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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!
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.
Vanessa Warwick Landlord and Co-Founder of PropertyTribes.com **If you have got value from Property Tribes, find out how you can support it in remaining a free to use community resource**
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.
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.
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
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