Lightyear

Everyone needs safety sometimes. So in this video we'll look at the defensive side of your portfolio such as money market funds, gilts, gilt ETFs, and wealth preservation trusts. If you're in or near retirement and holding some of these in the UK, the answer to which one you should use isn't just about yield. It's about tax, about which wrapper it sits in, and about whether you have capital losses in your general investment account. Thank you to Lightyear for sponsoring this video. Use the code PENSIONCRAFT to get between £10 and £100 in a fractional share or ETF in your General Investment Account. See full T&Cs at https://lightyear.com/pensioncraft Capital at risk. ISA rules apply. Promotional terms apply. Ramin and Wander, Lightyear’s UK CEO, talk about the state of UK investing https://www.youtube.com/watch?v=W2t1HMJ-BRo How To Buy UK Government Bonds (Gilts) https://youtu.be/eNdYgB0pqwM?si=S2hOV09dBdUQjZ3c ✔️ If you want to learn more about investing, why not become a pensioncraft.com member? To find what we offer and how you can join our friendly community click here https://www.pensioncraft.com/investor-education/membership/ What Else PensionCraft Offers: 💡 Book a coaching session with Ramin so he can answer your questions in a one-to-one video call via Zoom: https://pensioncraft.com/power-hour/ 📰 Sign up for our free weekly market roundup to get news and views about what's going on in the stock market and wider economy https://pensioncraft.com/market-roundup/ 📖 Understand investment in more depth with my online courses https://pensioncraft.com/courses-we-offer/ ❓ Join PensionCraft on YouTube and you’ll be supporting me to make more content and I will answer your questions and respond to your comments on YouTube as a priority https://www.youtube.com/pensioncraft/join 🎧Check out our free weekly podcast "Many Happy Returns" on your podcast app of choice or at https://www.youtube.com/@ManyHappyReturnsPodcast The Following Data Sources Help Me Create My Videos (These links provide new users with a special offer and may also provide me with a small commission) ✔️ Stockopedia - New users get a special 25% discount on any annual plan if they use this link http://stk.pe/pensioncraft or enter our promo code 'PC25' at the checkout. ✔️ ShareScope & Sharescope Pro - special discount offers are available for PensionCraft viewers who use this link https://www.sharescope.co.uk/pensioncraftsp ✔️Bondfish provides bond market data, analytics, and broker availability. New users get a special 20% discount on the Premium plan when they use the promo code PENSIONCRAFT at https://bondfish.com/pensioncraft Timestamps 00:00 Introduction 01:48 Tax and Rate Backdrop 02:50 Asset Tax Priority List 04:39 Money Market Funds Explained 06:12 Gilts and the CGT Edge 08:47 Gilt ETFs vs Direct Gilts 12:55 Wealth Preservation Trusts 15:07 Common Misconceptions 14:44 Three Step Decision Framework 17:57 Platforms and Buying Tips 18:50 My Core Portfolio Choice Where Else You Can Find Me 🌐 Website - https://pensioncraft.com/ 📱 Twitter - https://twitter.com/PensionCraft 👨 Facebook - https://www.facebook.com/pensioncraft/ 🔗 LinkedIn - https://www.linkedin.com/company/pensioncraft Take A Look At Some Of My Other Videos 📹 Investment For Beginners playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TcG9QNlRJ_QjI8iX_q_I8jo 📹 Investing For Retirement playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TcWFuRd51gkPyAGleZRvGcN 📹Investing With Vanguard playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TfMV4S_51E_zmbMio4UNBtM 📹 Portfolio Building Blocks playlist https://www.youtube.com/playlist?list=PLlqeAQqQK7TdRdp-hLnL5oxsaRjJZVSyn DISCLAIMER All information is given for educational purposes and is not financial advice. Ramin does not provide recommendations and is not responsible for investment actions taken by viewers. Figures that are quoted refer to the past and past performance is not a reliable indicator of future results. If you need financial advice, Unbiased, the UK’s leading online directory of financial advisers, can connect you to an Independent financial advisor for free. Additionally if you use our link to register with Unbiased, your first consultation with a financial adviser is free. https://imp.i337888.net/c/4012142/1936845/11746 (This link provides you with a special offer and we will also earn a small commission)