The One Thing You Need To Do Financially This Year.

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The gap between what we need in pensions and what we have is set to hit 400trillion by 2050! That is 4 times larger than the global economy at the moment..The reality is many will live in poverty in retirement I want to make sure that does not apply to you.
Links from video:
PLSA living standards Guide:
www.retirementlivingstandards...
Inflation calculator:
www.in2013dollars.com/uk/infl...
Check your NI contributions:
www.gov.uk/check-national-ins...
Lifetime allowance explained: www.unbiased.co.uk/discover/p....
Pension lifetime allowance.
www.unbiased.co.uk/discover/p....
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Vanguard:
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I hold funds with all these brokers and believe they offer both affordable investing and great value for money, I only include brokers in my description that provide ISA’s and are authorised and regulated by the FCA so are covered by the FSCS.
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Timestamps:
00:00 - A letter
04:28 - How much will you need?
07:30 - The Benefits.
10:29 - How much should you save?
11:15 - State Pension
13:55 - DB Pension
14:50 - DC Pension
18:46 - SIPP
20:24 - Fade has faded.
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Опубликовано:

24 июн 2024

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Комментарии : 803

@SJessicaL Год назад

tl;dr following the advice on this video lead me to discover one previous employer HAS NOT PASSED ON ALL PENSION CONTRIBUTIONS THEY DEDUCTED from my payslip! Thank you so much for this video. I've always avoided looking into my pension since it is just something that sits here and takes ages. After a groan, I took your advice and logged into old company pensions and to my horror, one previous employer HAS NOT PASSED ON ALL CONTRIBUTIONS THEY DEDUCTED! They haven't contributed their portion either. I'm shocked. This is illegal and I have reported it to the Pensions Ombudsman and Pensions Regulator. Without your video this would have carried on undetected and I would have missed out on even more compound interest in the meantime. The situation is tricky because the company has since been acquired by another, so it isn't a simple case of getting in touch with them. I do believe this is the result of administrative error and not intentional but it doesn't help me either way. If anyone is still reading this, I implore you to do the boring thing and check your own pensions against your old payslips. Don't take it for granted that your employer is doing/has done the right thing. I'd also like to add how sorry I am to hear about your attack.

@DamienTalksMoney Год назад

I will make sure others read it by pinning the comment! Well done for checking sorry to hear of this situation but I am glad you caught it

@DamienTalksMoney Год назад

Sorry this one is a bit of a beast! I really think pensions need more attention.. We will all get old one day and the stats around how big the shortfall will be for many are shocking. So please make this the year you take your retirement seriously.

@markmahood3093 Год назад

Worked for a private company 10 years ago. Would I have been automatically enrolled in a pension or is that a more recent requirement?

@nathankirby973 Год назад

Love the long videos!! Love the info would happily spend my entire Friday night watching! 😂💪💪

@alangordon3283 Год назад

I’m whacking as much as I can in mine .

@gavinwelsh4534 Год назад

As someone who specialises in giving pensions advice, it’s great that you are promoting the benefits ❤

@DamienTalksMoney Год назад

@@markmahood3093 Just call them and ask mate! It is newer than 10 years i believe but worth checking.

@laurence2824 Год назад

Damien, your advice is crucially important. I'm 61; I don't smoke, don't drink excessively, am not particularly overweight and taught karate for several years - so I reckon I was in reasonably good health. Who in the world could have predicted that in 2018 I'd suffer a massive brain haemorrhage and would no longer be able to work from the age of 57? If I hadn't made suitable retirement plans for myself I'd be absolutely f***ed now. I started making plans and saved for my retirement from the age of 27 (thank God!). It's much easier to live on a shoestring in your 20s and 30s than later in life so THEN is the time to start squirrelling away assets; you'd be surprised how quickly 60+ comes around!

@DamienTalksMoney Год назад

Thank you so much for sharing this Laurence. I am sorry to hear that you had a scare with your health and I hope it has not impacted your quality of life too much. Really inspirational that you were able to support yourself via the efforts of your retirement planning and you are an example to us all. The point you make around being frugal while young is spot on. As we get older the cards we have to play get fewer and fewer and when we are 80 or so we do not have the ability to work or earn so really we need to prepare when young. I think everyone gets to a point where they realise hold on I am getting older and I am not invincible. I hope your comment can inspire some of the younger viewers to start taking action like you did! Thanks again mate. Damo

@laurence2824 Год назад

Thanks, Damo, for your kind words. Without wishing to be preachy, I'll add a bit of detail which might enhance the pension wake-up call! My cerebellum was damaged (that's the bit of the brain dealing with balance and coordination). As a university music lecturer I suddenly couldn't write or play the piano any more. Aged 57 my career was completely over. Period! If I'd had to add being skint to the mix I'm not sure how I'd have coped, especially as my husband left me later that year (my disability must have become very challenging for him). I needed all sorts of adjustments made overnight to the house which cost well over £15,000 on no salary. These made the difference between being able to live independently in my own home or going into care. If I hadn't had a pension lump-sum pay-out I'm pretty sure I'd be in a home by now. When you weigh up a couple of extra skiing holidays I could've taken in my 20s against the next 30 years in a state-subsidised care-home, marinating in my own wee with no private income, it doesn't half sharpen up your priorities!

@curt3494 Год назад

I'm 40 and have only just started. Better late, than never.

@laurence2824 Год назад

@@curt3494 You can't do better than your best, Curt. You'd have to be INCREDIBLY unlucky to be hit like a train by a disability as I was. Damien is great on the financial guidance (I'll not be the fool who rushes in where wise men fear to tread) so I'll leave that bit to him. The one bit of advice I would give is: take extra care of your health. Reading the tea-leaves, I'm not sure how long we can keep relying on a fully-functional NHS and state pension system. Too late to be of any use to me now I'm discovering I had several warning-signs leading up to my haemorrhage; hypertension was the crucial one. Keep an eye on your blood-pressure; don't smoke; try not to get overweight; drink sensibly. I think it was Groucho Marx who said: "Giving up alcohol doesn't make you live longer; it only feels like that!" Charles Aznavour, on the other hand, definitely said: "Old age isn't nearly so bad when you consider the alternative." I wish you a long and comfortable life full of every happiness you would wish for yourself.

@LT99_ Год назад

@@DamienTalksMoney could you do a video on the book Die With Zero. I don’t have and don’t want kids so don’t need to leave any inheritance to anyone. Thanks

@Dr_JK Год назад

Damien you've done it again, I mean it when I say that when I'm over 100 years old and financially stable enough to look after myself, I'll tell my grandkids or whoever that a RU-vid channel got me here. Thanks to you, I've managed to put away nearly six figures in assets through careful safe investments. Every now and then when something scary happens in the news I can always count on you to give us a less dramatic and focused perspective. A lot of other RU-vidrs and bloggers use scare tactics and are screaming at the camera. As always however, you speak in a calmer tone, and actually explain things. People don't realise that your content is absolute gold dust.

@kaopin14 Год назад

I've followed you and other personal finance channels for a while so I knew most of what was covered, but I still appreciate that you're continuing to educate people.

@Mark_Gibson Год назад

Another great video Damien. I have pensions with previous employers that I don’t keep track of and you’ve inspired me to go back and properly get to grips with what they are. The Knight’s Tale edit was genius btw 😂

@leahspasova Год назад

Damien, thank you for your content and hard work on those videos! It's appreciated! I also want to highlight - well done for promoting other folk's content, as they may cover it in more depth and all. There are so many ppl out there who wouldn't promote anyone coz they're so small-minded and scared of the ''competition''.

@tradekings5433 Год назад

This seems like the worst period. Even the market are now very unpredictable. Started invêsting recently when the market prices were a bit high,today I am more than 60% down!

@stevenkarson4392 Год назад

Most of the professionals on YT and IG copytrade him that's how they make enormous profits from seemingly unknown market.

@dawsondanny990 Год назад

Lol. I'm one of them. Not a pro though,started last year in all honesty wish I had known about him earlier.

@romneyhugo Год назад

I'm your new subscriber , Love your content. Trev has already made a name for himself his reviews are exceptional I was able to grow an account close to a million,withdraw my profit right before the correction and now am buying again ..

@wolfhound5108 Год назад

It's the market, if you can't be on it on the bad days,you shouldn't be in it at all...

@sampennell5196 Год назад

Solid content thanks chap. the past year I’ve been trying to get my head around what actions to take for my financial future. I started to take action after I read that 69% of self employed workers don’t have any pension and 86% aren’t contributing to a pension. Source penfold. I’ve watch many RU-vid video, listen to a ton of podcast and read a fair share of articles. Why this isn’t taught at college or A levels is just beyond me. Again this is some solid content bud and thanks you. I will be sharing this video with my younger siblings.

@elliotsmith9623 Год назад

Damien, as your lucky one thousandth commenter I'd like to thank you for providing the most concise summary of what I need to do to take decisive action on this essential matter. Your presentation is simple in the best possible sense but obviously very well-researched, and you make clear what the limits of your knowledge are - more should respect their audience by doing the same. Some things are already in place, but more needs to be done and you've pointed me in the right direction. Big respect!

@ToolReviewsofToolsIUse Год назад

What a fantastic channel this is. I'm ashamed by how little I know about pensions when I see a young man like yourself putting it across so well. Thank you for this vid, it's going to help me a lot.

@ScrambledEvs Год назад

Congratulations on the 100k, I only came across your channel this last week. It’s excellent. 🏆

@TwinTiger Год назад

You are a fantastic teacher! These videos are some of the best content available on youtube. Thank you for YOUR time! 🙏

@bandolero5068 Год назад

Consistently entertaining and informative. Happy new year, Damien.

@boyter8 Год назад

Just discovered your channel yesterday. Love what I'm seeing and hearing. Keep up the great work.

@pauledmed592 Год назад

Brilliantly put Damien, really nailed the subject with this one, thank you

@peterstokes8631 Год назад

Hi Damien, I hear your passion and think this is the best video you have made, well done and keep up the good work!

@MeaningfulMoney Год назад

You, my friend, are very kind - thanks for the shout out, as ever!

@Andysfishing Год назад

I like your comedy aspect in the videos, cool.

@bazwan6396 Год назад

I wish I could give this more than one like. I will be sharing this with my kids as soon as they are awake today. Thanks.

@webzfamilygaming1304 11 месяцев назад

Damien, this was a great video, Thankyou! Ive recently turned 40 and have realised i really need to start taking care of my future finances. Ive now got a S&S ISA with 212, and luckily have the beneift of being in a DBF pension scheme. Ive got 27 years to sort this out and your videos are a great help to point me in the right direction for research!

@Jupiter-Ace Год назад

This was useful and inspiring, thanks for taking the time to do this

@lauratau3206 Год назад

Damien your videos are gold!! I can not thank you enough, super useful and never heavy!

@DamienTalksMoney Год назад

Thank you Laura! Really appreciate this.

@adamrobinson2696 Год назад

Sh*t hot mate! Your content makes financial information interesting! I don’t want to wrap my head in cling film and slowly pass away while someone talks pensions. Only if schools would teach financial tactics and have teachers to deliver the subject in such a humorous and engaging way. Excellent bud!

@thomaspowell2043 Год назад

Great video. Really interesting stuff. Complicated subject made really clear. Thanks.

@agustinpiaggio8888 Год назад

Hi mate! as always, extremely important and useful what you talk about. Shocking some stats that you dropped, and is better to be prepare in advance, my "ish" is closer to retirement age, and this helps me to even push further into preparing myself.

@davejones6891 Год назад

Thought provoking as ever...keep up the good work Damo!!

@paulcoverdale8312 Год назад

Allo Damo, been watchin an learning from your shows. Yday 2-4-23 took the plunge an got a Vanguard investment isa. Just wanted to say thanks for clearing up all the crap we have been spoon fed over the yrs. Cheers mate.

@TonyP_Yes-its-Me Год назад

My 20 something work mate left the works pension scheme, a few years ago, because, he said: "It's better off in my pocket, than theirs." And he's not alone. I've known others do the same. He's back in the scheme, now though, but it make you worry about some people.

@mitchrils Год назад

The only reservation I have with pensions is the constantly rising pension age as well as the impending demographic crisis of our rapidly aging crisis. I don’t have complete faith that by the time I’m in my 60’s no greedy government or banker will have tried to pilfer my pension. I am tempted to lower my contributions and invest my money myself where I see it as less vulnerable to these risks. That said, at the moment I contribute the maximum amount as my employer contributes double the amount of my contributions.

@IR._ Год назад

I know someone that said exactly that and I was baffled. But then I learnt that they recently bought their second home in their mid 30s (believe they’re worth 800k combined, one’s a buy to let). Rare example I know, but I wouldn’t write people off. Some seem to know what they’re doing

@musheopeaus4125 Год назад

Most poeple are finica!ly illiterate and djmb

@mrericpritchard Год назад

I started a SIPP last year; you are totally correct. Great videos, keep them coming. Great style.

@jonathangiles4854 Год назад

All this should be taught in schools. Vital. Solid stuff mate - keep it up

@TheWhooah Год назад

Fantastic video. Huge effort and work has gone into this 👍

@hussamkamel4001 Год назад

Love your videos this time you have taken it to another level! Yes so many prices less tips!

@euanmorrison3826 Год назад

I really appreciate your content Damien, thanks for doing this.

@DamienTalksMoney Год назад

Euan mate you are so welcome. Comments like this are why I do what I do! Hope the videos can help make a positive impact on your life and one day in retirement we bump into each other and have a beer!

@Depstha Год назад

Clear and concise. Great stuff mate.

@jimbobentley Год назад

I have 3 pensions and have access to them all. Your talking the truth which a lot of people do not even consider. Good on ya lad

@Semabachos Год назад

Thanks mate. This is REALLY important stuff and I'm so gratefull you drew my attention to this🙏

@Gemstonetarot Год назад

Brilliant video! Just wanted to add, if you’re lucky enough to be in a pension scheme like NHS or Civil Service it’s worth looking at added years that you can buy. They don’t tell you about it usually but it’s worth it in the long run.

@Gazo79 10 месяцев назад

Great video. Very informative Just recovers you channel. Well done young man, well done 👏

@adcatman Год назад

Really informative and easy to understand. 58yrs and starting to become more aware!

@jakkuwolfinsomnia8058 Год назад

This is really good advice, it really makes it harder that finance and pensions are not mandatory school subjects because if they were there probably wouldn’t be as many people in poverty today. I’ve recently moved from my parents, bought my first place and I’m taking ownership over my life and future. Even down to organising messy files, the amount of eye opening experiences I’ve had is phenomenal. The whole pension area really i always kept saying to myself “I’ll never stop working” or “i don’t care if I get too old” but thinking like that is probably what will lead me to being 65 with maybe a medical condition unable to work with no backup. So, taking ownership of my pension and at the very least having a stronger understanding of where my retirement is headed is better than messing around expecting it all to fall into place. I’m taking ownership of everything else I may as well take ownership of this too. Your info was great and really helped me to understand where to start with my future finances. I always wondered where to find the national insurance contributions I didn’t know they were on the gov website (that’s how poorly I understood this topic). Thanks for the video 😊👍

@jamesleakey247 Год назад

Hi Damo. I have been watching your channel from the start and this is your best video ever!. Fantastic advice and content on such an important subject.

@DamienTalksMoney Год назад

Thank you so much James! Glad you liked the video and you felt I did it justice also thanks for watching all the other videos 🙏🏻

@gardnerfinancialmanagement366 Год назад

Absolutely brilliant video - really inspired me to get my messaging around pensions more on point- thank you 🙏

@jamesstokes1579 Год назад

Helpful points. Been giving this some thought as of late. Thanks

@Azazeal777 Год назад

Excellent and informative as always thanks!

@alanmeasures8337 Год назад

This was a great video mate I have subscribed for more Thank you

@peterward6205 Год назад

Great vid. Thanks for doing this. More and more people need to know about pensions rather than assuming the state will look after them.

@whtmasterd Год назад

great video, maybe 30 years too late for many people. 22 years ago. I moved to the US for work. Here the majority of people were more aware of what was required for retirement and as such there were more financial vehicles to assist in the journey. Whilst the US has many issues, understanding that you and only you are responsible for your financial future was the biggest message that resonated with.

@elliotm Год назад

New sub here. Great vid, really like the delivery of the info. Not OTT and easy to digest.

@timjones4936 8 месяцев назад

Epic video thank you so much!

@Icebergsalad Год назад

Thank you, Damien. You are helping me a lot 💡📝 27yo, finally getting some clarity about life in society 👌

@chrisyates2591 Месяц назад

Your project is so important Dammo. Thank your realising this and doing something about it. Yesterday I asked you who you thought the next Jack Bogel might be - I think I may be looking at him. Keep going mate.

@britishroyalty372 Год назад

Damien talks a lot of sense. Fast becoming the best financial youtuber.

@grahamlewis6777 Год назад

well said.. it took a friend to tell me a few years ago what a huge tax saving pensions are, and to consider what my spouse is paying in too, to realise I was making the wrong decisions on my savings. I owe him so much now. I even have friends who are nearing retirement who have a good income and not even maxing the pension deductions when they could. Just throwing money away (figuratively).. So many get this wrong and don't realise this is the biggest UK tax benefit that exists and should be maxed. Well done making this front and centre of your video, and like the laid back casual man of the people vibe you project, it helps get the message across.

@davidwalsh9807 Год назад

Brilliant edit Damo - great use of the room at the start Made me laugh out loud

@livingthedream5560 Год назад

Really eye opening cheers mate

@mrben4192 Год назад

Hi Damien, I love the channel. Thank you for covering this subject as it’s something I have zero understanding on. I recently went to the multiple pension providers I had amassed over my working life and put them all in to a pension bee account. It wasn’t a huge amount, less than 20k but I’m wondering if this is the right thing. Would it be better placed in the vanguard one you mentioned or are they similar things. I know you can’t give personal advice but any pointers would be appreciated. Anyway keep up the good work, the channel is really helpful.

@wilgoldsworthy950 Год назад

Brilliant! The only RU-vidr worth listening to! Well done sir 👏👏👏👏

@Simply1ism 10 месяцев назад

Thanks for being an example of placing small pensions into a SIPP. I emailed the BBC Moneybox this week to try to get to find out what to do and show interest. I have ticked the box on one small pension to be more invested in stocks. Now just reaching the end of my 40s I had 18 years in a defined pension; very pleased I lasted in the scheme as long as i did! Clarity you are.

@willlsmith8063 Год назад

Brilliant video Damien...........Im a fan boy...... love your content and how you get it over mate

@jdizzle1779 Год назад

Fantastic vid. Opened my eyes to how much I need to catch up. Came out of my scheme to help Dave to buy a house but need to get back in this year without fail

@user-mk6eg2nz6q Год назад

Thank you for this. Your videos are very helpful.

@nicknunns920 Год назад

Great video Damien very informative - and very much appreciated - thank you

@DamienTalksMoney Год назад

You are welcome! Sorry it was a bit of a beast haha

@alestorcrowley Год назад

Fantastic video, learned a lot and find the way you demonstrate and explain very clear and approachable

@techmidas Год назад

Thank you @Damien Talks Money, really good talk. I have been treating my pension as the ugly step sister; 2 things people don't wanna talk about is getting old and dying so maybe that's why pensions and funerals get brushed to the side but definitely will push this to top priority after this vid. Thanks mate.

@charliep6235 Год назад

Had to like this just for the ‘not unusual’ pun. Great video!

@St0ffel Год назад

Brilliant video. So much to think about, I probably have to watch a few times.

@rhydian76 Год назад

Really good video! Sound advice 👌🏻

@splottcardiff3993 Год назад

Go on Damo!! Love these videos they are simplified for finance idiots like me 😂😂. Even got my wife into it 👍👍. Keep up the good work mate 👍👍

@xphilli Год назад

This is all way over my head lol, but ty for trying to tackle it. It's definitely something I and many others need to look into.

@DamienTalksMoney Год назад

It is not over your head i promise! Just make the commitment to get to grips with it,. it is so important, if you can use an ISA you can understand your pension.

@KerrBearrxo Год назад

I could listen to you all day

@VishalGuiris Год назад

What a banger of a video! I can't stress pensions enough to my family members and friends.. It's such a big thing but hardly ANYBODY GETS IT!

@DamienTalksMoney Год назад

No one gets it mate like you say it is madness.. You are doing a great service pecking your families heads about it.

@LEWIS1992 Год назад

Some interesting info here, thanks again!!

@DamienTalksMoney Год назад

You are welcome mate

@dozo6541 Год назад

Thanks for the video :)

@gregorwilson4899 Год назад

Damien, you are the goat! I've learned more about finance from your channel than in the first 40+ years of my life. Do you have any go-to recommended finance books? will you write a book of your own? keep up the great work my friend. 👌

@RajaseelanGaneswaran Год назад

Thank you, this gave me a good gist of what I'd need to look at.

@mmherrebrugh Год назад

Hi Damien, your comments at 19:25 are a game changer. It has continued to resonate with me for over a month now. We have a 3 year old and a newborn. Both of them have a Junior ISA in which we save a little every year. But following this video my wife and I have decided to rob some of our savings and they will now also get a Junior SIPP with £5,000 each in it. This wouldn't have happened without your video. Thanks! May you long continue with great content. 👍

@DamienTalksMoney Год назад

Thank you so much for letting me know! The best feeling is knowing two kids will one day be comfortable in retirement and a part of that was my doing, well done for giving them an amazing gift! It will be awesome when you can sit down with them in 20/30 years and go look at what this has done now it is your turn to start paying in

@Tim_gaylor Год назад

This is a brilliantly informative video. Many thanks. Tim

@tateoften Год назад

Great Video Damien! Maybe make a video on potential investments in this current market that would fetch substantial profit, been coming across articles on bloomberg, business insider etc about folks raking in $200K averagely in 6weeks using some sophisticated strategy and I'd love to know how.

@williammoore9609 Год назад

Another great video thanks.

@RentabikeVietnam Год назад

Damien talks sense. Stellar video, mate.

@LawrenceAnton Год назад

The man, the myth, the legend strikes again. Great video geeza no need to keep apologising!

@3xAudio Год назад

Great stuff Damien and really eye opening. Getting on it in my next pay packet. I don’t think anyone want to have to sell their house to be able to afford to die.

@markpickett5034 Год назад

Thanks Damian, one of your best videos, pure class.

@DamienTalksMoney Год назад

Thank you so much Mark

@benmckevitt5904 Год назад

Hi Damien, thanks a ton for this video! I’m 23 and this is super helpful for understanding how to get everything in order for life ahead. Much appreciated!

@fredbolli4704 11 месяцев назад

Cheers dude, great video

@BeastProSHADOW Год назад

NAY! The Pleasure ! God damn love your vids mate

@DamienTalksMoney Год назад

You are a legend for watching all the way!

@sionjohn3409 Год назад

Excellent video!

@RichardSlater Год назад

Thanks for the honest conversation

@clashsmoothie9548 Год назад

Amazing video. Thanks for making this.

@DamienTalksMoney Год назад

You are welcome!

@JoeHardacre Год назад

Appreciated all the advice, but the knights tale clip was the icing on the cake.

@Dr.JubairsFinance Год назад

You made a video on pensions engaging, well done Damo

@adrianellis2433 Год назад

Excellent Video as always. Just a quick warning for anyone close to retirement Don’t rely on the Gateway for a correct state pension Get it in writing. I’ve known a few people who have come up short after using the internet calculator.

@utterlee 9 месяцев назад

This video cajoled me into increasing my pension contributions!

@sarahdavies2312 Год назад

Another great video. I love your presentation and delivery. I have several accounts with Vanguard and am thinking about opening a SIPP with them. What global fund do you recommend with them for the long term?

@mcdieselable Год назад

This is exactly the video I needed to see today

@99jasonhooper Год назад

Great video Damien - there is a school of thought that yes age profile will increase re older cohorts but will top out at 100 not 150 even with science improvements and due to poor diet and Covid etc - average age has decreased in the past 2 years. Interesting times…

@Afrinaturality Год назад

The coincidence that this video is for me as I was just thinking about my pension yesterday and thinking I really need to up my contributions. My future self will be thankful.

@HeartoftheMatter Год назад

Damien this is the best video you have ever made. Well done buddy! My employer contributes 14% towards my pension, and I am only required to contribute 5% . I decided that I will match what my employer is contributing after all it is tax free. Love what you said about child SIPPs, I think it is an awesome idea and less burdensome on the taxpayer. How do we mobilise to get this to become legislation?