James Shack
A financial planner making videos about money, financial independence and living a good life. Disclaimer: All of my views are my own, and not representative of any company. Any personal opinions, ideas, and tips represented on this channel should not be seen as financial advice or a recommendation to take any specific course of action.James Shack™ property of James ShackellCopyright © James Shackell 2014. All rights reserved.The author asserts their moral right under the Copyright, Designs and Patents Act 1988 to be identified as the author of this channel and any video published on it.Links:Get Help - Work with me...
How Much do You Need to Retire in 2024? (Less than you think)
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/51
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the geographical region and industry sector. You should make yourself aware of these specific risks prior to investing. Prevailing tax rates and relief...
Don't Bet on a Stock Market Crash (Do this instead)
When the headlines make the future seem so grim, it’s easy to think we must be in for another stock market crash.
It seems natural to want to protect yourself from it, and that sounds like an intelligent thing to do, but it’s not - let me show you why.
Of Dollars and Data - https://ofdollarsanddata.com/
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about work...
3 Devastating Pension Mistakes Retirees Make
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/50
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the geographical region and industry sector. You should make yourself aware of these specific risks prior to investing. Prevailing tax rates and relief...
Revealing my 5yr Investment Returns (benchmarks) - How do yours compare?
Working out whether your pension fund has performed well or not can be challenging. In this video, I show you the benchmarks I like to use to track performance so you can compare them with your own.
Always keep in mind that past performance - although interesting to look at - does not tell us much about how investments may perform in the future.
Benchmark Performance Figures and Guide
https://bit.ly/3pkgpVP
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning...
Use Your Pension to Pay Off Your Mortgage
Using your pension as a vehicle to pay off your mortgage can be a highly effective strategy.
The star of this video is the pension, not the interest-only mortgage. We could have compared overpaying a repayment mortgage vs investing in a pension, and we would have ended up with a similar result.
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt...
6 Reasons to Retire as Soon as You Can
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/62
*Step-by-Step retirement planning videos*
Video 1 - https://youtu.be/By7czOU5Aig
Video 2 - https://youtu.be/9NGajZhp-C0
Video 3 - https://youtu.be/LCYINIELH2w
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Prevailing tax rates...
Time to Stop Investing And Pay Off Your Mortgage?
Aswath Damodaran
YouTube - https://www.youtube.com/c/AswathDamodaranonValuation
Website - https://pages.stern.nyu.edu/~adamodar/
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/48
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. The property market can be illiquid; consequently, there can be times when invest...
The UK Buy-to-Let Property Crisis Explained
In the UK, but-to-let investing is seen as the main route to financial independence. But over the last 15 years, the government has introduced a series of policies that have made it clear they do not want rental investors to do it.
This, along with higher interest rates, has brought the BTL market to its knees.
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link...
Why the 5 Years Before Retirement Are So Important (You’re closer than you think!)
Retirement could be closer than you think. It all hinges on those final few years before retirement and making the most of the tools you have available.
*Salary Sacrifice Calculator*
https://www.moneybeans.co.uk/personal-finance/salary-sacrifice/
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/64
Capital at risk. Past performance is used as a guide...
Labour's Alleged Tax Raid on Pension, ISAs, CGT and IHT
Sign up to my Newsletter to receive my breakdown of the budget on the day
https://james-shack.co.uk/newsletter
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/89
Bed and breakfasting rules explained
https://www.investopedia.com/terms/b/bed-and-breakfast-deal.asp
Risk Warnings
Capital at risk. Past performance is used as a guide...
How to Invest for Your Children and Grandchildren (without them becoming brats!)
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/65
It’s natural to want to put money aside for our loved ones, but it often does not make sense to give up control.
*Family Investment Companies* - (I am not endorsing these companies, just the articles)
https://www.saffery.com/insights/publications/family-investment-company/
https://www.ukpropertyaccountants.co.uk...
Where Should You Pull Funds from First in Retirement?
✉️ Sign up to my Newsletter to receive my breakdown of the budget
https://james-shack.co.uk/newsletter
👉🏻 Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/88
Risk Warnings
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending...
The end of tax free savings as we know it
Here's the link to the FT article; give the comments section a read - always a laugh!
https://www.ft.com/content/5849ad2e-2c11-4294-a334-f7c480f7a1eb
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/66
Capital at risk. Past performance is used as a guide only. It is no guarantee of...
The BIG Financial Risk That Everyone is Underestimating [Must Watch]
![The BIG Financial Risk That Everyone is Underestimating [Must Watch] episode artwork](https://megaphone.imgix.net/podcasts/1893a77e-d047-11f1-b324-bf30d153a054/image/89dec8f1158f2771a55f1e943d081cc1.jpg?ixlib=rails-4.3.1&max-w=3000&max-h=3000&fit=crop&auto=format,compress)
Data Breach Check
https://haveibeenpwned.com/
James Shack(ell) FCA Register
https://register.fca.org.uk/s/individual?id=003b000001JgtXkAAJ
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/87
Risk Warnings and Disclaimers
Capital at risk. Crypto investments are high risk and largely unregulated. You should not invest unless you're prepared to...
The 3 Big Pension Mistakes EVERY Retiree Makes (Real world examples)
Taking tax-free cash is not tax-free if it means you have to pay more tax in the future!
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/67
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the geographical...
I'm 58 with £600,000 - How much can I spend in retirement? (Case study)
👉🏻 Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/86
Signs of Bowel Cancer (make yourself aware!)
https://www.bowelcanceruk.org.uk/about-bowel-cancer/symptoms/
Signs of Prostate Cancer
https://prostatecanceruk.org/prostate-information-and-support/risk-and-symptoms/prostate-cancer-signs-and-symptoms
RISK WARNINGS AND DISCLAIMERS
Risk Warnings
Capital at risk. Past performance is used as a guide only. It is no...
Why Holding Cash Now is a Terrible Idea (if you ever want to retire)
Research in this video:
Long-Horizon Losses in Stocks, Bonds, and Bills
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3964908
Credit Suisse Global Investment Returns Yearbook 2023 Summary Edition
https://www.credit-suisse.com/media/assets/corporate/docs/about-us/research/publications/credit-suisse-global-investment-returns-yearbook-2023-summary-edition.pdf
Aswath Damodaran US Asset Returns
https://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to...
Here's How The Rich Invest Their Money
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/85
References
I would highly recommend watching the Rational Reminder Podcast episode on Alternatives.
https://youtu.be/wDi7rkNcb1A?si=JRaCxRiPHbP-_aKj
The Performance of Hedge Fund Performance Fees
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3630723
Has Persistence Persisted in Private Equity...
How much do you need to retire? The 4 keys to sustainable income
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/26
Risk Warnings and Disclaimers
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the geographical region and industry sector. You should make yourself aware of these specific risks prior to inv...
How to Pay £0 Tax on a £57,000 Retirement Income
👉🏻 Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/84
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How to Maximise your State Pension
https://youtu.be/fG_D-JFdwBM?si=1-ltD_hX3gXPyuZW
RISK WARNINGS AND DISCLAIMERS
Capital at risk. Past performance is used as a guide only. It is no guarantee of future return...
How to Maximise Your Income in Retirement (3 simple steps)
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/27
Capital at risk.
Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the geographical region and industry sector. You should make yourself aware of these specific risks prior to investing. Prevailing tax rates and re...
3 Investing Lies That Are Costing You Money
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/83
References
Mind the Gap Report: https://www.morningstar.com/lp/mind-the-gap
Lululemon vs FedEx : https://mp.morningstar.com/en-us/articles/blt804ae6c64e3c1427/the-market-minute-article-advantage-of-low-expectations-magnificent-seven-update-small-caps-the-three-u-s-and-more
RISK WARNINGS AND DISCLAIMERS
Capital at risk. Past performance is used as a guide only. It is no guarantee of...
The 3 Big Mortgage Mistakes EVERYONE Makes (Real world examples)
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/28
In this, you'll see how we saved one client £124,000, why paying off your mortgage may be a big mistake and why high-interest rates are not as bad as you think.
I want to ask that you keep an open mind whilst watching this video.
We all have pre-conditioned views o...
How much do I need to retire with £20k/£30k/£40k/£50k per year? (100-year backtest results)
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/82
How Much Do I Need To Save Tool
https://james-shack.co.uk/savings-calculator
Software and Data
www.timeline.co is the backtesting software I used in this video. It includes over 100 years of stock market adn inflation data. To get such a large data set, they have spliced...
How to Save Your Retirement Plan in 2023
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/29
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice.This video does not constitute personal advice. We do not take any respon...
The 3 Big Tax Mistakes EVERY Retiree Makes (Real world examples)
Financial Planning
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about our services, please follow this link: https://go.novawm.com/yt/81
RISK WARNINGS AND DISCLAIMERS
Capital at risk. This video does not constitute personal advice. Past performance is used as a guide only. It is no guarantee of future returns. Prevailing tax rates and reliefs are dependent on individual circumstances and are subject to change. We do not provide tax advice.
Issued on behalf...
How Much Can I Spend in Retirement with a £500,000 Portfolio?
Watch Next: https://youtu.be/nvpkkBZjrH0?si=98PsNJYxjULcod8B
Download Budget Planner Template
https://james-shack.co.uk/budget-planner
Financial Planning
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about our services, please follow this link: https://go.novawm.com/yt/80
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the geographical region and...
The Optimal Order For Investing Your Money
Watch Next: https://youtu.be/P9y63shSPfY?si=fuzvNa0iCc08_e6-
Financial Planning
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about our services, please follow this link: https://go.novawm.com/yt/79
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the geographical region and industry sector. You should make yourself aware of...
The 3 Big Pension Mistakes Retirees Make (Real world examples)
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/25
Risk Warnings and Disclaimers
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. This video does not constitute personal advice. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice...
Why Earning More Money Will Never Make You Happy
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/3
Can money buy you happiness? In this video, I deep-dive into the science behind why money can't buy happiness and discuss how our relentless pursuit of money is sabotaging our mental wellbeing.
The science behind why simply earning more money will never make you happy:
*"High income improves...
DON'T RETIRE YET - Wait!
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/30
If you're thinking about retiring, think again. Retiring one year later can make all the difference.
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the geographical region and indust...
How To Retire Early On The Average Wage (Simple Steps)
Historical Portfolio Returns Data
https://riskprofiling.com/WWW_RISKP/media/RiskProfiling/Downloads/Risk_and_Return_UKv3.pdf
Modelling Software
https://www.timeline.co/
Watch Next: How to Sort out Your Pension and Retire Early
https://youtu.be/psH0JTS6PsI?si=Ap9aam8szwFjx-d1
Financial Planning
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about our services, please follow this link: https://go.novawm.com/yt/78
Capital at risk. Past...
I only started investing in my 40s/50s
Do you feel like you’re behind with your retirement plans?
Thanks not surprising, almost everyone I meet thinks the same thing. But you are wrong.
Am I too late to start planning for my retirement?
Is 40 too late to start investing?
Is 50 too late to start investing?
Do I have enough time to see the investment growth I need?
Is it too late to pay into a pension?
NO.
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financia...
How To Save £1,000s in Tax Before 5th April (Spring Budget Changes)
HMRC Adjusted Net Income Guide - https://www.gov.uk/guidance/adjusted-net-income
My Guide - https://james-shack.co.uk/adjustednetincomeguide
Financial Planning
I am a Partner in a financial planning practice based in the UK. If you would like to find out more about our services, please follow this link: https://go.novawm.com/yt/77
Watch Next: Use Your Pension To Pay off Your Mortgage https://youtu.be/P9y63shSPfY?si=9ltSEEttbR8LgvPe
Capital at risk. Past performance is used as a guide only. It is no guarantee of...
The 3 Big Investing Mistakes Beginners Make (Stock market)
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/32
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the geographical region and industry sector. You should make yourself aware of these specific risks prior to investing. This video does not consti...
4 Uncomfortable Retirement Truths You Need To Hear
4 Uncomfortable Truths About Retirement.
Focus on what you can control - https://youtu.be/h7WIV4WspL0?si=2oE5DB3FSp0qds_Q
Annuities - https://youtu.be/M-03sb8DvFo?si=PkYK2knEB08rydCv
Watch Next - https://youtu.be/P9y63shSPfY?si=9ltSEEttbR8LgvPe
- Financial Planning -
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about our services, please follow this link: https://go.novawm.com/yt/76
Capital...
Stock Market Crash in Retirement - How to protect your future
The situation in Ukraine is creating waves in financial markets. If you’ve got time on your side, this could be a buying opportunity. But what if you’re about to retire? Or you’re already retired?
Retirees are especially vulnerable during the first few years of retirement. In this video, I talk through the systematic strategies you can implement to make retirement planning as stress-free as possible.
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find...
I Sold My Business For £2m - How Much Can I Spend In Retirement?
How much is enough to retire?
The answer will be different for everyone, but it’s important you find it, and when you do, act on it.
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/75
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and as...
How to boost your stock market returns by 1.3% PER YEAR!
As an investor, it may seem like the biggest challenge you face is deciding what to invest in... but you're wrong.
👉🏻 *Looking for help with Financial Planning?*
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/34
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset classes carry varying levels of risk depending on the...
Should You Pay Off Your Mortgage or Invest? (A 50-year historical backtest)
A look into the past to assess how often investing has beaten paying off your mortgage.
Graphs from the video
https://go.novawm.com/MortgageGraphs
Looking for help with Financial Planning?
I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. If you would like to find out more about working with us, please follow this link: https://go.novawm.com/yt/74
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and asset...
