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Aswath Damodaran YouTube - https://www.youtube.com/c/AswathDamodaranonValuationWebsite - 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/48Capital 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 investors will be unable to sell their holdings. Property valuations are subjective and a matter of judgement. Mortgage rates and eligibility are dependent on your personal circumstances. With interest only mortgages there is a chance that the repayment vehicle you have in place won't perform as well as you hoped, leaving you unable to afford the lump sum. In this case, you may need to sell your home or find another way to pay off the balance. 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).0:00 Two Strategies to Pay Off Your Mortgage2:44 Video Aims2:58 Understanding Risk5:04 A Thought Experiment6:48 Expected Returns of Corporate Bonds8:44 Inflation Expectations10:23 Expected Returns of Stocks12:59 How Demand for Risk Affects Expected Returns14:37 Evidence of Higher Expect Returns15:16 How to Calculate Expect Returns on Stocks18:44 How To Use This Data to Decide on MortgagesJames Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

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: https://go.novawm.com/yt/63Capital 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. Mortgage rates and eligibility are dependent on your personal circumstances. With interest only mortgages there is a chance that the repayment vehicle you have in place won't perform as well as you hoped, leaving you unable to afford the lump sum. In this case, you may need to sell your home or find another way to pay off the balance. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.

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/64Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.

Sign up to my Newsletter to receive my breakdown of the budget on the dayhttps://james-shack.co.uk/newsletterLooking 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/89Bed and breakfasting rules explained https://www.investopedia.com/terms/b/bed-and-breakfast-deal.aspRisk WarningsCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video.Issued on behalf of Nova. Nova is a trading name of Nova Wealth Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro00:56 The Key Questions 02:29 How Have We Got Here03:07 ISAs03:51 Capital Gains Tax09:20 Pensions14:18 Inheritance Tax16:05 Conclusion

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/65It’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/a-complete-guide-to-family-investment-companies-fics/*Discretionary Trusts* - (I am not endorsing this company, just the article)https://www.ts-p.co.uk/insights/discretionary-trusts-everything-you-need-to-know-about-them/00:00 - New member of the team01:19 - Why I WON’T invest for my Son05:12 - Grandparents and Other family08:29 - JISA09:19 - A Better Solution12:02 - Junior SIPP12:15 - Family Investment Company and Discretionary TrustCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.

✉️ Sign up to my Newsletter to receive my breakdown of the budgethttps://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/88Risk WarningsCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video.Issued on behalf of Nova. Nova is a trading name of Nova Wealth Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Retirement Has Changed02:07 Step 1: List and Project Future Income03:29 Step 2: Desired Expenditure04:20 Step 3: Liquid Assets04:50 Step 4: Assess Sustainability05:33 Step 5: Cash Flow Management06:30 Step 6: Tax Efficient Drawdown11:40 Decision Framework12:42 Rachel Reeves October 30th?! 14:34 Step 7: How to Invest

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-f7c480f7a1ebLooking 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/66Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.

Data Breach Checkhttps://haveibeenpwned.com/James Shack(ell) FCA Registerhttps://register.fca.org.uk/s/individual?id=003b000001JgtXkAAJLooking 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/87Risk Warnings and Disclaimers Capital at risk. Crypto investments are high risk and largely unregulated. You should not invest unless you're prepared to lose all the money you invest and should not expect to be protected if something goes wrong. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro01:21 Fred and Jemma06:42 How it Happened08:57 AI Voice Scam14:06 Deep Fake Scam15:47 Why Now - YouTube Scams18:31 How To Protect Yourself Online

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/67Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).00:00 Intro01:06 Tax-Free Cash07:05 Defined Benefit Pension09:59 Asset Splits James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.

👉🏻 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/86Signs of Bowel Cancer (make yourself aware!)https://www.bowelcanceruk.org.uk/about-bowel-cancer/symptoms/Signs of Prostate Cancerhttps://prostatecanceruk.org/prostate-information-and-support/risk-and-symptoms/prostate-cancer-signs-and-symptomsRISK WARNINGS AND DISCLAIMERSRisk WarningsCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro01:31 Their financial situation02:47 The initial plan (looking good)04:26 Dan’s diagnosis06:43 A message from Dan07:52 Back to their plan08:30 Assessing their options14:25 The compromise

Research in this video:Long-Horizon Losses in Stocks, Bonds, and Billshttps://papers.ssrn.com/sol3/papers.cfm?abstract_id=3964908Credit Suisse Global Investment Returns Yearbook 2023 Summary Editionhttps://www.credit-suisse.com/media/assets/corporate/docs/about-us/research/publications/credit-suisse-global-investment-returns-yearbook-2023-summary-edition.pdfAswath Damodaran US Asset Returnshttps://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.htmlLooking 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/68Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).00:00 Intro00:51 You’ve lost sight of your goals09:08 High interest rates, higher returns? DISCLAIMER:This channel is for education purposes only and does not constitute financial advice. Any opinions or assessments expressed are James’ own opinions or assessments, which are not affiliated with any third party. Any representations stated as facts or views based on such facts are relevant to circumstances applicable at the time of publication. This information should never be relied solely upon to make decisions, and James accepts no liability for any investment actions undertaken by viewers. Please seek regulated financial advice or an advisor if you require assistance. James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.

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/85ReferencesI would highly recommend watching the Rational Reminder Podcast episode on Alternatives. https://youtu.be/wDi7rkNcb1A?si=JRaCxRiPHbP-_aKjThe Performance of Hedge Fund Performance Feeshttps://papers.ssrn.com/sol3/papers.cfm?abstract_id=3630723Has Persistence Persisted in Private Equity? Evidence from Buyout and Venture Capital Fundshttps://bfi.uchicago.edu/wp-content/uploads/2020/11/BFI_WP_2020167.pdfHow to Use Alternatives in Your Portfoliohttps://www.morningstar.com/alternative-investments/how-use-alternatives-your-portfolioRISK WARNINGS AND DISCLAIMERSCapital 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. The property market can be illiquid; consequently, there can be times when investors will be unable to sell their holdings. Property valuations are subjective and a matter of judgement. VCTs, EIS and SEIS should be regarded as higher risk investments. They are only suitable for UK resident taxpayers who can tolerate higher risk and have a medium to long term time horizon. Owing to the nature of their underlying assets, these investments are highly illiquid. Investors should be aware that they may have difficulty, or be unable to realise their shares at levels close to or that reflect the value of the underlying assets. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 The question? 01:25 What are they investing in?03:30 The Power of Diversification04:49 Commercial Property06:17 Property Funds07:07 Commodities07:36 Private Equity10:57 Private Equity Funds14:00 Hedge Funds15:32 Conclusion

👉🏻 *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/26Risk Warnings and DisclaimersCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).This is the third video in this retirement planning series, the first two are:If you ever plan on retiring you need to watch thishttps://youtu.be/By7czOU5AigAll good retirement plans start here - Step 1https://youtu.be/9NGajZhp-C0The software used in this video is called Timeline, it’s built for financial planners to use with their clients but you can sign up for the free 30 day trial and give it a go yourself. https://www.timelineapp.co/Guyton's Guardrailshttps://cornerstonewealthadvisors.com/wp-content/uploads/2014/09/08-06_WebsiteArticle.pdfJames Shack™ property of James ShackellCopyright © James Shackell 2021. 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.0:00 Intro2:37 Ben and Alice (Planning example)3:35 Intro to Timeline6:01 Risk7:15 Realistic Cashflows8:21 Variable Withdrawal Rates13:08 Part Time WorkRisk Warnings and DisclaimersCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).

👉🏻 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/84Video Editor Application - Applications are now closedHow to Maximise your State Pensionhttps://youtu.be/fG_D-JFdwBM?si=1-ltD_hX3gXPyuZWRISK WARNINGS AND DISCLAIMERSCapital 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. Offshore investment bonds are medium to long-term investments and should not be entered into if you envisage withdrawing your money during the first five years. It can take longer to access funds held in an offshore bond than funds held in your own name, and there may be restrictions on the type of investments you can hold in an offshore bond. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only, and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third-party websites and content we may link to from this video. Issued on behalf of Nova Wealth. Nova Wealth is a trading name of Octopus Wealth Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro01:06 Their starting situation02:37 Where we invested their money05:25 How we created their 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/27Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).For a higher more sustainable income in retirement, you’ll need a higher level of investment growth, and to get higher levels of growth you need to take more risk. With higher levels of investment risk come higher levels of short-term volatility. If you think you can stomach a 40% drop in the value of your portfolio, without panicking, then being 100% invested in stocks and shares may be right for you. If you think that would stress you out, then you need to reduce the risk by adding an allocation to bonds, or other diversifying assets, to your portfolio. Watch the first video in this series here:https://youtu.be/LCYINIELH2wDISCLAIMER:This channel is for education purposes only and does not constitute financial advice - James is not responsible for investment actions taken by viewers. Please seek out a regulated advisor if you require assistance (whilst James is a financial adviser, he does not provide advice through this Youtube Channel, which is not affiliated with his employer).James Shack™ property of James ShackellCopyright © James Shackell 2021. 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.0:00 Recap2:25 Risk and Return6:15 Investment time horizonsCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).

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/83ReferencesMind the Gap Report: https://www.morningstar.com/lp/mind-the-gapLululemon 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-moreRISK WARNINGS AND DISCLAIMERSCapital 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. Any examples used in the video are for illustrative purposes only, and you may get less back than the figures shown. This video does not constitute personal advice. Issued on behalf of Nova Wealth. Nova Wealth is a trading name of Octopus Wealth Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro00:35 Lie 1 - You're being lied to08:35 Lie 2 - You’re lying to yourself13:02 Lie 3 - “Great companies make great investments”

👉🏻 *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/28In 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 of whether mortgages or debt are good or bad. But these views are often not our own. Instead, they’re typically formed early in life, often from our parents. Perhaps your parents were big spenders and liked to live on the edge, with large mortgages, and you saw it blow up in their faces. Or, on the other hand, maybe they were big savers and paid off their mortgages as fast as they could, or never had them at all. Perhaps you've even had it drummed into you that all debt is bad.We see the same thing with stock market investing or pensions. If someone we know has had a bad experience with them, we're likely to assume that they're bad. Or, on the other hand, if someone we know, or see online, has made a load of money betting on high-risk single stocks, we'll assume that’s a great way to make money.And this is because we put a lot of weight on the stories we hear, from people we know.But you need to look past these anecdotes and make your own decisions based on data.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. The property market can be illiquid; consequently, there can be times when investors will be unable to sell their holdings. Property valuations are subjective and a matter of judgement. Mortgage rates and eligibility are dependent on your personal circumstances. With interest only mortgages there is a chance that the repayment vehicle you have in place won't perform as well as you hoped, leaving you unable to afford the lump sum. In this case, you may need to sell your home or find another way to pay off the balance. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).James Shack™ property of James ShackellCopyright © James Shackell 2021. 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.0:00 Intro1:07 Mental Accounting5:32 Investing Vs Overpaying Mortgage9:25 High-Interest Rates

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/82How Much Do I Need To Save Toolhttps://james-shack.co.uk/savings-calculatorSoftware 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 together different indices to cover different periods, but the modern version of the indices used in this video are:Global Equities - Morningstar Global All Cap Target Market ExposureGlobal Bonds - Morningstar Global Core BondRISK WARNINGS AND DISCLAIMERSCapital 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 of Nova Wealth. Nova Wealth is a trading name of Octopus Wealth Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro01:15 How much do I need to retire?13:02 How much do I need to save?

👉🏻 *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/29Capital 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 responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).If you're watching this is the new year, then there is a very good chance that you'll actually find the motivation to do this so I've made this as easy as I possibly can. 💷 Expenditure Allocation Spreadsheethttps://james-shack.co.uk/budget-planner💷 Video on Calculating Expenditurehttps://youtu.be/9NGajZhp-C0📈 Cashflow Model - Has been discontinuedDISCLAIMER:This channel is for education purposes only and does not constitute financial advice - James is not responsible for investment actions taken by viewers. Please seek out a regulated advisor if you require assistance (while James is a financial adviser, he does not provide advice through this Youtube Channel, which is not affiliated with his employer).James Shack™ property of James ShackellCopyright © James Shackell 2021. 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.0:00 Intro2:42 Define the problem6:06 Where you are now7:49 What you need to changeCapital 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 responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).

Financial PlanningI 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/81RISK WARNINGS AND DISCLAIMERSCapital 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 of Nova Wealth. Nova Wealth is a trading name of Octopus Wealth Limited, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro01:08 Pre-Retirement Mistakes07:11 Drawdown Mistakes

Watch Next: https://youtu.be/nvpkkBZjrH0?si=98PsNJYxjULcod8BDownload Budget Planner Templatehttps://james-shack.co.uk/budget-plannerFinancial PlanningI 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/80Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Death of a friend00:49 Jess and Jack’s financial situation01:29 How much will I spend?07:49 What everyone forgets 10:05 What about inflation and investment returns?12:42 How long will I live?

Watch Next: https://youtu.be/P9y63shSPfY?si=fuzvNa0iCc08_e6-Financial PlanningI 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/79Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).Aviva Life Insurance Calculator (Not a recommendation to use AVIVA): https://www.aviva.co.uk/insurance/life-products/life-insurance/life-insurance-calculator/Video Links What to Invest inhttps://youtu.be/uCydOfGCDDQ?si=8hTecwxHiI1R-J4Rhttps://youtu.be/aL-GgWkA25Q?si=UviDj56X4tg5NPzJ (Ignore the fact this is vanguard-centric)https://youtu.be/lGQ9KyQq8Jw?si=79M8DSuZR7MEMYaG (Ignore the fact this is vanguard-centric)Using a pension to maximise tax relief and reclaim benefitshttps://youtu.be/pE2V83OybUo?si=FQU_BnsRUk5Yfe3hInvesting vs re-paying mortgagehttps://youtu.be/9MfCVkRvjQs?si=uflvQlhC5SMoZ0JUhttps://youtu.be/MWadHLKMgB4?si=r56LI_H5GA7-zLIjInvesting for your kids https://youtu.be/FYzfGeeOJfs?si=CgU6YDeEVVra0gKq James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro01:29 Emergency Fund03:02 Insurance04:33 Pension Contribution Match05:09 Paying Off High-Interest Debt05:42 Pension and ISA08:14 Overpay Mortgage08:50 General Investment Account09:48 Junior ISA and Junior SIPP10:02 Residential and Commercial Property10:39 Venture Capital Trust, EIS and SEIS13:24 Final TierCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).

👉🏻 *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/25Risk Warnings and DisclaimersCapital 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. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).Taking pension benefits when you reach 55 may be the worst financial mistake of your life. Over the last few months, lots of you have been getting in touch asking for help with your financial planning. Most of you have been making simple mistakes that are easy to fix, but there are some mistakes that I cannot help you with. These are the 3 Big Pension Mistakes that I’ve seen people make, I want you to know about them so you don't fall into the same traps. James Shack™ property of James ShackellCopyright © James Shackell 2021. 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.0:00 Intro1:38 Pensions Recap3:24 Mistake Number 16:36 Mistake Number 208:18 Mistake Number 3

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/3Can 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 evaluation of life but not emotional well-being"*Daniel Kahneman and Angus Deaton 2010https://www.pnas.org/content/107/38/16489*"Lottery winners and accident victims: is happiness relative?"*P Brickman, D Coates, R Janoff-Bulman 1978https://pubmed.ncbi.nlm.nih.gov/690806/*Maslow's Hierarchy of Needs*https://www.simplypsychology.org/maslow.htmlThe amount past which money ceases to make you happy will depend on where you live and the size of your family. But roughly this converts to: *US $75,000UK £40,000London £55,000*The point is not to fixate on what that figure is for you, but just to be mindful that you will, as some point, get to a position where earning more money will not have the same effects on your mental wellbeing as it did before. Being aware of this will allow you to then start to divert your efforts into areas of life that will actually help you and the people around you. The hedonic treadmill, also known as *hedonic adaptation*, is the observed tendency of humans to quickly return to a relatively stable level of happiness despite major positive or negative events or life changes.When I was a financial adviser, I worked with people earning thousands and some people earning millions a year. And I can tell you that money is not a predictor of happiness. After a certain point, more money ceases to make us happy. This point is generally after we have enough money to satisfy our basic needs, as detailed in Maslows Hierarchy of needs. https://www.simplypsychology.org/maslow.htmlThe actual monetary figure that you'd need to accomplish this will depend on where you live. But once you are earning enough, your efforts would be much better spent on building relationships and finding a true purpose in life. However, money can buy you freedom, and it does this by allowing you to make choices. To choose where you live, or what job you do. To be able to see a doctor whenever you need to or get help looking after children. It definitely helps to make life easier and gives you more time to focus on the important things in life... or so you'd think. But just as money can free you it can also become a trap. As people earn more and more, they become accustomed to the luxuries that they can afford. So much so that they are unable to give them up and end up spending more than they can afford or getting stuck in jobs that they hate. The classic case of Golden Handcuffs.DISCLAIMER:This channel is for education purposes only and does not constitute financial advice - James is not responsible for investment actions taken by viewers. Please seek out a regulated advisor if you require assistance. James Shack™ property of James ShackellCopyright © James Shackell 2020. 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.

👉🏻 *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/30If 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 industry sector. You should make yourself aware of these specific risks prior to investing. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).Planning for income in retirement is complicated, especially when stock market returns are so unpredictable. But there are useful tools we can use to help guide our decisions. When I first put Ben's details into Timeline the output looked more positive than in my own model. This is because my model uses more conservative expected returns (7.5% for global equities and 2.5% for govt bonds) than the historical averages Times uses. I thought this discrepancy would distract viewers from the real lesson at hand. So, I increased the level of expenditure to £45,000 from 55-75 and to £35,000 from 75-95. With this, the median line neatly ran out at 95, and we could still see the same effects of retiring later. James Shack™ property of James ShackellCopyright © James Shackell 2022. 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.00:00 Intro00:36 A Big Mistake02:17 The Explanation05:37 TimelineCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).

Historical Portfolio Returns Datahttps://riskprofiling.com/WWW_RISKP/media/RiskProfiling/Downloads/Risk_and_Return_UKv3.pdfModelling Softwarehttps://www.timeline.co/Watch Next: How to Sort out Your Pension and Retire Earlyhttps://youtu.be/psH0JTS6PsI?si=Ap9aam8szwFjx-d1Financial PlanningI 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/78Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro01:29 Average Wage Example08:07 Average Wage Retirement Lifestyle10:35 Lower Wage Examples11:49 Effects of Saving More

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 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/31Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).James Shack™ property of James ShackellCopyright © James Shackell 2022. 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.0:00 Intro1:02 Alice and Ben2:37 Not Normal3:18 People in their 40s/50s6:44 Investment horizons8:08 Not Alone

HMRC Adjusted Net Income Guide - https://www.gov.uk/guidance/adjusted-net-incomeMy Guide - https://james-shack.co.uk/adjustednetincomeguideFinancial PlanningI 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/77Watch Next: Use Your Pension To Pay off Your Mortgage https://youtu.be/P9y63shSPfY?si=9ltSEEttbR8LgvPeCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro02:04 Biggest Missed Opportunities02:53 Pension Recap04:27 No Income or Retired06:51 £50k - £90k09:59 Important Message For Everyone10:31 £50k - £90k cont 12:02 £90k + 15:13 Where Everyone Gets It Wrong16:12 Pension Vs ISA17:23 Helping Family Members

👉🏻 *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/32Capital 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 constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).James Shack™ property of James ShackellCopyright © James Shackell 2022. 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.0:00 Intro0:28 Mistake 14:46 Mistake 29:58 Mistake 3

4 Uncomfortable Truths About Retirement. Focus on what you can control - https://youtu.be/h7WIV4WspL0?si=2oE5DB3FSp0qds_QAnnuities - https://youtu.be/M-03sb8DvFo?si=PkYK2knEB08rydCvWatch 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/76Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro00:33 Uncomfortable Truth #105:08 Uncomfortable Truth #207:45 Uncomfortable Truth #309:48 Uncomfortable Truth #4

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 out more about working with us, please follow this link: https://go.novawm.com/yt/33Capital 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. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).James Shack™ property of James ShackellCopyright © James Shackell 2022. 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.0:00 Intro0:48 Sequencing Risk4:46 Step 15:31 Step 2 7:19 Step 3

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/75Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Harry and Daisy05:32 The Utility of Money08:00 Mike and Helen14:32 Harry and Daisy - What we changed

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/34Capital 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 constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).James Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

A look into the past to assess how often investing has beaten paying off your mortgage. Graphs from the videohttps://go.novawm.com/MortgageGraphsLooking 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/74Capital 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. Mortgage rates and eligibility are dependent on your personal circumstances. With interest only mortgages there is a chance that the repayment vehicle you have in place won't perform as well as you hoped, leaving you unable to afford the lump sum. In this case, you may need to sell your home or find another way to pay off the balance. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 The Problem with Averages02:24 Tom and His Question04:07 Historical Market Data05:24 How the Test Works07:13 ISA Results09:24 Different Mortgage Sizes09:47 Pension Results12:28 Pension +113:34 Different Time Periods14:27 60% Stocks 40% Bonds16:31 Key Considerations19:26 Why this was not for Tom

👉🏻 *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/35Capital 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. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).James Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

The three retirement planning tasks I would start with and keep doing every year. Download the tools here: https://james-shack.co.uk/retirement-toolsLooking 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/73Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2024. 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.00:00 Intro00:57 Task 107:01 Task 2 - How much I should be saving07:54 Task 3 - Performance benchmark

A 100 year backtest using global stock market data to find out how much you ACTUALLY need to retire. The 4% rule is used across the world as a guide to understand how much you need to retire. But it fails. A lot. 👉🏻 *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/36Risk WarningsCapital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. 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. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).0:00 The Problem2:10 The 4% Rule2:59 My Study - £20k per year4:46 Why the 4% rules fails7:53 How much do we actually need?11:33 GIA VS Pension12:04 Testing other variablesJames Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

I know it’s tempting, but it does not pay to chase past performance. This backtest was done using https://www.timeline.co/To get data going back to 1908, they use a combination of indexes, but they currently map to: US Total Market - Morningstar US MarketUS Aggregate Bonds - Morningstar US Core BondGlobal Equities - Morningstar Global All Cap Target Market ExposureGlobal Aggregate Bonds - Morningstar Global Core BondLooking 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/72How we invest for our clients: https://youtu.be/jjWmaRKmnEA?si=H9Q8K-2N8bdLNSDlCapital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796). James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.00:00 Intro00:57 The Test04:14 US07:46 Global13:26 Third Strategy

👉🏻 *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/37Capital 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. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).0:00 Intro0:34 Pain1:14 Zoom Out2:05 No Pain No Gain6:05 This is Good9:14 What to do in RetirementJames Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

Are you chasing your own definition of success or someone else's? 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/71DISCLAIMER:This channel is for education purposes only and does not constitute financial advice. Any opinions or assessments expressed are James’ own opinions or assessments, which are not affiliated with any third party. Any representations stated as facts or views based on such facts are relevant to circumstances applicable at the time of publication. This information should never be relied solely upon to make decisions, and James accepts no liability for any investment actions undertaken by viewers. Please seek regulated financial advice or an advisor if you require assistance. The value of an investment and the income from it can go down as well as up and investors may not get back the amount invested. James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.

If you're holding cash right now or thinking about delaying your next monthly investment then this video is for you. The stock market has been extremely volatile of late and it's no wonder you're feeling nervous. But this is what separates the good investors from the bad. Naturally, humans are terrible investors but you can become great by taming your emotions. 👉🏻 *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/38Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).0:00 Intro0:47 I have no idea2:03 Monkey Brain4:48 Conditioning experimentJames Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

Like investment returns, an adviser adding value to your finances is not guaranteed. You may get back less than you pay (or invest!). But, hopefully, this video gives context to how GOOD financial planners can add considerable value over the long term. 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/70Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).Referenceshttps://docs.google.com/document/d/1qyzv5E9Mw4sfLbNfg5uMq6vlDu4Ut-z857m58d2iKs4/edit?usp=sharing00:00 Intro 01:34 The Costs02:00 The Power of Good Financial Planning03:46 What you think it is Vs What it actually is10:17 What is the cost of not doing this properly?10:45 What is the definition of success11:37 Quantifying the value of advice12:39 Quantitative value examples17:19 Types of people most likely to benefit22:33 Risk Vs Reward James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.

Calculating how much you’ll need to save each month is hard… so I’ve made a calculator that does it for you!Please download or make a copy of the calculator here:https://bit.ly/3aRLRDlGoogle limits access to 100 people at a time so if you can’t get in please try these additional links:https://bit.ly/3ObKzkGhttps://bit.ly/3MDM1va👉🏻 *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/39DISCLAIMER:This channel is for education purposes only and does not constitute financial advice - James is not responsible for investment actions taken by viewers. Please seek out a regulated advisor if you require assistance (while James is employed as a financial adviser, he does not provide advice through this Youtube Channel, which is not affiliated with his employer).0:00 Intro0:42 Why4:02 The Backtest5:06 The Results5:42 The Calculator6:54 Historic Growth Rates7:48 The Calculator cont.9:54 My ResultsJames Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

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/69Capital 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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).Videos to watch:How to Sort Out Your Pensions TODAY and Retire Earlyhttps://youtu.be/psH0JTS6PsI?si=P0bJzYLJ8c7wfkCRPicking Funds | The 3 Big Mistakes Everyone Makeshttps://youtu.be/16bauiT1F20?si=SAMIr5iO6CB-zM4V00:00 Intro1:43 Who is responsible?4:49 Default Funds6:32 Fund Examples9:57 Bond Expected ReturnsDISCLAIMER:This channel is for education purposes only and does not constitute financial advice. Any opinions or assessments expressed are James’ own opinions or assessments, which are not affiliated with any third party. Any representations stated as facts or views based on such facts are relevant to circumstances applicable at the time of publication. This information should never be relied solely upon to make decisions, and James accepts no liability for any investment actions undertaken by viewers. Please seek regulated financial advice or an advisor if you require assistance. James Shack™ property of James ShackellCopyright © James Shackell 2023. 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.

There are two things that you need to understand about the stock market. 1) A ≠ BThe stock market is one of - if not the - most complex system we know. The number of variables that influence stock prices is near-infinite. And any patterns we observe, or opportunities we see to predict what might happen, are short-lived and eroded by the activities of other investors. If a new event "A" occurred, and it looked like it was going to cause "B", the market would move within minutes to bake this into stock prices. This brings me nicely to reason number 2:2) It's forward-lookingThe stock market is constantly weighing the odds and potential outcomes of what might happen in the future. So all the risks you read in the newspaper will already be baked into stock prices. Does the market get it right all the time, no, does it get it right more than you? Yes.You can either buy into that collective intelligence, and trust the market, or you can pit your wits against 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/40*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 reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. Crypto investments are high risk and largely unregulated. You should not invest unless you're prepared to lose all the money you invest and should not expect to be protected if something goes wrong. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).0:00 A recession is coming1:22 Reason 15:54 Reason 29:06 In the context of today's environment11:40 Take awaysJames Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

👉🏼 Looking for help planning your retirement? I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. Find out how we can help here: https://go.novawm.com/yt/8WAh4KczcKkRisk Warnings and DisclaimersCapital at risk. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).James Shack™ property of Shack Media LimitedCopyright © James Shackell 2025. 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.00:00 Intro02:41 ISAs05:39 Capital Gains Tax and Property09:50 Pensions17:22 Inheritance Tax

How accurate is the stock market at predicting the future? There is evidence that suggests markets are inefficient at times, but research also shows that investors are unable to profit from them consistently. So what does this mean for us? 👉🏻 *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/41Capital 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 constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).0:00 Predicting the future1:05 Musk vs Twitter4:46 Activision6:06 Efficient Markets Theory7:55 Critics of EMH - Behavioural Finance9:03 Tests of Market Efficiency 11:00 WHAT DOES THIS MEAN (for me?)James Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

👉🏼Looking for help planning your retirement? I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. Find out how we can help here: https://go.novawm.com/yt/yy8oHj8s3b4Introduction to Factor Investing - Rational Reminderhttps://youtu.be/ViTnIebSzj4Is Factor Investing Worth It - Rational Reminderhttps://youtu.be/ukgE8oX-4lE?si=I2fWKqRbw6-Iwlcj&t=2341Traditional Passive vs Factor Investing Debate - Whitecoat Investorhttps://www.youtube.com/watch?v=NHlUsZmgSqgCapital 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. Factor investing focuses on specific styles, like value or momentum. These approaches can perform poorly for long periods, and there is no guarantee they will beat the wider market. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third-party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).James Shack™ property of Shack Media LimitedCopyright © James Shackell 2025. 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.00:00 Tom’s Situation02:16 The Two Strategies03:51 Do Dividends Enhance Returns? 07:13 Do Dividends Provide Downside Protection?08:38 Dividend Cashflow Benefits?11:19 A Better Way to Assess Sustainability14:27 Explaining Dividend Stock Outperformance

With mortgage rates rising every week you need to act quickly. These strategies will help you get the lowest rates available. Big thanks to my colleague Ben, who helped me put together this video. Top bloke and broker! 👉🏻 *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/42Capital at risk. Any examples used in the video are for illustrative purposes only and you may get less back than the figures shown. Mortgage rates and eligibility are dependent on your personal circumstances. With interest only mortgages there is a chance that the repayment vehicle you have in place won't perform as well as you hoped, leaving you unable to afford the lump sum. In this case, you may need to sell your home or find another way to pay off the balance. This video does not constitute personal advice. We do not take any responsibility for third party websites and content we may link to from this video. Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).0:00 Intro1:16 Mistake 15:22 Mistake 28:16 Mistake 3James Shack™ property of James ShackellCopyright © James Shackell 2022. 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.

👉🏼 Looking for help planning your retirement? I am a Chartered Wealth Manager and Partner in a financial planning practice based in the UK. Find out how we can help here: https://go.novawm.com/yt/56h-kRxEug📧 Email template to send to your pension provider: https://go.novawm.com/PPA-email-template🪧 Example public statements from pension providers: Fidelity: https://www.fidelity.co.uk/normal-minimum-pension-age-nmpaThe People’s Pension: https://thepeoplespension.co.uk/minimum-pension-age-change/Aviva: https://www.aviva.co.uk/retirement/pension-basics/changes-to-pension-age/Risk Warnings and DisclaimersCapital at risk. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. Any examples used in the video are for illustrative purposes only, and you may get less back than the figures shown. This video does not constitute personal advice. We do not take any responsibility for third-party websites and content we may link to from this video.Issued on behalf of Nova. Nova is a trading name of Nova Wealth Ltd, which is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796).James Shack™ property of Shack Media LimitedCopyright © James Shackell 2025. 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.00:00 What’s happening03:30 Why will some pensions get a PPA but others won’t04:05 Who will benefit the most from a PPA06:36 Key details about a PPA (be careful!)08:07 Making compromises10:29 How to find out if you have a PPA