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  • Buy-to-Let

    Property Investment or Financial Investment?



    Would you invest in property right now or utilise the services of a financial advisor?

    The latter option is hassle free, you hand over your cash and monitor your statements!

    But, there's something about property investment - owning a tangible asset and driving past with the kids, saying that's ours! It's the hassle of tenants though, it's like having a second job!

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    Hi Nick,

    I much prefer owning something tangible myself, but everyone is different.

    See  - Questions to ask yourself before becoming a Landlord.

    For those who do not like the "hassle" of tenants, our lettings partner Northwood offers their Guaranteed Rent Service, which has now been operating for 21 years.

    It is a "let and forget" solution.



    There are also some opportunities where you can invest in residential buy to let in a "fractional" manner, which will likely be of interest to those who do not want the "hassle" of managing tenants.

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    The Truth is you can have Both

    Spread your risk

    I think most of us have been shocked in the sector has changed in just a few years

    BTL is a great investment but its very political and it can change overnight with a Budget

    None of us saw S24 ect

    So I take a view that more changes will happen and its unwise to put all your eggs in the same basket

    Pensions ISA ect now have a place in our world

    Pension Strategy allows me to plan for IHT and a Tax free Lump sum every year

    40% back for every pound invested is a good boast  In anyone's plans

    The problem I see is Landlord education and the word Pensions switches them off

    a great deal has changed in pension planning its good to learn new tricks.

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    Learn Change and Adapt ?????

    All comments are for casual information purposes only. If you wish to rely on any advice I have given please ensure you obtain independent specialist advice from a third party. No liability is accepted for comments made.


    Dear dyslexic landlord, I am interested to hear more about your pension strategy. I have seen in other posts that you combine pension and property. I can see the wisdom of what you have explained you are doing but cannot quite understand the practicalities - what do you actually do. For instance, are you taking about saving into a pension plan for a certain number of years, then drawing the pension and using the funds to buy property (in which case, it seems like a very long term strategy and you would need to have reached a certain age, if you are a youngster, before you can draw your pension - from my current limit knowledge... and maybe it is too late it's too late for me at the age of 63) or are you investing oil a pension scheme that purchases property as part of the scheme, getting the 40% benefit plus the property investment benefit simultaneously or is it something quite different?  Can you give a 'mugs' guide to the pension approach please as it sounds very interesting. I'm interested for myself (aged 63 and female and already in receipt of my employment pension - and quite possible never going to receive a state pension because the govt put the age back every year for my age group, keeping it constantly just out of reach - and I suspect they plan for us all to die before we reach the qualifying age) and for a male relative aged 32. I would very much appreciate some guidance on this.

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    Hi Julie

    I can talk you through my strategy

    if you care to drop me an email via Property Tribes we could have a phone chat

    would be happy for you to ring me and I will outline what I am doing

    I am 60 so we are quite close on age

    I am not qualified to give advice but happy to share knowledge with other Landlords

    look forward to hearing from you

    DL


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    Learn Change and Adapt ?????

    All comments are for casual information purposes only. If you wish to rely on any advice I have given please ensure you obtain independent specialist advice from a third party. No liability is accepted for comments made.

    Assuming you fully qualify you get SP at exactly age 66 if you are exactly 63 today - and a few weeks earlier if you are 63.5 today - as you say assuming no further deferral of SP age


    Get a free SP estimate online

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