Invest with Wilvo

Pensions, Fees & Beating the 4% Rule

In this episode of Invest with Wilvo, host Wilvo takes a deep dive into pension planning—breaking down how much you really need to retire comfortably, why investment returns matter, and how high platform fees can cost you tens of thousands over time. He compares top UK SIPPs (Self-Invested Personal Pensions), explores the 4% drawdown rule, and shares his personal investment strategy aiming for 13% annual returns. Wilvo also highlights the role of Seeking Alpha and Alpha Picks in helping him achieve over 30% growth in 2024, and wraps up with a review of high-performing stocks to watch. Key Takeaways Know Your Pension Fees: Fees can significantly impact long-term growth. Over 30 years, the difference between a 0.25% fee and a 1% fee could be as much as £70,000. Choose Your SIPP Provider Wisely: Wilvo compares AJ Bell, Interactive Investor, and others, revealing hidden costs like FX fees and trading charges that can eat into your returns. Understand the 4% Rule: The common guideline suggests drawing 4% annually to make your pension last 30+ years—but Wilvo argues this is conservative and assumes only a 5% return. Target Higher Returns: Wilvo shares his approach to achieving 13%+ annual returns, including using stock screeners, Seeking Alpha Premium, and Alpha Picks for identifying undervalued, high-momentum stocks. Retirement Isn’t One-Size-Fits-All: Not everyone needs £800,000 to retire, but aiming for £300,000–£800,000 gives flexibility for lifestyle spending, travel, and peace of mind. Key Moments “Fees can kill your pension. Paying 1% over 30 years is huge—so know what you're paying and why.” “The 4% rule assumes you only get 5% growth in retirement. I’m aiming for a lot more than that.” “AJ Bell’s FX fees are 0.75% compared to Interactive Investor’s 1.5%. That adds up when buying global stocks.” “I achieved over 30% return in 2024 using Alpha Picks and Seeking Alpha Premium—worth every penny.” “AST SpaceMobile and PSIX have delivered massive returns recently, but volatility is part of the game.” Connect with Wilvo To access the investing tools discussed in the podcast visit this link: https://linktr.ee/wilvofinance [https://linktr.ee/wilvofinance]. TikTok: https://www.tiktok.com/@wilvowood?_t=ZN-8v8SIl2OqcI&_r=1 [https://www.tiktok.com/@wilvowood?_t=ZN-8v8SIl2OqcI&_r=1] Disclaimer The content provided in Invest with Wilvo is for informational purposes only and should not be construed as financial advice. Wilvo shares his personal experiences and strategies, but individual investment decisions should be based on your own research and financial situation. Always consult with a qualified financial advisor before making any investment decisions. Investing involves risk, and past performance is not indicative of future results. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Tax Year End Investing

In this episode of Invest with Wilvo, host Wilvo discusses the importance of taking advantage of the tax year-end opportunities, specifically focusing on ISAs (Individual Savings Accounts) and SIPPs (Self-Invested Personal Pensions). With the tax year ending on April 5th, he explains how to maximise contributions, highlighting the benefits of tax-free growth and the flexibility of both ISAs and SIPPs. Wilvo also shares his personal experience with platforms like Trading212 and Interactive Investor, and discusses how these tools can make investing easier for beginners. Key Takeaways Maximising Tax Year-End Opportunities: The end of the tax year offers a chance to contribute to ISAs and SIPPs, taking advantage of tax-free growth and tax relief on contributions. ISA vs SIPP: Learn the key differences between ISAs and SIPPs, and when to use each depending on your financial goals. ISAs offer tax-free withdrawals and flexibility, while SIPPs provide tax relief on contributions but restrict access until retirement age. Recommended Investment Platforms: Wilvo shares his preferred platforms—Trading212 for its simplicity and Interactive Investor for SIPPs—along with how to get fee-free years and sign-up bonuses. Using Research Tools: Wilvo talks about Seeking Alpha Premium and TrendSpider as valuable tools for market analysis and stock picking, particularly in volatile times. Key Moments "You can potentially invest £40,000 into your ISA over the next seven days by using both this year’s and next year’s allowance." "SIPPs are great for long-term retirement planning, offering tax relief on contributions, but access is restricted until you’re 55." "Using tools like Seeking Alpha Premium can really help you find the stocks you wouldn’t typically come across." "In the current market, I’m choosing to focus on China and European stocks, as they’ve been outperforming US stocks year-to-date." Connect with Wilvo To access the investing tools discussed in the podcast visit this link: https://linktr.ee/wilvofinance [https://linktr.ee/wilvofinance]. TikTok: https://www.tiktok.com/@wilvowood?_t=ZN-8v8SIl2OqcI&_r=1 [https://www.tiktok.com/@wilvowood?_t=ZN-8v8SIl2OqcI&_r=1] Disclaimer The content provided in Invest with Wilvo is for informational purposes only and should not be construed as financial advice. Wilvo shares his personal experiences and strategies, but individual investment decisions should be based on your own research and financial situation. Always consult with a qualified financial advisor before making any investment decisions. Investing involves risk, and past performance is not indicative of future results. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.

Starting Your Investment Journey

In this debut episode of Invest with Wilvo, host Wilvo shares his personal investment journey as a 52-year-old who started investing just 12 months ago. Despite having no financial background, he has achieved an impressive 30% return—far exceeding the average retail investor’s performance. He aims to demystify investing, share useful tools and strategies, and encourage beginners to take control of their financial future with confidence. Key Takeaways It’s Never Too Late to Start – Wilvo didn’t grow up learning about money, but after discovering investing through TikTok, he took control of his finances and began building wealth. Avoiding Common Investment Mistakes – Many retail investors underperform even in strong markets. Wilvo stresses the importance of strategy over blindly following stock tips. Investment Tools & Research – He uses Seeking Alpha Premium, Finviz, Trendspider, Yahoo Finance, and ChatGPT to analyse stocks and find undervalued opportunities. The Power of a Clear Strategy – Wilvo follows a disciplined approach: buying undervalued stocks with momentum, holding for at least 12 months, and setting clear exit points. Understanding Key Investment Concepts – He explains essential jargon such as ISAs, SIPs, ETFs, P/E ratios, and dollar-cost averaging, making investing more accessible for beginners. Key Moments "Investing isn’t gambling—if you do your research, you can build wealth strategically." "I had no background in finance, but tech made investing more accessible than ever." "The key is to filter out the noise and focus on long-term success, not hype." "Never invest in something just because someone on the internet told you to—do the work." Connect with Wilvo To access the investing tools discussed in the podcast visit this link: https://linktr.ee/wilvofinance [https://linktr.ee/wilvofinance]. TikTok: https://www.tiktok.com/@wilvowood?_t=ZN-8v8SIl2OqcI&_r=1 [https://www.tiktok.com/@wilvowood?_t=ZN-8v8SIl2OqcI&_r=1] Disclaimer The content provided in Invest with Wilvo is for informational purposes only and should not be construed as financial advice. Wilvo shares his personal experiences and strategies, but individual investment decisions should be based on your own research and financial situation. Always consult with a qualified financial advisor before making any investment decisions. Investing involves risk, and past performance is not indicative of future results. ---------------------------------------- Hosted on Acast. See acast.com/privacy [https://acast.com/privacy] for more information.