The £50,000 Pension Mistake Most People Make скачать в хорошем качестве

The £50,000 Pension Mistake Most People Make

Think taking your 25% tax-free pension lump sum is a no-brainer? It might seem like common sense — but for many, it quietly costs them flexibility, tax efficiency, and future options. In this video, I break down why taking all your tax-free cash upfront could be a mistake — and show a smarter way to retire with more control, less tax, and better long-term outcomes. I’m Toby, a Chartered Financial Planner in the UK. I help people make confident retirement decisions without all the jargon. 👀 Watch to learn: Why using UFPLS might give you more tax-free cash in the long run How to bridge the income gap without wiping out your flexibility What planning — not just advice — really looks like 00:00 - Should You Take 25% Tax-Free? 00:26 - Why That Might Be a Mistake 01:06 - The Real Story 02:01 - Advice vs Planning 02:39 - His Situation at 62 03:21 - Option 1: Lump Sum Strategy 03:59 - Why It Falls Short 04:12 - Option 2: UFPLS Strategy 05:21 - Side-by-Side Outcome 06:10 - Bonus: If the Pot Grows 06:32 - The Real Takeaway 06:59 - Final Thoughts 🔔 Subscribe if you want clear, honest videos about pensions, retirement, and using your money to live better. 📈 Disclaimer: This video is for informational purposes only and does not constitute financial advice. Consult with a qualified financial advisor for personalized guidance tailored to your specific situation.