensvlinken7583]

@@chrisbourne-retirementplanner Thanks for the quick reply, much appreciated indeed👍

[@umairhamid2576]

Brilliant video Chris. What's your opinion about Junior ISAs in addition to normal ISAs so effectively putting upto £29k in the ISA wrapper every year. I understand that the funds in JISA will belong to the child on adulthood but that's fine as I see it as a tool to avoid inheritance tax. Also, thanks for flagging investment bonds. I need to read up a bit more to see which one might work better for inheritance tax planning.

[@chrisbourne-retirementplanner]

Thank you Umair! Well the good news is that JISAs avoid the parental settlements rules, so contributions can be made without the income becoming taxable on you. The contributions will be gifts though, so any gifts in excess of £3k per annum will still form part of your estate as a PET for 7 years. As you have already noted, it is the child who has full control at 18. Re investment bonds, it is generally the trust used rather than the bond itself that determines the IHT efficiency. Advice is usually always required in this area.

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[@blah4306]

Great content yet again, I prefer the desk scene but with a Derby County screen saver on the PC #DCFC

[@mrdan7740]

Nottingham Forest would be better!

[@chrisbourne-retirementplanner]

Haha… loving the east mids bants! Wolves ay we.

[@blah4306]

@@chrisbourne-retirementplanner went to Molineux in the 90's to watch Wolves v Derby (2-2) which was also on the Central Match Live haha!! Great days

[@chrisbourne-retirementplanner]

I was probably there! The 90s was a frustrating decade of near misses for the Wolves, but that’s the same for fans of most clubs I guess.

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[@nunchuck7341]

Hi Chris , thanks learned a lot off you. , wonder if you can help. I have a final salary pension £231k. From old company and a current workplace one £213k. I am 60 yrs old in may. And want to retire in two yrs. just opened a sipp the vanguard Life strategy 80% paying in £240 per month. Also I should get £180k from house sale. Moving to Asia So what do you think my best plan would be. Kind regards

[@chrisbourne-retirementplanner]

Hi there! I can’t really advise on here, but you may benefit from advice on your situation. The fact you are moving to Asia may mean you need to find out what rules exist where you’re going to re taxation of benefits. You should explore whether it is best to keep defined contribution pension as a UK pension or move to an overseas scheme.

[@AquaAlex1]

Great content 👌🏼

[@chrisbourne-retirementplanner]

Cheers Alex 👍🏼

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[@BeautifulNaturalDramatic]

Very useful video

[@chrisbourne-retirementplanner]

Thank you! I’m really pleased you’re getting value from my videos.

[@minimad8793]

sorry, just re watching this again. so if the annual allowance is 40k if you earn this much, then does a combination of salary and pension income in payment, still qualify for the 40k limit?

[@chrisbourne-retirementplanner]

No, only earned income (I.e. salary or self employed earnings) is allowable for the purpose of making pension contributions.

[@minimad8793]

@@chrisbourne-retirementplanner Thanks Chris for clarifying this. Glad I asked before increasing my pension contributions. Well I guess the ISA will be getting a bit more love :)

[@jeremy3020]

Very intelligent and well-spoken. Reminds me of how I made my first million investing aggressively in stocks trading, with the help of a licensed broker I met at a finance seminar in Europe who trades my funds for me.

[@chrisbourne-retirementplanner]

Thanks Jeremy I appreciate your comment 👍🏼

[@jhatt939]

I have 100,000 & change I need to invest in stocks, who trades for you and how can I reach out?

[@jeremy3020]

@@jhatt939 Okay, she is known as Erlinia Jedraa Barrett. Look her name up.

[@mattelvis1866]

An honest lady, a friend from Ireland referred me to this same lady Erlinia Jedraa Barrett & she trades for me currently. I started with 205k in a few months I've made over 870k. She’s amazing. Cheers🌹🥂

[@Larryjazzy271]

​@@mattelvis1866Can you refer me to her, please?

[@jacmac9996]

Chris...fantastic info as always. I’m really loving and learning from your vids 😀 I just started a limited co last year after years being sole trader. Also opened a Vanguard pension too...finally, a bit late to the party. And popped in 20k through the company but I only earned 8700 PAYE. Do dividends count too or do I need to do some serious back tracking as this was over my paid salary? Thank you! Desk BTW...interesting set up and love your lights! ⭐️

[@chrisbourne-retirementplanner]

Thank you! Great comment - I’m really pleased to hear that my vids are helping. If you’re making contributions through a company you can (usually) pay in up to £40k per tax year, regardless of how much salary you pay yourself. This is because the tax relief is on the company (corporation tax deduction) rather than the individual (income tax). The rule essentially exists because HMRC won’t refund more income tax than someone has actually paid. They are generally happy for a pension contribution to be deducted as a company expense though providing certain rules are met (the company’s profits are sufficient to justify the contribution… the person who is receiving the pension contribution is playing an active role in the company… etc)

[@jacmac9996]

Phew 😅 thank you Chris!

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[@ADHDNurse79]

I like the blue screen 👍

[@chrisbourne-retirementplanner]

Thanks Louise! I appreciate the feedback 👍🏼

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[@royvethanayagam5888]

Bourne Investment. Superb.

[@chrisbourne-retirementplanner]

Thank you Roy! Glad you enjoyed it 👍🏼

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[@LeticiaFonsecamyf]

I like the desk as a background. Chris, thanks for the video. My question is: what if I want access to my money sooner than retirement age? I am 41 and thinking of retiring in the next 5 years. If I invest on my pension I will need to wait for a long time. Any ideas on how to save money on tax? Thanks for your videos! They are great! PS: I’ve reached out for a 121 consultation and if these are available, I’d love to book one.

[@chrisbourne-retirementplanner]

Hi there! Thanks for your great comment. I would say the other main tax wrappers would take precedence if you are planning a very early retirement (ISAs, investment bonds etc). Check this video out if you haven't already for more details on this: kzbin.info/www/bejne/mpqQcqJ7gKigors. I wouldn't completely exclude the pension because it could still be useful for later phases of your retirement, but more emphasis will need to be placed on other wrappers to bridge the gap. I don't think I've received your message re consultation? Have you emailed me at the address shown in my About section?

[@WherleyS]

Blue screen please.

[@chrisbourne-retirementplanner]

Thanks for your comment!

[@cryptobiblechannel8880]

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[@Your-Money-Mindset]

Really useful video Chris. Would love to be at the stage where we can invest over £100k in a year! Wouldn’t we all?! I really like your desk setup 👍👍👍

[@chrisbourne-retirementplanner]

Thank you! Yes it would be nice if everyone was in that category. We probably all will be in the year 2121 😊 The desk seems to be the winner from the comments I’ve had 👍🏼

[@Your-Money-Mindset]

@@chrisbourne-retirementplanner haha! For sure!

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[@kadeem.spencer]

Blue screen

[@chrisbourne-retirementplanner]

Thanks Kadeem 👍🏼

[@maewest68]

Desk is better, blue screen hurts my eyes.

[@chrisbourne-retirementplanner]

Thanks for your vote.

[@miscman10000]

Al desko is much better

[@chrisbourne-retirementplanner]

Cheers Stuart. 4-1 to the desk!

[@cryptobiblechannel8880]

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[@roconnor01]

NOBODY knows how stable their employment situation is.

[@chrisbourne-retirementplanner]

Some do more so than others. Some people are key employees in their business with skills and experience that would be extremely difficult to replace. If that business is also highly established and profitable, you could say that they have a stable position. Other people, particularly those in the public sector and with specific skills and training (like doctors and nurses) have robust employment positions. I have an extremely high level of confidence in my position… it is definitely something that some can be more sure of than others.

[@cryptobiblechannel8880]

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[@mariannerochelle.w4199]

Great video.

[@chrisbourne-retirementplanner]

Thanks Marianne glad you liked it.