About this episode

Pete and Roger answer listener questions on pensions, investing, tax, and money mindset in this Q&A episode.

In this UK personal finance Q&A, Pete and Roger tackle six listener questions covering pensions, investing, tax and money mindset. We discuss whether high earners should ever consider opting out of the NHS pension due to annual allowance tax, how to handle family gifts during divorce, and what to do about ERI on accumulating ETFs in a GIA. You'll also hear guidance on rebalancing after strong fund gains, rebuilding finances after an IVA, and investing a £350k inheritance with ISAs, SIPPs and premium bonds. Shownotes: https://meaningfulmoney.tv/QA52 01:34 Question 1 Dear Pete and Roger, Could you provide an opinion on if and when it would be worth at least considering leaving the NHS pension scheme due to tax reasons? I can sense immediate puckering and this is not something I ask on a whim - I am aware of the comparative value of public sector DB pensions versus other retirement savings methods and indeed encourage the staff I work with to pay in. I am a senior doctor in my 40s with high NHS earnings and rental income on top. I am one of those affected by Annual Allowance tapering and have significant AA tax bills every year with no end in sight. My projections are that I…

People in this episode

Host: Pete Matthew

Guest: Roger

Topics covered

• pensions
• investing
• tax
• money mindset
• divorce
• inheritance

Keywords

• NHS pension
• annual allowance tax
• family gifts
• divorce
• accumulating ETFs
• rebalancing
• IVA
• inheritance

Mentioned in this episode

Organizations: NHS, GIA, ISAs, SIPPs, premium bonds

Places: UK

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