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A Wealthy Life

Apr 4, 2024

Episode 110: A to Z of investing – What you need to know with Jay Rooney



Welcome back to another episode of "A Wealthy Life," where we explore the intricate world of financial planning for a secure retirement. 


We're joined again by Jay Rooney, a dual expert in pensions and property investment, who helps unravel the complexities of creating a robust retirement strategy. 


Together, we compare the pros and cons of property investment and pensions, examining types of pensions like defined contribution schemes and how they stack up against the allure of property investing. 


Jay provides valuable insights into why it might not be advisable to use self-invested personal pensions (SIPPs) for residential property investments due to potential heavy taxes and fines, while also shedding light on the benefits of commercial property investment within a pension.


The choice between property and pensions can be daunting, but fear not, as we discuss strategies that can lead to a secure financial future. 


Business owners, in particular, will find our conversation on using retained profits to reduce corporation tax through pension contributions especially intriguing, as well as the potential for leveraging intercompany loans for property investments.


We discuss the direct control property investments can provide and contrast it with the benefits of pensions, particularly the tax advantages and the way they can be passed on to beneficiaries. 


The conversation also covers how a well-managed pension can outlive the holder and continue to provide for future generations.


If you're curious about how financial education has evolved and why it's so vital today, or you're pondering the use of ISAs for your savings, then this episode is an essential listen. 



--------- EPISODE CHAPTERS ---------


(0:00:29) - Pensions vs. Property Investing Options

(0:11:53) - Investing in Pension and Property

(0:21:18) - Property Control vs Pension Succession

(0:30:00) - Investment Strategies and ISAs

(0:36:20) - Advantages and Management of Investment ISAs

(0:48:52) - Importance of Financial Education



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Has this podcast started you thinking about what A Wealthy Life might look and feel like for you?


Why not spend another 3 minutes and take my online audit called Readiness to Retire Wealthy based on the five principles discussed in The Wealthy Retirement Plan book and episodes of this podcast?


The assessment provides you with a personal score and report to help you take back control of your financial future – something business owners and employees both forget – but for different reasons.


Browse Books by Vicki: 

Using Other People’s Money: How to invest in property 4th edition  

Make More Money from Property: From investor thinking to a business mindset 2nd Edition  

Property for the Next Generation: Securing your future in uncertain times 2nd Edition  

The New Estate: Insights from the 22nd century  

The Wealthy Retirement Plan: A revolutionary guide to living the rest of your in style  


Or read the following Ebooks on  

9 Critical Property Principles  

The De-Job Yourself Manual: Break your reliance on a monthly wage  

The Values Manual: Understand what your values are and how they can be key to a successful business   

The Goal Setting Manual: Create meaningful and practical goals then achieve them