How can you build a £25k+ income when you start investing for retirement after 40? This video describes exactly how it is possible starting from zero.


TIMESTAMPS
0:00 Start
1:35 The Retirement Savings Landscape
2:18 Budgeting Is Essential
3:42 Creating A Budget
6:14 Be Tax Efficient
8:07 How To Invest
10:44 Examples of How Much You Could Build Up For Retirement


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📊 WHERE TO START INVESTING 📊

Fixed Fee Investing Platforms

Fixed fee investing platforms ensure that you always pay the same amount for the service provided, regardless of how large your pot becomes. This is a great way of minimising costs as you build up more wealth. When you invest your capital is at risk.

FREETRADE

FreeTrade offer a wide choice of ETFs, all of which can be bought and sold for FREE on their platform. They offer an ISA account for a fixed £3 a month and a SIPP (pension) for £9.99 a month, giving you access to these tax efficient wrappers for just £12.99 a month.
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INTERACTIVE INVESTOR

Interactive Investor is also a fixed cost platform, which in addition to ETFs and shares offers a very wide choice of index funds, actively managed funds and investment trusts for the more advanced investor. Their ISA account is available for £9.99 a month, with a SIPP (pension) account available for an additional £10, making their total cost £19.99 a month.
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Percentage charge platforms

These platforms offer a great entry into investing and often cost less when you hold smaller amounts of money than fixed cost alternatives, but they become more expensive when your pot builds to larger amounts. When you invest your capital is at risk.

VANGUARD

Vanguard offer their platform at 0.15% of your total holdings, with costs capped at £375 a year. They offer a selection of their own ETFs, index funds and actively managed funds on their platform.
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AJ BELL

AJ Bell’s platform is available at 0.25% and like Interactive Investor offers a very wide choice of investment solutions across the entire market.
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Please note that other costs can apply to platforms in addition to the headline platform charge. Always research the costs based on your investing requirements. Many other platforms are available in addition to the ones highlighted.

When you invest, your capital is at risk the amount you get back may be less than what you have paid in. The content of this video is for information purposes only and does not consitute direct or indirect financial advice. Any investment decisions taken are at the viewer's own risk. Always seek one to one advice from a professional adviser if required.


PLAYLISTS:

🎥 LEARN THE BASICS OF INVESTING 🎥
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🎥 HOW TO MAKE YOUR INVESTMENTS TAX EFFICIENT PLAYLIST 🎥
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**** ABOUT BUILDING A RETIREMENT INCOME IN YOUR 40s – A BEGINNER’S GUIDE ****

This video covers the key aspects of financial planning in your 40s for retirement including:

How to make money available to invest
Where to invest it for the best results
How much capital can you build up?
What can you hope to generate as income in the future?

Whether you're starting from scratch and on a low income, you have some retirement savings but aren’t sure it is invested in the right way, or you are a higher earner and now have capacity to invest more, this video will be able to help you.

Financial planning can be done by anyone at any time and even if you’re over 40 now, following a simple process with your retirement planning will lead to a higher retirement income.

The best way to invest in your 40s and beyond is to maximise what is available to invest, set a target, use the correct tax planning investment vehicles and choose the correct underlying investment strategy… this video will show you how!

For more help with financial planning and retirement planning, please subscribe to this channel and turn on notifications.


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