ASK430: What should my retirement portfolio look like? PLUS: How do I plan for a Labour government?
The Property Podcast
Rob Bence & Rob Dix
4.8 • 2K Ratings
🗓️ 28 May 2024
⏱️ 11 minutes
🧾️ Download transcript
Summary
It’s Tuesday, so here’s your latest round of listener questions!
- (0:31) Simon is starting to plan his retirement, and due to his personal situation, he’s looking for an inflation-proof income. He’s a complete property investment novice and has around £150,000 to invest, and he’s wondering what strategy would be best for him and his goals.
- (6:06) Geoff is planning to invest £100,000 over the next 25 years, starting with two flats later this year, but he’s wondering if tactically he should do anything different if a Labour party come into power.
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Transcript
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| 0:00.0 | Hi, I'm Rob. |
| 0:03.0 | And I'm Rob. |
| 0:04.0 | And this is Ask Rub and Rob. |
| 0:07.0 | Hello, this is Ask Rob and Rob, and I sounded a bit surprised that I was Rob then, |
| 0:10.0 | but don't worry, I'm back with it mentally, |
| 0:12.0 | and I'm here to answer your questions |
| 0:13.6 | but before we get into it let's give you a quick reminder of how you can get your |
| 0:17.6 | question into the show. |
| 0:18.6 | Yeah so simple just go to Property Hub. |
| 0:20.8 | Dot net slash ask you can send us a written question for |
| 0:23.9 | our Sunday Times column there or you can send us a voice note with a |
| 0:26.8 | question that we can answer on this here show and that is what Simon has done. |
| 0:31.5 | Hi Rob and Rob my name is Simon. |
| 0:34.0 | I'm in my early 60s and belatedly starting to plan my transition to retirement. |
| 0:39.0 | I'm single and have a reasonable income, but want to start thinking about slowing down. |
| 0:44.0 | I rent a cottage that I love and would prefer not to move for the foreseeable future anyway. |
| 0:49.5 | This means I need to have some kind of inflation-proof income and would also prefer to split the |
| 0:54.6 | risk rather than having all my savings in a pension fund. I have a decent pension |
| 0:59.2 | pot so with some savings and the tax-free lump sum I can extract I have around 150k to start building a property portfolio. |
| 1:07.0 | I'm a higher rate taxpayer so I assume the best thing to do would be to set up a limited company |
| 1:12.0 | and I do not plan to take any cash out of the business. to do |
| 1:13.2 | be to set up a limited company and I do not plan to take any cash out of the business |
... |
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