Neil Invests
Region: GB
Tuesday 26 August 2025 12:15:22 GMT
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Kieran Stewart :
if you're 19 u won't ever see Ur pension. it'll be up to about 80 by you're retirement age
2025-08-26 15:36:15
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PaulMorganMedia :
Don’t opt out of your pension as you are opting out of free money… invest on top if you can
2025-08-26 13:15:47
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sillybum4567 :
wish I was thinking this way at 19 though
2025-08-26 13:03:34
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Run_vic :
Change what your work pension is invested in
2025-08-26 12:30:55
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Jack Baker :
My work place pension is absolutely shocking as a plumber it’s going to be worth 80-90k predicted the time I retire which is very poor. If I invest that money into stocks and shares it should be worth over a million
2025-08-26 16:25:24
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farleftright :
Pension is best thing. I get 40% relief so my s+s must make 40% before it even matches my pension. I’m not anti stocks and shares. Have an account with trading 212 and wealthify but none will match my pension.
2025-08-26 17:11:38
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Mr C :
Great advice. So many only promote the market and talk massive gains rather than the whole picture of sensible long term investment.
2025-08-26 21:02:36
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Jimmy :
I have recently gone self employed, similar situation to yours. Please can we have a bit more info on self employed pension and making the most of gov benefits. I topped up my old workplace pension last year but I think may have been the wrong move..
2025-08-26 12:34:29
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Confusedcarguy :
Sorry everyone says tax benefits of pension but isn’t 75% of the payout taxed anyway
2025-08-26 19:32:46
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paulglovergopro :
you can I vest in S&P500 within pension. opting out is not a great idea especially if employer adds a contribution..
2025-08-26 21:54:02
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mohammedadam3708 :
Shall I tell you something. Your 19 Do both. Think about it. You can easily get 100 at least per month. Even before 30 you will ahead of the game.
2025-08-27 00:08:26
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user8293075448502 :
Losing out on employer contributions is nuts. You would never catch up with money lost in an isa. I wish I had that perk a lot sooner. Add salary sacrifice if available.
2025-08-26 13:44:47
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bort :
never opt out of workplace pension. tax free and company contributions are unbeatable.
2025-08-27 14:21:33
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Fortheloveofboxers :
My son is 20 and self employed so has no employer contributions if he did take out a personal pension ,so I thought to use his isa allowance for tax free returns into various stocks &shares was the best alternative
2025-08-26 18:50:42
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user2400707046097 :
A major benefit of a work place pension are the death in service benefits.
2025-08-26 15:13:14
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Ed Spinna :
what percentage of voluntary pension contribution would you recommend?
2025-08-26 12:23:33
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Harry3453 :
I’m 26 and didn’t bother with a pension. How would I work out roughly my total amount will be come retirement age?
2025-08-26 14:53:54
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Sooz :
husband who use to own a family business didn’t believe in private pensions, he sees the properties he had as his pension .
2025-08-27 06:13:15
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JudasTok :
I know the great benefits of pensions, but I just don’t trust the government they can’t help themselves but raid it and change the rules. At least with the ISA because less people have them it’s less of a cash cow for the thieves in Whitehall. Also with an ISA you have better liquidity. I can’t see people under 40 seeing their private pension until 65+
2025-08-26 20:24:59
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strategicallyher :
Honestly companies make managing your pension so difficult and some of the fees are so expensive. Still agree with alongside a pension to maximise the company match and the tax efficiency. To the commentor though there are options to self invest within the company pension wrapper if they are able to unpick how to do it …
2025-10-14 20:46:36
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m24dsr1 :
Before starting to invest how much savings should you have relative to income
2025-08-31 11:13:02
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sangeeta patel :
I have paid NI contributions for over 30 years but the earliest I can get state pension is at 67. Why have I been paying NI for so long, just so the Government can shaft me…
2025-09-14 19:38:51
2
carley🐱💗❤️🐱 :
depends if they drop the tfc element of it which there is whispers of....
2025-08-27 19:03:09
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Michal Stanik :
Hi Neil, what's your thought about moving existing pension fund to all world? Thinking of doing it but can't decide, I'm 42
2025-08-27 22:31:37
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DJ Markos :
depends what pension scheme you're in...some just match, others lkme lgps or nhs are 20 plus % employer contributions
2025-08-28 20:32:23
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