@nebihalllalparslan:

NebihaAlparslan1975
NebihaAlparslan1975
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Wednesday 12 August 2026 18:51:18 GMT
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💸 Pension tips - Part 3! 💸 How old are you? If you are in your 20’s, 30’s and early 40’s, you should be investing 100% into equities (shares). Bonds are an investment that carry lower risk and therefore the reward for investing into bonds is also lower 💰👎🏻 When you have such a long time horizon like you do with your pension, the risk of a negative return on stock market investments drastically reduces and the S&P 500 has never seen a negative return on the stock market when held for a period of 20 years or more 📈 So if you are holding investments in your pension for 30-40 years, it makes no sense to not have your pension invested in more ‘riskier’ items like index funds that would track the market like the VUSA ETF from Vanguard. 💵👍🏻 Most pension funds will put your funds into a more cautious profile and this could cost you thousands if you leave your pension in a more cautious investment over your working life! 🤦🏻‍♂️ 💡Tip 4 - use your pension to reduce your taxable income 💡 As a higher rate tax payer, if you were earning £60k, you could put £10k into your pension and therefore reduce your taxable income to £50k.  You would then be able to claim tax relief at 40% on this contribution. But you have to do this via a self assessment form. If you do not make the claim you will lose out on your extra relief and it will have been a waste! 🗑️ ✅ Take control of your pension and make sure you don’t leave thousands on the table by investing in a fund that doesn’t suit you.  #FinanceTips #PensionPlanning #InvestSmart #Budgeting #Investing #SIPP #Aviva #Standard Life #Peoplespension #Freetrade #Bonds
💸 Pension tips - Part 3! 💸 How old are you? If you are in your 20’s, 30’s and early 40’s, you should be investing 100% into equities (shares). Bonds are an investment that carry lower risk and therefore the reward for investing into bonds is also lower 💰👎🏻 When you have such a long time horizon like you do with your pension, the risk of a negative return on stock market investments drastically reduces and the S&P 500 has never seen a negative return on the stock market when held for a period of 20 years or more 📈 So if you are holding investments in your pension for 30-40 years, it makes no sense to not have your pension invested in more ‘riskier’ items like index funds that would track the market like the VUSA ETF from Vanguard. 💵👍🏻 Most pension funds will put your funds into a more cautious profile and this could cost you thousands if you leave your pension in a more cautious investment over your working life! 🤦🏻‍♂️ 💡Tip 4 - use your pension to reduce your taxable income 💡 As a higher rate tax payer, if you were earning £60k, you could put £10k into your pension and therefore reduce your taxable income to £50k. You would then be able to claim tax relief at 40% on this contribution. But you have to do this via a self assessment form. If you do not make the claim you will lose out on your extra relief and it will have been a waste! 🗑️ ✅ Take control of your pension and make sure you don’t leave thousands on the table by investing in a fund that doesn’t suit you. #FinanceTips #PensionPlanning #InvestSmart #Budgeting #Investing #SIPP #Aviva #Standard Life #Peoplespension #Freetrade #Bonds

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