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📺 WATCH - NEW VIDEO ✅ -10 STATE PENSION SECRETS👇
   • 10 State Pension SECRETS - are you be...  

In this video I go over probably the least exciting area of finance. The State Pension! Can I make it exciting? Probably not but we all love a trier.

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I am a Chartered Financial Planner providing financial planning services in the UK. I help people retire earlier, make the most of their finances, protect their family and save taxes. If you would like to find out more about working with me, please follow this link:
https://www.videoask.com/f07zk2hd8

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7 CRITICAL PENSION MISTAKES - AVOID THESE TO RETIRE EARLY
   • 7 CRITICAL pension mistakes - avoid t...  

PROPERTY OR PENSION? A CHOICE AS SAFE AS HOUSES?
   • Property or Pension - A choice as saf...  

TIMECODES
0:00 - State Pension Explained
0:21 - What is the State Pension?
1:21 - How much is the State Pension?
1:41 - When do I get it?
2:32 - How does it work?
3:22 - How much do you need to earn to meet the contribution threshold?
4:21 - The different systems
4:46 - What you can do
6:16 - Tax and Deferring Options

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REFERENCES

CHECK YOUR STATE PENSION
https://www.gov.uk/check-state-pension

WHEN DO YOU GET YOUR STATE PENSION
https://www.gov.uk/state-pension-age
https://www.gov.uk/government/news/pr...

CONTRACTING OUT - A BACKGROUND
https://www.gov.uk/government/publica...

PLEASE BE AWARE IF YOU PLAN TO RETIRE ABROAD
https://www.gov.uk/state-pension-if-y...

NATIONAL INSURANCE CREDITS - ELIGIBILITY
https://www.gov.uk/national-insurance...

SOME GOOD NON-GOVERNMENT SOURCES OF INFORMATION
https://www.moneysavingexpert.com/sav...
https://www.gov.uk/check-state-pension

CONTRACTING OUT - IN MORE DEPTH
https://www.which.co.uk/money/pension...

Booklet from Royal London on contracting out (booklet is 2018/19)
https://www.royallondon.com/about-us/...
https://www.royallondon.com/siteasset...

*Bit of a weird edit cut on the personal allowance which cut off me saying £12,570 and don't even get me started on 'unnecessary'.

A BORING BUT IMPORTANT DISCLAIMER:
This channel provides information on general financial planning. It is for educational purposes only and does not constitute financial advice. Unless you take regulated financial advice only YOU are responsible for your own decisions therefore we cannot be responsible for any action or inaction you take. Please take advice specific to you before making any decisions. Principles Personal Finance is an educational channel and is not affiliated with my employer. As such views are stated are individual and should be seen as such.

Investment involves risks. The investment return and principal value of an investment may fluctuate so that an investor's portfolio, when redeemed, may be worth more or less than its original value. Past performance is no guarantee of future results. The information provided in this presentation has been compiled from sources believed to be reliable and current, but accuracy should be placed in the context of the underlying assumptions.

A WARNING
There are some scams on YouTube where a profile image is copied then used to promote cryptocurrency scams and all that nonsense. I will never, ever, contact you selling any investment product or service. I would never do that, am not allowed by regulation and it goes against the intention of this channel is to educate and inform.