YouTube recommendations for investment advice

4500_Donavan

Hi,

I'm 5 years off retirement and am now going to divert future contributions towards building a near cash buffer.

I'd like to explore a bond ladder but wondered if there was a YouTube video that anyone would recommend as trustworthy. 

Many thanks. 

leosayer

Pensioncraft had some good videos on this topic including the one below: 

https://youtu.be/ckuwXpgD-6w?si=rBlSMTuR47iRlI08

QrizB

You could give James Shack a go?

https://m.youtube.com/channel/UCLXQalldcm6gMYMQfLMliww

4500_Donavan

Thanks. Would you recommend these 2 for general pension investment advice, as well? 

vacheron

4500_Donavan said:

Thanks. Would you recommend these 2 for general pension investment advice, as well? 

I certainly would. James Shack is excellent and probably covers more general investment advice (including pensions). I would put Damian Talks Money into the same category where they are as easy to listen to as your mates down the pub! 

Pensioncraft can go in to more detail regarding specifics, such as your bond ladder, but I find Ramin a little drier to listen to. I still do though.    Also his podcast with Michael Pugh is a bit more informal though and also a regular listen for me.

ukdw

I agree with all 3 of @vacheron points,
In terms of youtube I also learn't a lot from Pete Matthews (Meaningfull money)

Also in terms of podcasts I found Andy Hart (Maven Money) very inspirational too - although I don't  think he has released any for a while - but the basic principles don't change.

RogerPensionGuy

Just for clarification, I think YouTube & other outputs say it's always information & education.

It's often mentioned that it is not advice. 

But back on to YouTube, there's a lot of good information to be found.

I find the search features nice. 

I have a friend in a similar position to the OP, he's about 5 years away from wanting to draw out a of SIPP. 

He feels the market is very frothy and very happy with its performance these last many years so decided to swop a % of his pot from risk 5 & 6 units in to very low volitilty units to provide 5 years of essentially liquid cash/buffer at this time.

His inputs & holdings were mostly risk 5 & 6 and he's now toned it down to 3, 4 and 5 risk inputs as he wants a little less volitilty in his SIPP.

Lorian

Just be wary that the occasional video created more than a year ago do not taken in to account proposed IHT changes.

Albermarle

RogerPensionGuy said:

Just for clarification, I think YouTube & other outputs say it's always information & education.

It's often mentioned that it is not advice. 

But back on to YouTube, there's a lot of good information to be found.

I find the search features nice. 

I have a friend in a similar position to the OP, he's about 5 years away from wanting to draw out a of SIPP. 

He feels the market is very frothy and very happy with its performance these last many years so decided to swop a % of his pot from risk 5 & 6 units in to very low volitilty units to provide 5 years of essentially liquid cash/buffer at this time.

His inputs & holdings were mostly risk 5 & 6 and he's now toned it down to 3, 4 and 5 risk inputs as he wants a little less volitilty in his SIPP.

Unless he is going to withdraw it all in 5 years, or buy an annuity, then his actual timeline will be many years longer than 5. 
A bit less volatility is fine, but if he wants the SIPP to last 30 years, he should not go to low risk ( as that is risky !)

RogerPensionGuy

Albermarle said:

RogerPensionGuy said:

Just for clarification, I think YouTube & other outputs say it's always information & education.

It's often mentioned that it is not advice. 

But back on to YouTube, there's a lot of good information to be found.

I find the search features nice. 

I have a friend in a similar position to the OP, he's about 5 years away from wanting to draw out a of SIPP. 

He feels the market is very frothy and very happy with its performance these last many years so decided to swop a % of his pot from risk 5 & 6 units in to very low volitilty units to provide 5 years of essentially liquid cash/buffer at this time.

His inputs & holdings were mostly risk 5 & 6 and he's now toned it down to 3, 4 and 5 risk inputs as he wants a little less volitilty in his SIPP.

Unless he is going to withdraw it all in 5 years, or buy an annuity, then his actual timeline will be many years longer than 5. 
A bit less volatility is fine, but if he wants the SIPP to last 30 years, he should not go to low risk ( as that is risky !)

Noted & generally agree. 

He's similar to me, unsure how his emotions will be as the clock ticks on, he wants to find an emotional setting that feels okay now.

I completely agree being deep in the markets with risk 5 & 6, plus having at least 4 or 5 years liquid cash and maybe a DC or annuity pumping slowly is the way to go capturing long-term groath, but unknown emotions down the road is the fly in that plan. 

4500_Donavan

Thanks everyone. I'm very happy with my fund mixes. They are high risk but I'm in it for the long haul. I just want to focus on building a low risk buffer using future contributions and leave my funds to continue their upward rollercoaster. It's just about managing SORR when I move to  drawdown in 5 to 7 years. My current balance is 67% of my 60 year retirement requirements and 80% of my 62 year retirement requirements.