James Shack

The Budget | Financial Adviser explains what it means for your money

Sun, 08 Nov 2026 16:30:00 -0000

Pensions Pensions Pensions.

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/57

Capital 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 Shackell
Copyright © 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 Stealth Tax
1:07 The Changes
3:29 The Tactics

This A.I. Just Changed Investing Forever

Sun, 08 Nov 2026 08:30:00 -0000

ChatGPT has opened millions of people's eyes to what AI will do for us in the future. In this video, we challenge ChatGPT to help us manage our finances and discuss what this means for the future of investing.

Try ChatGPT here: https://openai.com/blog/chatgpt/

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/53

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. Any examples used in the video are for illustrative purposes only. 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 Shackell
Copyright © 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.

The UK's Dangerous Addiction to Premium Bonds

Sun, 08 Nov 2026 00:30:00 -0000

Premium Bonds - The Nations Favourite Gimmick that will set you back £1,000s.

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/58

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).

James Shack™ property of James Shackell
Copyright © 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 Premium Bonds
1:03 How They Hook You
5:03 The Maths
8:21 What You’re Missing Out On

The No.1 Strategy For Retirement Income...

Sat, 07 Nov 2026 16:30:00 -0000

Urgent Warning | 8 weeks left to boost your State Pension (Everyone aged 45-70)

Sat, 07 Nov 2026 08:30:00 -0000

Until 31st July 2023, there is a window of opportunity where you can boost your state pension by topping up your NI contributions all the way back to 2006. If you miss this, you may never be able to get a full state pension.

Although this may not affect you personally, it’s likely that you will know of people it will affect, so please ask them to check their state pension forecast.

Check your *State Pension Forecast* : https://www.gov.uk/check-state-pension

Check your *National Increase Record* : https://www.gov.uk/check-national-insurance-record

*Money Saving Experts guide* : https://www.moneysavingexpert.com/savings/voluntary-national-insurance-contributions/

*Future Pension Centre Number* : 0800 731 0175

*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/59

Capital 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 Shackell
Copyright © 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.

How Much do You Need to Retire in 2024? (Less than you think)

Sat, 07 Nov 2026 00:30:00 -0000

Don't Bet on a Stock Market Crash (Do this instead)

Fri, 06 Nov 2026 16:30:00 -0000

When the headlines make the future seem so grim, it’s easy to think we must be in for another stock market crash.

It seems natural to want to protect yourself from it, and that sounds like an intelligent thing to do, but it’s not - let me show you why.

Of Dollars and Data - https://ofdollarsanddata.com/

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/60

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. 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 Shackell
Copyright © 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.

3 Devastating Pension Mistakes Retirees Make

Fri, 06 Nov 2026 08:30:00 -0000

Revealing my 5yr Investment Returns (benchmarks) - How do yours compare?

Fri, 06 Nov 2026 00:30:00 -0000

Working out whether your pension fund has performed well or not can be challenging. In this video, I show you the benchmarks I like to use to track performance so you can compare them with your own.

Always keep in mind that past performance - although interesting to look at - does not tell us much about how investments may perform in the future.

Benchmark Performance Figures and Guide
https://bit.ly/3pkgpVP

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/61

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).

James Shack™ property of James Shackell
Copyright © 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.

Use Your Pension to Pay Off Your Mortgage

Thu, 05 Nov 2026 16:30:00 -0000

Using your pension as a vehicle to pay off your mortgage can be a highly effective strategy.

The star of this video is the pension, not the interest-only mortgage. We could have compared overpaying a repayment mortgage vs investing in a pension, and we would have ended up with a similar result.

👉🏻 *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/49

Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. 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 Intro
1:30 Context
2:20 Pension Reminder
3:51 Example
7:26 Stress Test
8:57 The Upside
11:06 Key Considerations

James Shack™ property of James Shackell
Copyright © 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.

6 Reasons to Retire as Soon as You Can

Thu, 05 Nov 2026 08:30:00 -0000

Time to Stop Investing And Pay Off Your Mortgage?

Thu, 05 Nov 2026 00:30:00 -0000

Aswath Damodaran
YouTube - https://www.youtube.com/c/AswathDamodaranonValuation
Website - 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/48

Capital 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 Mortgage
2:44 Video Aims
2:58 Understanding Risk
5:04 A Thought Experiment
6:48 Expected Returns of Corporate Bonds
8:44 Inflation Expectations
10:23 Expected Returns of Stocks
12:59 How Demand for Risk Affects Expected Returns
14:37 Evidence of Higher Expect Returns
15:16 How to Calculate Expect Returns on Stocks
18:44 How To Use This Data to Decide on Mortgages

James Shack™ property of James Shackell
Copyright © 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 UK Buy-to-Let Property Crisis Explained

Wed, 04 Nov 2026 16:30:00 -0000

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/63

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. 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 Shackell
Copyright © 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.

Why the 5 Years Before Retirement Are So Important (You’re closer than you think!)

Wed, 04 Nov 2026 08:30:00 -0000

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/64

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).

James Shack™ property of James Shackell
Copyright © 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.

Labour's Alleged Tax Raid on Pension, ISAs, CGT and IHT

Wed, 04 Nov 2026 00:30:00 -0000

Sign up to my Newsletter to receive my breakdown of the budget on the day
https://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/89

Bed and breakfasting rules explained
https://www.investopedia.com/terms/b/bed-and-breakfast-deal.asp

Risk Warnings
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 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 Shackell
Copyright © 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 Intro
00:56 The Key Questions
02:29 How Have We Got Here
03:07 ISAs
03:51 Capital Gains Tax
09:20 Pensions
14:18 Inheritance Tax
16:05 Conclusion

How to Invest for Your Children and Grandchildren (without them becoming brats!)

Tue, 03 Nov 2026 16:30:00 -0000

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/65

It’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 team
01:19 - Why I WON’T invest for my Son
05:12 - Grandparents and Other family
08:29 - JISA
09:19 - A Better Solution
12:02 - Junior SIPP
12:15 - Family Investment Company and Discretionary Trust

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).

James Shack™ property of James Shackell
Copyright © 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.

Where Should You Pull Funds from First in Retirement?

Tue, 03 Nov 2026 08:30:00 -0000

✉️ Sign up to my Newsletter to receive my breakdown of the budget
https://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/88

Risk Warnings

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 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 Shackell
Copyright © 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 Changed
02:07 Step 1: List and Project Future Income
03:29 Step 2: Desired Expenditure
04:20 Step 3: Liquid Assets
04:50 Step 4: Assess Sustainability
05:33 Step 5: Cash Flow Management
06:30 Step 6: Tax Efficient Drawdown
11:40 Decision Framework
12:42 Rachel Reeves October 30th?!
14:34 Step 7: How to Invest

The end of tax free savings as we know it

Tue, 03 Nov 2026 00:30:00 -0000

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-f7c480f7a1eb

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/66

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).

James Shack™ property of James Shackell
Copyright © 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.

The BIG Financial Risk That Everyone is Underestimating [Must Watch]

Mon, 02 Nov 2026 16:30:00 -0000

Data Breach Check
https://haveibeenpwned.com/

James Shack(ell) FCA Register
https://register.fca.org.uk/s/individual?id=003b000001JgtXkAAJ

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/87

Risk 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 Shackell
Copyright © 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 Intro
01:21 Fred and Jemma
06:42 How it Happened
08:57 AI Voice Scam
14:06 Deep Fake Scam
15:47 Why Now - YouTube Scams
18:31 How To Protect Yourself Online

The 3 Big Pension Mistakes EVERY Retiree Makes (Real world examples)

Mon, 02 Nov 2026 08:30:00 -0000

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/67

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).

00:00 Intro
01:06 Tax-Free Cash
07:05 Defined Benefit Pension
09:59 Asset Splits

James Shack™ property of James Shackell
Copyright © 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.

I'm 58 with £600,000 - How much can I spend in retirement? (Case study)

Mon, 02 Nov 2026 00:30:00 -0000

👉🏻 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/86

Signs of Bowel Cancer (make yourself aware!)
https://www.bowelcanceruk.org.uk/about-bowel-cancer/symptoms/

Signs of Prostate Cancer
https://prostatecanceruk.org/prostate-information-and-support/risk-and-symptoms/prostate-cancer-signs-and-symptoms

RISK WARNINGS AND DISCLAIMERS

Risk Warnings

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 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 Shackell
Copyright © 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 Intro
01:31 Their financial situation
02:47 The initial plan (looking good)
04:26 Dan’s diagnosis
06:43 A message from Dan
07:52 Back to their plan
08:30 Assessing their options
14:25 The compromise

Why Holding Cash Now is a Terrible Idea (if you ever want to retire)

Sun, 01 Nov 2026 16:30:00 -0000

Research in this video:

Long-Horizon Losses in Stocks, Bonds, and Bills
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3964908

Credit Suisse Global Investment Returns Yearbook 2023 Summary Edition
https://www.credit-suisse.com/media/assets/corporate/docs/about-us/research/publications/credit-suisse-global-investment-returns-yearbook-2023-summary-edition.pdf

Aswath Damodaran US Asset Returns
https://pages.stern.nyu.edu/~adamodar/New_Home_Page/datafile/histretSP.html

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/68

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).

00:00 Intro
00:51 You’ve lost sight of your goals
09:08 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 Shackell
Copyright © 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.

Here's How The Rich Invest Their Money

Sun, 01 Nov 2026 08:30:00 -0000

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/85

References

I would highly recommend watching the Rational Reminder Podcast episode on Alternatives.
https://youtu.be/wDi7rkNcb1A?si=JRaCxRiPHbP-_aKj

The Performance of Hedge Fund Performance Fees
https://papers.ssrn.com/sol3/papers.cfm?abstract_id=3630723

Has Persistence Persisted in Private Equity? Evidence from Buyout and Venture Capital Funds
https://bfi.uchicago.edu/wp-content/uploads/2020/11/BFI_WP_2020167.pdf

How to Use Alternatives in Your Portfolio
https://www.morningstar.com/alternative-investments/how-use-alternatives-your-portfolio

RISK WARNINGS AND DISCLAIMERS

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. 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 Shackell
Copyright © 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 Diversification
04:49 Commercial Property
06:17 Property Funds
07:07 Commodities
07:36 Private Equity
10:57 Private Equity Funds
14:00 Hedge Funds
15:32 Conclusion

How much do you need to retire? The 4 keys to sustainable income

Sun, 01 Nov 2026 00:30:00 -0000

👉🏻 *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/26

Risk Warnings and Disclaimers

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).

This is the third video in this retirement planning series, the first two are:

If you ever plan on retiring you need to watch this
https://youtu.be/By7czOU5Aig

All good retirement plans start here - Step 1
https://youtu.be/9NGajZhp-C0

The 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 Guardrails
https://cornerstonewealthadvisors.com/wp-content/uploads/2014/09/08-06_WebsiteArticle.pdf

James Shack™ property of James Shackell
Copyright © 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 Intro
2:37 Ben and Alice (Planning example)
3:35 Intro to Timeline
6:01 Risk
7:15 Realistic Cashflows
8:21 Variable Withdrawal Rates
13:08 Part Time Work

Risk Warnings and Disclaimers

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).

How to Pay £0 Tax on a £57,000 Retirement Income

Sat, 31 Oct 2026 16:30:00 -0000

👉🏻 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/84

Video Editor Application - Applications are now closed

How to Maximise your State Pension
https://youtu.be/fG_D-JFdwBM?si=1-ltD_hX3gXPyuZW

RISK WARNINGS AND DISCLAIMERS

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. 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 Shackell
Copyright © 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 Intro
01:06 Their starting situation
02:37 Where we invested their money
05:25 How we created their income

How to Maximise Your Income in Retirement (3 simple steps)

Sat, 31 Oct 2026 08:30:00 -0000

👉🏻 *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/27

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).

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/LCYINIELH2w

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 (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 Shackell
Copyright © 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 Recap
2:25 Risk and Return
6:15 Investment time horizons

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).

3 Investing Lies That Are Costing You Money

Sat, 31 Oct 2026 00:30:00 -0000

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/83

References
Mind the Gap Report: https://www.morningstar.com/lp/mind-the-gap
Lululemon 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-more

RISK WARNINGS AND DISCLAIMERS

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. 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 Shackell
Copyright © 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 Intro
00:35 Lie 1 - You're being lied to
08:35 Lie 2 - You’re lying to yourself
13:02 Lie 3 - “Great companies make great investments”

The 3 Big Mortgage Mistakes EVERYONE Makes (Real world examples)

Fri, 30 Oct 2026 16:30:00 -0000

👉🏻 *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/28

In 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 Shackell
Copyright © 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 Intro
1:07 Mental Accounting
5:32 Investing Vs Overpaying Mortgage
9:25 High-Interest Rates

How much do I need to retire with £20k/£30k/£40k/£50k per year? (100-year backtest results)

Fri, 30 Oct 2026 08:30:00 -0000

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/82

How Much Do I Need To Save Tool
https://james-shack.co.uk/savings-calculator

Software 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 Exposure
Global Bonds - Morningstar Global Core Bond

RISK WARNINGS AND DISCLAIMERS

Capital 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 Shackell
Copyright © 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 Intro
01:15 How much do I need to retire?
13:02 How much do I need to save?

How to Save Your Retirement Plan in 2023

Fri, 30 Oct 2026 00:30:00 -0000

The 3 Big Tax Mistakes EVERY Retiree Makes (Real world examples)

Thu, 29 Oct 2026 16:30:00 -0000

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/81

RISK WARNINGS AND DISCLAIMERS

Capital 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 Shackell
Copyright © 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 Intro
01:08 Pre-Retirement Mistakes
07:11 Drawdown Mistakes

How Much Can I Spend in Retirement with a £500,000 Portfolio?

Thu, 29 Oct 2026 08:30:00 -0000

Watch Next: https://youtu.be/nvpkkBZjrH0?si=98PsNJYxjULcod8B

Download Budget Planner Template
https://james-shack.co.uk/budget-planner

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/80

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).

James Shack™ property of James Shackell
Copyright © 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 friend
00:49 Jess and Jack’s financial situation
01:29 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?

The Optimal Order For Investing Your Money

Thu, 29 Oct 2026 00:30:00 -0000

Watch Next: https://youtu.be/P9y63shSPfY?si=fuzvNa0iCc08_e6-

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/79

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).

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 in
https://youtu.be/uCydOfGCDDQ?si=8hTecwxHiI1R-J4R
https://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 benefits
https://youtu.be/pE2V83OybUo?si=FQU_BnsRUk5Yfe3h

Investing vs re-paying mortgage
https://youtu.be/9MfCVkRvjQs?si=uflvQlhC5SMoZ0JU
https://youtu.be/MWadHLKMgB4?si=r56LI_H5GA7-zLIj

Investing for your kids
https://youtu.be/FYzfGeeOJfs?si=CgU6YDeEVVra0gKq

James Shack™ property of James Shackell
Copyright © 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 Intro
01:29 Emergency Fund
03:02 Insurance
04:33 Pension Contribution Match
05:09 Paying Off High-Interest Debt
05:42 Pension and ISA
08:14 Overpay Mortgage
08:50 General Investment Account
09:48 Junior ISA and Junior SIPP
10:02 Residential and Commercial Property
10:39 Venture Capital Trust, EIS and SEIS
13:24 Final Tier

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).

The 3 Big Pension Mistakes Retirees Make (Real world examples)

Wed, 28 Oct 2026 16:30:00 -0000

Why Earning More Money Will Never Make You Happy

Wed, 28 Oct 2026 08:30:00 -0000

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/3

Can 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 2010
https://www.pnas.org/content/107/38/16489

*"Lottery winners and accident victims: is happiness relative?"*
P Brickman, D Coates, R Janoff-Bulman 1978
https://pubmed.ncbi.nlm.nih.gov/690806/

*Maslow's Hierarchy of Needs*
https://www.simplypsychology.org/maslow.html

The 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 $75,000
UK £40,000
London £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.html

The 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 Shackell
Copyright © 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.

DON'T RETIRE YET - Wait!

Wed, 28 Oct 2026 00:30:00 -0000

👉🏻 *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/30

If 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 Shackell
Copyright © 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 Intro
00:36 A Big Mistake
02:17 The Explanation
05:37 Timeline

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).

How To Retire Early On The Average Wage (Simple Steps)

Tue, 27 Oct 2026 16:30:00 -0000

Historical Portfolio Returns Data
https://riskprofiling.com/WWW_RISKP/media/RiskProfiling/Downloads/Risk_and_Return_UKv3.pdf

Modelling Software
https://www.timeline.co/

Watch Next: How to Sort out Your Pension and Retire Early
https://youtu.be/psH0JTS6PsI?si=Ap9aam8szwFjx-d1

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/78

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).

James Shack™ property of James Shackell
Copyright © 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 Intro
01:29 Average Wage Example
08:07 Average Wage Retirement Lifestyle
10:35 Lower Wage Examples
11:49 Effects of Saving More

I only started investing in my 40s/50s

Tue, 27 Oct 2026 08:30:00 -0000

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/31

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).

James Shack™ property of James Shackell
Copyright © 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 Intro
1:02 Alice and Ben
2:37 Not Normal
3:18 People in their 40s/50s
6:44 Investment horizons
8:08 Not Alone

How To Save £1,000s in Tax Before 5th April (Spring Budget Changes)

Tue, 27 Oct 2026 00:30:00 -0000

HMRC Adjusted Net Income Guide - https://www.gov.uk/guidance/adjusted-net-income

My Guide - https://james-shack.co.uk/adjustednetincomeguide

Financial Planning
I 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/77

Watch Next: Use Your Pension To Pay off Your Mortgage https://youtu.be/P9y63shSPfY?si=9ltSEEttbR8LgvPe

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).

James Shack™ property of James Shackell
Copyright © 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 Intro
02:04 Biggest Missed Opportunities
02:53 Pension Recap
04:27 No Income or Retired
06:51 £50k - £90k
09:59 Important Message For Everyone
10:31 £50k - £90k cont
12:02 £90k +
15:13 Where Everyone Gets It Wrong
16:12 Pension Vs ISA
17:23 Helping Family Members

The 3 Big Investing Mistakes Beginners Make (Stock market)

Mon, 26 Oct 2026 16:30:00 -0000

4 Uncomfortable Retirement Truths You Need To Hear

Mon, 26 Oct 2026 08:30:00 -0000

4 Uncomfortable Truths About Retirement.

Focus on what you can control - https://youtu.be/h7WIV4WspL0?si=2oE5DB3FSp0qds_Q
Annuities - https://youtu.be/M-03sb8DvFo?si=PkYK2knEB08rydCv

Watch 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/76

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).

James Shack™ property of James Shackell
Copyright © 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 Intro
00:33 Uncomfortable Truth #1
05:08 Uncomfortable Truth #2
07:45 Uncomfortable Truth #3
09:48 Uncomfortable Truth #4

Stock Market Crash in Retirement - How to protect your future

Mon, 26 Oct 2026 00:30:00 -0000

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/33

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. 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 Shackell
Copyright © 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 Intro
0:48 Sequencing Risk
4:46 Step 1
5:31 Step 2
7:19 Step 3

I Sold My Business For £2m - How Much Can I Spend In Retirement?

Sun, 25 Oct 2026 16:30:00 -0000

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/75

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).

James Shack™ property of James Shackell
Copyright © 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 Daisy
05:32 The Utility of Money
08:00 Mike and Helen
14:32 Harry and Daisy - What we changed

How to boost your stock market returns by 1.3% PER YEAR!

Sun, 25 Oct 2026 08:30:00 -0000

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/34

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. 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 Shackell
Copyright © 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.

Should You Pay Off Your Mortgage or Invest? (A 50-year historical backtest)

Sun, 25 Oct 2026 00:30:00 -0000

A look into the past to assess how often investing has beaten paying off your mortgage.

Graphs from the video
https://go.novawm.com/MortgageGraphs

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/74

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. 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 Shackell
Copyright © 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 Averages
02:24 Tom and His Question
04:07 Historical Market Data
05:24 How the Test Works
07:13 ISA Results
09:24 Different Mortgage Sizes
09:47 Pension Results
12:28 Pension +1
13:34 Different Time Periods
14:27 60% Stocks 40% Bonds
16:31 Key Considerations
19:26 Why this was not for Tom

Rishi's silent tax on pensions (Lifetime allowance)

Sat, 24 Oct 2026 16:30:00 -0000

Starting to plan for retirement? The 3 Tasks I Would Do Today (including 3 free tools)

Sat, 24 Oct 2026 08:30:00 -0000

The three retirement planning tasks I would start with and keep doing every year.

Download the tools here: https://james-shack.co.uk/retirement-tools

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/73

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).

James Shack™ property of James Shackell
Copyright © 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 Intro
00:57 Task 1
07:01 Task 2 - How much I should be saving
07:54 Task 3 - Performance benchmark

How much do I need to retire with £20k/£40k/£60k per year?

Sat, 24 Oct 2026 00:30:00 -0000

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/36

Risk Warnings

Capital 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 Problem
2:10 The 4% Rule
2:59 My Study - £20k per year
4:46 Why the 4% rules fails
7:53 How much do we actually need?
11:33 GIA VS Pension
12:04 Testing other variables

James Shack™ property of James Shackell
Copyright © 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.

Don't Invest in the SandP 500. Especially if you're retired. (108-year backtest results)

Fri, 23 Oct 2026 16:30:00 -0000

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 Market
US Aggregate Bonds - Morningstar US Core Bond

Global Equities - Morningstar Global All Cap Target Market Exposure
Global Aggregate Bonds - Morningstar Global Core Bond

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/72

How we invest for our clients: https://youtu.be/jjWmaRKmnEA?si=H9Q8K-2N8bdLNSDl

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).

James Shack™ property of James Shackell
Copyright © 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 Intro
00:57 The Test
04:14 US
07:46 Global
13:26 Third Strategy

Anxious about the 2022 Stock Market Crash? Watch this.

Fri, 23 Oct 2026 08:30:00 -0000

I'm 55 with £1m - Can I afford to retire? (Real case study)

Fri, 23 Oct 2026 00:30:00 -0000

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/71

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. 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 Shackell
Copyright © 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.

Holding Cash During a Stock Market Crash - Genius idea or fatal mistake?

Thu, 22 Oct 2026 16:30:00 -0000

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/38

Capital 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 Intro
0:47 I have no idea
2:03 Monkey Brain
4:48 Conditioning experiment

James Shack™ property of James Shackell
Copyright © 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.

How a GOOD Financial Adviser can help you Retire Earlier (it's not what you think)

Thu, 22 Oct 2026 08:30:00 -0000

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/70

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).

References
https://docs.google.com/document/d/1qyzv5E9Mw4sfLbNfg5uMq6vlDu4Ut-z857m58d2iKs4/edit?usp=sharing

00:00 Intro
01:34 The Costs
02:00 The Power of Good Financial Planning
03:46 What you think it is Vs What it actually is
10:17 What is the cost of not doing this properly?
10:45 What is the definition of success
11:37 Quantifying the value of advice
12:39 Quantitative value examples
17:19 Types of people most likely to benefit
22:33 Risk Vs Reward

James Shack™ property of James Shackell
Copyright © 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.

How to retire with £20k/£40k/£60k per year

Thu, 22 Oct 2026 00:30:00 -0000

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/3aRLRDl

Google limits access to 100 people at a time so if you can’t get in please try these additional links:
https://bit.ly/3ObKzkG
https://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/39

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 (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 Intro
0:42 Why
4:02 The Backtest
5:06 The Results
5:42 The Calculator
6:54 Historic Growth Rates
7:48 The Calculator cont.
9:54 My Results

James Shack™ property of James Shackell
Copyright © 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 2023 Pension Crash Explained (Why and what you need to do)

Wed, 21 Oct 2026 16:30:00 -0000

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/69

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).

Videos to watch:

How to Sort Out Your Pensions TODAY and Retire Early
https://youtu.be/psH0JTS6PsI?si=P0bJzYLJ8c7wfkCR

Picking Funds | The 3 Big Mistakes Everyone Makes
https://youtu.be/16bauiT1F20?si=SAMIr5iO6CB-zM4V

00:00 Intro
1:43 Who is responsible?
4:49 Default Funds
6:32 Fund Examples
9:57 Bond Expected 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 Shackell
Copyright © 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.

A Recession is Coming | Two reasons why I'm still buying stocks

Wed, 21 Oct 2026 08:30:00 -0000

There are two things that you need to understand about the stock market.
1) A ≠ B

The 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-looking

The 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 coming
1:22 Reason 1
5:54 Reason 2
9:06 In the context of today's environment
11:40 Take aways

James Shack™ property of James Shackell
Copyright © 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.

Labour's Alleged Tax Grab on ISAs, Pensions, Property and IHT

Wed, 21 Oct 2026 00:30:00 -0000

👉🏼 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/8WAh4KczcKk

Risk Warnings and Disclaimers

Capital 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 Limited
Copyright © 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 Intro
02:41 ISAs
05:39 Capital Gains Tax and Property
09:50 Pensions
17:22 Inheritance Tax

Elon Musk explains how stock markets predict the future

Tue, 20 Oct 2026 16:30:00 -0000

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/41

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. 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 future
1:05 Musk vs Twitter
4:46 Activision
6:06 Efficient Markets Theory
7:55 Critics of EMH - Behavioural Finance
9:03 Tests of Market Efficiency
11:00 WHAT DOES THIS MEAN (for me?)

James Shack™ property of James Shackell
Copyright © 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.

How NOT to Create Income in Retirement (Everyone needs to learn this)

Tue, 20 Oct 2026 08:30:00 -0000

👉🏼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/yy8oHj8s3b4

Introduction to Factor Investing - Rational Reminder
https://youtu.be/ViTnIebSzj4

Is Factor Investing Worth It - Rational Reminder
https://youtu.be/ukgE8oX-4lE?si=I2fWKqRbw6-Iwlcj&t=2341

Traditional Passive vs Factor Investing Debate - Whitecoat Investor
https://www.youtube.com/watch?v=NHlUsZmgSqg

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. 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 Limited
Copyright © 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 Situation
02:16 The Two Strategies
03:51 Do Dividends Enhance Returns?
07:13 Do Dividends Provide Downside Protection?
08:38 Dividend Cashflow Benefits?
11:19 A Better Way to Assess Sustainability
14:27 Explaining Dividend Stock Outperformance

3 Mortgage Mistakes That Will Keep You Paying Higher Rates

Tue, 20 Oct 2026 00:30:00 -0000

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/42

Capital 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 Intro
1:16 Mistake 1
5:22 Mistake 2
8:16 Mistake 3

James Shack™ property of James Shackell
Copyright © 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.

Could You Access Your Pension Early?

Mon, 19 Oct 2026 16:30:00 -0000

👉🏼 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-nmpa
The 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 Disclaimers
Capital 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 Limited
Copyright © 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 happening
03:30 Why will some pensions get a PPA but others won’t
04:05 Who will benefit the most from a PPA
06:36 Key details about a PPA (be careful!)
08:07 Making compromises
10:29 How to find out if you have a PPA

The Inflation Cure You Don't Want to Hear

Mon, 19 Oct 2026 08:30:00 -0000

How inflation works - How to protect yourself - How to Invest

👉🏻 *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/43

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. 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 Intro
0:35 How Inflation Works
4:48 The Cure
8:22 How to Protect Yourself
8:55 Cash
9:23 Mortgages
10:31 Investments

James Shack™ property of James Shackell
Copyright © 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'm 59 with £750,000 - How Much Can I Spend In Retirement?

Mon, 19 Oct 2026 00:30:00 -0000

👉🏼 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/rJRqsusABxw

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).

James Shack™ property of James Shackell
Copyright © 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 Make the Most of Life's Resources
02:10 Mike and Helen's Balance Sheet
05:13 Spending
07:01 Big Picture Goals
09:54 360 Questions
12:33 Final Requirements
14:00 Modelling Results

The Controversial Strategy for Higher Retirement Income

Sun, 18 Oct 2026 16:30:00 -0000

The Shockingly Simple Maths Behind Early Retirement

Sun, 18 Oct 2026 08:30:00 -0000

👉🏼 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/QEGvePdq81E

➡️ Mr Money Mustache Original Blog Post
https://www.mrmoneymustache.com/2012/01/13/the-shockingly-simple-math-behind-early-retirement/

➡️ Simplified Early Retirement Calculator
https://networthify.com/calculator/earlyretirement
🪧 Annual income = take-home pay + pension contributions
🪧 Investment Return estimate should be net of inflation

Risk Warnings and Disclaimers

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).

James Shack™ property of Shack Media Limited
Copyright © 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 The Most Important Factor for Early Retirement
03:30 Retirement Calculator Results
08:17 Savings Rate vs Higher Investment Returns
12:45 Challenging Safe Rates of Withdrawal

The Best Investment Advice You Will Ever Hear

Sun, 18 Oct 2026 00:30:00 -0000

5 Reasons NOT to Overpay Your Mortgage

Sat, 17 Oct 2026 16:30:00 -0000

*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/99

*Try our Overpay vs Invest Calculator*
https://go.novawm.com/overpaymentcalculator

*Risk Warnings and Disclaimers*

*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. 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 Shackell
Copyright © 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 Overpayment calculator
04:36 Reason #1
07:25 Reason #2
10:53 Reason #3
14:14 Reason #4
15:39 Reason #5

Picking Funds | The 3 Big Mistakes Everyone Makes (Pension/ISA/401K)

Sat, 17 Oct 2026 08:30:00 -0000

I am not recommending any of the funds featured in this video. They have been chosen purely for illustrative purposes and may not be appropriate for your personal situation.

👉🏻 *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/46

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).

0:00 Intro
1:53 The Funds
3:24 Fees
4:26 Performance
6:05 Thematic/Style
8:16 Active vs Passive
14:14 Geography
16:17 One Fund

James Shack™ property of James Shackell
Copyright © 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.

How to Protect Your Retirement From a Stock Market Crash

Sat, 17 Oct 2026 00:30:00 -0000

*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/DbuJ9xbsoZs

*Budget Planner Download*
https://james-shack.co.uk/budget-planner

Guyton and Klinger (2004). Decision Rules and Maximum Initial Withdrawal Rates
https://cornerstonewealthadvisors.com/wp-content/uploads/2014/09/08-06_WebsiteArticle.pdf

*Software used in this video* : https://www.timeline.co/

*Risk Warnings and Disclaimers*

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).

James Shack™ property of James Shackell
Copyright © 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.

01:07 Sequence of return risk
02:45 Example #1
05:22 Example #2
07:24 Example #3
08:09 The Three Types of Retirement Plan
13:25 How They Should React to Market Falls
14:11 Dynamic Spending Strategies

How To Survive The Mortgage Crisis

Fri, 16 Oct 2026 16:30:00 -0000

The Problem With Index Fund Investors

Fri, 16 Oct 2026 08:30:00 -0000

*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/98

*Passive Investing Guide*
https://james-shack.co.uk/passive-investing-guide

*Risk Warnings and Disclaimers*

*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).

James Shack™ property of James Shackell
Copyright © 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 The Rise of Passive Investing
02:17 Active vs Passive Beliefs
03:06 Index Funds vs Passive Investing
05:00 How Asset Managers are abusing “index funds”
08:02 How Investors are abusing Index Funds
10:27 The damage this is causing

Why Dividend Income Investing is 𝐍𝐎𝐓 a Good Idea for Passive Income

Fri, 16 Oct 2026 00:30:00 -0000

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/4

𝐂𝐡𝐚𝐫𝐭𝐞𝐫𝐞𝐝 𝐖𝐞𝐚𝐥𝐭𝐡 𝐌𝐚𝐧𝐚𝐠𝐞𝐫 shows you Why Dividend Growth Investing is 𝐍𝐎𝐓 a good idea for passive income.

Everyone on YouTube is talking about how to make passive income, and the darling ‘passive income idea’ is Dividend Income Investing... a magical strategy that pays you income into your account each month. Unfortunately, all is not as it seems and there are many reasons why very few professional investors use this strategy and the ones that are struggling or have gone out of business...

𝐖𝐡𝐚𝐭 𝐢𝐬 𝐃𝐢𝐯𝐢𝐝𝐞𝐧𝐝 𝐈𝐧𝐜𝐨𝐦𝐞 𝐈𝐧𝐯𝐞𝐬𝐭𝐢𝐧𝐠

When a company makes a profit it can do one of three things with the cash:

Invest in projects that have a strong chance of maintaining or increasing their return on equity
Fund acquisitions of other businesses
Return profits to shareholders

Returning profits to shareholders is favoured by companies that do not feel that they can invest the money in their own business and still maintain their return on equity. Apple, Coke, British American Tobacco are all companies with excess profits that they cannot find a good use for.

They then have two options for returning these profits to shareholders:

Share Buybacks
Dividends

Investopedia - Share Buy Backs Vs Dividends

Dividend Investing is a strategy that invests in companies that have a history of paying a high and hopefully growing dividend. Investors are there core reasons for using this strategy:

To generate income (which it does)
To achieve market-beating returns (which it has done)
Because they love it! (the methodical process is addictive)

In this video, I explore the major flaws in each of these, which renders this strategy unsuitable for 99% of retail investors.

Articles and further research:
DALBAR 2020 Quantitative Analysis of Investor Behavior
https://www.dalbarcanada.com/dalbar-2020-quantitative-analysis-of-investor-behavior/

S and P Research - A Fundamental Look at S and P 500 Dividend Aristocrats
https://www.fa-mag.com/userfiles/ads_2019/SPDJI_Oct_2019/research-sp500-dividend-aristocrats.pdf

Financial Times (paywall) - Value and growth investments gap at 25-year high
https://www.ft.com/content/aa752110-4f91-4318-88a0-15ce60319a67

Risk Warnings and Disclaimers.

Capital 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. 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 Shackell
Copyright © 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.

Trump's Stock Market Crash

Thu, 15 Oct 2026 16:30:00 -0000

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/97

Risk Warnings and Disclaimers

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)..

James Shack™ property of James Shackell
Copyright © 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.

When is The 𝗕𝗘𝗦𝗧 Time to Invest in The Stock Market?

Thu, 15 Oct 2026 08:30:00 -0000

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/5

Find out when is the best time to invest in the stock market, and how YOU can beat the majority of professional investors.

When is the best time to invest in stocks? Well, that’s simple, right at the bottom of the market after a big old market crash. But, as it happens, it’s quite hard to know when the bottom is and what the markets will do next.

Guess whether now is the right time to buy stocks is a very hard thing to do, but if you can do it right consistently you can make a lot of money. Which is why there’s a whole investment management industry built around trying to guess what’s good to invest in and when.

Using your knowledge and experience to guess whether the market is over/under value and whether it’s a good time to buy/sell is now as trying to TIME THE MARKET.

In this video, I show you that this is actually very hard to do. In fact, it’s so hard that you’re better off not trying to do it at all.

I didn’t fully believe this until I truly understood why it’s so hard to beat the market.

And it has everything to do with Jelly Beans, Efficient Markets (Efficient Market Hypothesis) and importantly fees...

This is complicated stuff but it’s fundamental to investment theory, so I have TRIED to reduce it down to a level that’s not only accessible and engaging but also still valid, which is hard to do! So please keep in mind that I have not been able to cover off all the IF’s and BUT’s.

In this video, I state when is theoretically the best time to invest and what to invest in, but this is not a personal recommendation to take action. Please do your own research and assess whether investing is right for you.

Risk Warnings and Disclaimers

Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. This video does not constitute personal advice. 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).

James Shack™ property of James Shackell
Copyright © 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.

You CAN Retire Early - Let me show you how

Thu, 15 Oct 2026 00:30:00 -0000

👉🏻 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/96

Risk Warnings and Disclaimers

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).

James Shack™ property of James Shackell
Copyright © 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 Why
04:54 Retire Early - But at what cost?
05:28 Ian’s Financial Situation
06:23 Lifeline Model
08:23 Backtest
09:10 Results - Maximum Sustainable Expenditure
12:06 Other Solutions

8 Rules for Investing in Your 20s and 30s | What I've learned as a Financial Adviser

Wed, 14 Oct 2026 16:30:00 -0000

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/6

8 rules that I wish followed when I first started investing. Everything I’ve learned from 10 years of investing for myself and other people.

Investing for beginners, when you’ve just started investing in the stock market, can be a daunting task, with so many decisions to make. There are many investment apps to choose from, like Moneybox, Trading 212 and Freetrade which you need to decide on before you even get started choosing what to invest in!

This is a sort of letter to my younger self, of all the things I’ve learnt since I started investing. And I haven’t had a typical journey because I’ve actually spent most of my life managing money for other people. But before all this, when I first started investing for myself, I was making all the same mistakes that you are.

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/getintouch

0:00 - Intro
0:47 - Take ownership of your own financial education
3:18 - Talk About Money
6:06 - Don’t listen to your parents
9:02 - Pensions, LISA and ISA
9:38 - Pension Contribution Matching
11:40 - Find an app that works for you
14:59 - Take risk
16:01 - Just start

Pensions
Kilick and co - https://www.youtube.com/watch?v=7fIg5O5M64Y
ISA
Hargreaves Lansdown - https://www.youtube.com/watch?v=87jS8BoelQk
LISA
Martin Lewis - https://www.youtube.com/watch?v=KtprvNEe4SM

Email template for HR:

Hi,

Please can you let me know, or put me in touch with some who does know, what pension benefits I’m entitled to.

Specifically, I would like to know:

- What benefits I am entitled to
- Am I enrolled
- How much am I contributing
- How much are you, as my employer, contributing
- Do you offer pension contribution matching
- Who is the provider of my pensions and how can I get access to check it
- Is this a salary sacrifice scheme

If I am enrolled in a salary sacrifice scheme and I decide to make additional voluntary contributions, the company will save National Insurance tax on the amount I choose to contribute. Please can this tax-saving be paid into my pension? There is no cost to the company in doing this.

Kind regards,

[Insert Your Name]

DISCLAIMER:
Capital 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. 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 Shackell
Copyright © 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.

7 Reasons To Take Your Pension Tax-Free Cash ASAP

Wed, 14 Oct 2026 08:30:00 -0000

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/95

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).

James Shack™ property of James Shackell
Copyright © 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 Decision
01:35 Pension Recap
02:50 Reasons NOT want to take tax-free cash ASAP
05:54 Reason #1
07:20 Reason #2
09:16 Reason #3
11:13 Reason #4
14:06 Reason #5
16:46 Reason #6
17:48 Reason #7

The FASTEST way to save for a House Deposit (Step-by-step Guide)

Wed, 14 Oct 2026 00:30:00 -0000

Last Chance To Boost Your State Pension (Everyone aged 40 - 73)

Tue, 13 Oct 2026 16:30:00 -0000

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/94

Step 1
Check State Pension Forecast - https://www.gov.uk/check-state-pension
Check NI Record - https://www.gov.uk/check-national-insurance-record

Step 2
Money Saving Expert Guide - https://www.moneysavingexpert.com/savings/voluntary-national-insurance-contributions/

Step 3
If you're not yet at State Pension age, contact the Future Pension Centre on 0800 731 0175.
If you're already at State Pension age, contact the Pension Service on 0800 731 0469.

Capital 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 James Shackell
Copyright © 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.

The Dangers of Inflation and How to Protect Yourself

Tue, 13 Oct 2026 08:30:00 -0000

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/8

This is the biggest mistake investors make before getting Financial Advice. Let's fix this today.

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/getintouch

Inflation can be hard to get your head around, but you need to because it's a hugely powerful force. Although inflation may seem like a small effect from year to year, it compounds over time, resulting in massive losses of purchasing power.

But it gets worse; As we get older, we start to rely on different goods and services, like health care, and the prices of these goods inflate at a much higher rate than 2%.

The solution is simple: only hold enough cash as is absolutely necessary. The rest needs to be invested.

But most people don't fully understand inflation, and even if they do, they don't know where they can invest with confidence.

Resources to check out:

Bank of England Price Changes
https://www.bankofengland.co.uk/knowledgebank/how-have-prices-changed-over-time

US Money Supply
https://tradingeconomics.com/united-states/money-supply-m2

Risk Warnings and Disclaimers

Capital 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. 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. 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).

James Shack™ property of James Shackell
Copyright © 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.identified as the author of this channel and any video published on it.

00:00 Intro
01:14 What is Inflation
04:50 Infinite Money (Money Printing)
11:00 Why inflation is good
13:45 How inflation affects you and how to protect yourself

I helped 450 people retire and learned this

Tue, 13 Oct 2026 00:30:00 -0000

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/93

📝 Lasting Power of Attorney Govt Service (£82) - https://www.gov.uk/power-of-attorney/make-lasting-power

📝 LPA process explained - https://www.gov.uk/power-of-attorney

📝 Octopus Legacy Online Wills (£90) - https://octopuslegacy.com/online-will

If you are trying to help an elderly relative setup a will or powers of attorney I suggest you speak with a solicitor. These can be very sensitive subjects, and a third part professional can help guide the conversation and make sure everything is correct and valid.

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).

James Shack™ property of James Shackell
Copyright © 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 Intro
00:29 Lesson 1 - Money is not a good predictor of success
01:22 Lesson 2 - Better predictors of success
02:16 Lesson 3 - Don’t let the tax tail wag the dog
03:32 Lesson 4 - Spending money is easy
04:37 Lesson 5 - Embrace the concept of Dying With Zero
05:29 Lesson 6 - “The nastiest, hardest problem in finance”
06:32 Lesson 7 - Expectations are everything
07:17 Lesson 8 - Changes to tax legislation
08:30 Lesson 9 - An identity crisis
09:04 Lesson 10 - Test run your retirement
10:00 Lesson 11 - Don’t underestimate the power of a routine
10:23 Lesson 12 - Build long-term care costs into your plan
11:09 Lesson 13 - Don’t underestimate how brutal the next crash will be
12:15 Lesson 14 - Have a predetermined plan for the next crash
13:24 Lesson 15 - Retirement is not a final act
14:26 Lesson 16 - Prepare for cognitive decline
15:04 Lesson 17 - Have a Financial Continuity Plan
16:38 Lesson 18 - Move to your forever home early
17:07 Lesson 19 - Lasting Powers of Attorney
18:10 Lesson 20 - The no.1 reason for family feuds
18:13 Lesson 21 - Think about unlocking the value of your home
20:00 Lesson 22 - Find what works for you, not what works for others
20:45 Lesson 23 - A solution?

Vanguard Lifestrategy VS Target Retirement Funds | This is where Vanguard gets it wrong

Mon, 12 Oct 2026 16:30:00 -0000

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/9

Vanguards Target Retirement and Lifestrategy fund ranges are both very popular. But one of them has a critical flaw.

👉🏻 *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/getintouch

Risk Warnings and Disclaimers

Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. 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 Shackell
Copyright © 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.

Retirement planning and generating a sustainable retirement income are two very delicate things. Good investment portfolio risk management is critical to ensure you don't run out of money.

In this video, we cover:
00:00 Intro
03:13 What Risk Is and Why It's Important
05:10 LS VS TR
07:49 Why Vanguard Have Got It Wrong
09:09 Better Ways to Manage Risk in Retirement

Can The Stock Market Keep This Up?

Mon, 12 Oct 2026 08:30:00 -0000

👉🏻 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/92

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).

James Shack™ property of James Shackell
Copyright © 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 Intro
01:07 The Problem
01:26 Simple Explanation
03:30 It still doesn’t add up - what’s missing?
06:00 1st Unsustainable Trend
06:49 2nd Unsustainable Trend
07:38 3rd Unsustainable Trend
12:47 What does this mean for future returns?
16:27 Actions

How I create a passive income for my Clients (Stocks and Shares retirement income explained)

Mon, 12 Oct 2026 00:30:00 -0000

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/10

Risk Warnings and Disclaimers

Capital 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. 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).

Are Pensions worth it anymore?

Sun, 11 Oct 2026 16:30:00 -0000

👉🏻 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/91

Risk Warnings and Disclaimers

Capital 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 James Shackell
Copyright © 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 Intro
00:52 What is changing at a high level
03:16 This will affect more people than you think
05:03 Changes in more detail
06:00 Are the changes here to stay?
07:27 Pension vs ISA for retirement
11:52 Pension vs ISA for IHT
13:03 DON’T SKIP THIS BIT
14:04 When should I STOP paying into a pension?
17:19 Why retirement planning has got a lot more complicated
18:12 Should I change the way I draw from my pension in retirement?

Stock Market Investing for Short Term Goals (1-5yrs, House Deposit) | Big mistake or genius idea?

Sun, 11 Oct 2026 08:30:00 -0000

Find out how you should be investing for your short-term goals.

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/11

Risk Warnings and Disclaimers

Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. 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. Prevailing tax rates and reliefs are dependent on your individual circumstances and are subject to change. We do not provide tax advice. 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).

It can be very tempting to dive into the stock market especially after the market has been doing well and you're getting little interest elsewhere.

But is it a good idea?

As with most things, the answer is not straightforward and will depend on your own situation.

In this video we'll:

- Dive into the data to work out just how risky short term investing is
- Look at ways you can try to reduce the risk
- Other considerations you need to make

Sources:

Historical Frequency of Positive Stock Returns

[https://www.fisher401k.com/sites/default/files/2018-03/Historical_Frequency_of_Positive_Stock_Returns_K03171V.pdf](https://www.fisher401k.com/sites/default/files/2018-03/Historical_Frequency_of_Positive_Stock_Returns_K03171V.pdf)

US Market Annualised Rolling Returns 1872-2018

[https://docs.google.com/spreadsheets/d/1aL9NeFxjmX96so44oP38_0pv9NX6LvIw/edit#gid=647601260](https://docs.google.com/spreadsheets/d/1aL9NeFxjmX96so44oP38_0pv9NX6LvIw/edit#gid=647601260)

00:00 Intro
00:56 The Big Question
04:05 The Data
09:34 Other Considerations

James Shack™ property of James Shackell
Copyright © 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.

The Month You Retire Really Matters

Sun, 11 Oct 2026 00:30:00 -0000

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/90

Sign up to my Newsletter to receive my synopsis of the Autumn Budget on the day
https://james-shack.co.uk/newsletter

Risk Warnings
Capital 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 James Shackell
Copyright © 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.

Stock Market Crashes | 4 rules for controlling your emotions

Sat, 10 Oct 2026 16:30:00 -0000

"If you can't control your emotions, you can't control your money" - Warren Buffet.

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/12

Risk Warnings and Disclaimers

Capital 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. 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).

00:00 - Why this is important
04:43 - Have a Plan
07:23 - Embrace Volatility
11:21 - Embrace The Crashes
14:13 - Act Slow

James Shack™ property of James Shackell
Copyright © 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.

Pensions Are Changing (More than you think)

Sat, 10 Oct 2026 08:30:00 -0000

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/UQcZPfwQVj4

Risk Warnings and Disclaimers

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).

James Shack™ property of Shack Media Limited
Copyright © 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 Intro
01:49 Salary Sacrifice Change
04:45 The Stealth Tax - Case study
05:58 When to make contributions
09:40 Waiting is not always best
11:02 Effects on pension withdrawals
13:02 When to stop contributing
15:22 Can we trust pensions moving forwards?

ESG Investing Explained | The future of investing (almost)

Sat, 10 Oct 2026 00:30:00 -0000

Market beating returns and a clear conscience. Is this too good to be true?

👉🏻 *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/13

Risk Warnings and Disclaimers

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. 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 Intro
02:27 Sustainable Investing
04:15 What is ESG
05:55 Pros and Cons
13:37 What this means for you

James Shack™ property of James Shackell
Copyright © 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.

How to ACTUALLY Manage Your Money in Retirement (For a More Secure Income)

Fri, 09 Oct 2026 16:30:00 -0000

👉🏼 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/3ASQi1IUHws

Managing Sequence Of Return Risk With Bucket Strategies Vs. A Total Return Rebalancing Approach
https://www.kitces.com/blog/managing-sequence-of-return-risk-with-bucket-strategies-vs-a-total-return-rebalancing-approach/

Risk Warnings and Disclaimers

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).

James Shack™ property of Shack Media Limited
Copyright © 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 Intro
01:34 What’s happened to my kitchen?
02:18 Case study
03:41 A Bucketing Approach
06:03 Retirees' Worst Enemy (It’s not a stock market crash)
08:23 Problems with Bucketing Strategies
09:02 A Simpler Approach
12:02 How Much Cash to Hold
14:24 What to Invest In
17:00 Dynamic Spending Strategies

Lump Sum Investing vs Investing Over Time (dollar cost average) | Which is best?

Fri, 09 Oct 2026 08:30:00 -0000

If you've got a lump to invest should you be investing it all straight away or should you phase it in overtime?

Nick Maggiulli’s Blog - https://ofdollarsanddata.com

👉🏻 *Looking for help with Financial Planning?*
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Risk Warnings and Disclaimers

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. 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 Shackell
Copyright © 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.

The Simple Investing Question (Almost) Everyone Gets Wrong

Fri, 09 Oct 2026 00:30:00 -0000

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www.go.novawm.com/yt/zHVKhOoEmMQ

Risk Warnings and Disclaimers

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).

James Shack™ property of Shack Media Limited
Copyright © 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 The Question
02:00 Why do so many people find this hard?
04:34 How this affects real financial decisions

Holding Cash Waiting For The Next Stock Market Crash - Genius idea or fatal mistake?

Thu, 08 Oct 2026 16:30:00 -0000

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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/15

Risk Warnings and Disclaimers

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. 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).

In this video, we dive into the data to work out if holding cash in anticipation of the next stock market crash is a genuine strategy, or one that's going to leave you in the dust.

Now this is a situation we all find ourselves in at times. And we all ask exactly the same question.

You're sitting there with cash that you want to invest but you're also looking at the markets, that are currently sitting at an all time high and thinking, surely they have to come down from this point. They have too, it's almost a given. And surely if I just wait for them to drop, or I just put in a limit order, below where the price is now I'm sure to get in a better price.

Limit order - [https://www.investopedia.com/terms/l/limitorder.asp](https://www.investopedia.com/terms/l/limitorder.asp)

But is this really a good strategy? For these two work two things that need to happen:

1) The markets need to drop to hit whatever target price we set

2) We need to actually buy when the time comes, and don't chicken out or get too greedy

We can get a good indication of just how likely this first part is to happen simply by looking back at historical data. But the second part is going to involve digging into the behavioural challenges that you will face, the emotions and the biases that will need to be overcome to execute this strategy properly.

**The Data**

- Please feel free to make copies of this and play around with it.
- The data has not been topped and tailed. Some of the ATH's at the start of the data set may not actually be ATHs. Likewise, time has not progressed enough to truly tell whether recent years may actually hit our price target in the future. I decided that the data set was large enough that these would not have a massive impact. But if you want to have a go and make some better assumptions please do so and let me know the results in the comments.

-20% Price Target (1960-2021)

[https://docs.google.com/spreadsheets/d/1rh1CEjMqxD1e1Q78xSAiiCqeWHb4IiMQBmsU1vT3Krw/edit?usp=sharing](https://docs.google.com/spreadsheets/d/1rh1CEjMqxD1e1Q78xSAiiCqeWHb4IiMQBmsU1vT3Krw/edit?usp=sharing)

-20% Price Target (1980-2021)

[https://docs.google.com/spreadsheets/d/1yxm1zGbXgI8tZLHVFUkuJbYRIh6ZCe-BUUiq_q4N1yc/edit?usp=sharing](https://docs.google.com/spreadsheets/d/1yxm1zGbXgI8tZLHVFUkuJbYRIh6ZCe-BUUiq_q4N1yc/edit?usp=sharing)

-10% Price Target (1980-2021)

This has better chances of paying off, but you need to remember that after you've taken off any lost dividends your potential return is very small in comparison with the potential loss. The risks are asymmetric. It's kind of like picking up pennies in front of a steamroller.

[https://docs.google.com/spreadsheets/d/1IcpfVtw3NpC5sSk6DjrMubY81Iao-cQBfeQ-VQh8t1g/edit?us

Is this really a good time to be investing?

Thu, 08 Oct 2026 08:30:00 -0000

👉🏼 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/CIc9diIfMSA

Risk Warnings and Disclaimers

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).

James Shack™ property of Shack Media Limited
Copyright © 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.

Renting Vs Buying a Home | The 4% Rule

Thu, 08 Oct 2026 00:30:00 -0000

8 Ways You Could Save £1,000s of Tax in 2026 (Legally)

Wed, 07 Oct 2026 16:30:00 -0000

Looking for help with your finances?
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/obxj1LK6Tio

Risk Warnings and Disclaimers

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. SEIS/EIS/VCTs should be regarded as higher risk investments, with some of these there is a risk that investors can lose 100% of their capital. They are only suitable for UK resident taxpayers who can tolerate higher risk and have a time horizon of greater than five years. Owing to the nature of their underlying assets, they 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 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 Limited
Copyright © 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 Intro
02:01 The Tax Traps
05:55 Number 1 - Salary Sacrifice Schemes
07:52 Number 2 - Tactical Pension Contributions for Optimal Tax Relief
14:12 Number 3 - ISAs (don’t forget flexible ISAs!)
15:00 Number 4 - Voluntary NI Contributions
15:54 Number 5 - GIA Tax Optimisation (CGT, Divs, Savings allowance)
17:34 Number 6 - Make use of other people’s allowances
18:21 Number 7 - Minimise IHT with Gifting Allowances
19:00 Number 8 - EIS, SEIS and VCTs

Why I Will Always Be A Better Investor Than You

Wed, 07 Oct 2026 08:30:00 -0000

The Shocking Maths of Working (Just) One More Year

Wed, 07 Oct 2026 00:30:00 -0000

👉🏼 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/cxOMA_cQH6w

Risk Warnings and Disclaimers

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.

This video is issued by Shack Media Limited on behalf of Nova Wealth Limited. Shack Media Limited is an Introducer Appointed Representative of Nova Wealth Limited. Nova Wealth Limited is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) at 20 Farringdon Street, London, EC4A 4AB

James Shack™ property of Shack Media Limited
Copyright © 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.

Sell Your Winners and Buy Your Losers (Stock portfolio rebalancing explained)

Tue, 06 Oct 2026 16:30:00 -0000

It doesn’t seem to make any sense at first, but rebalancing is used by portfolio managers all over the world to manage risk and boost returns.

👉🏻 *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/18

Risk Warnings and Disclaimers

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. 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).

Data used in this video:

Historical Asset class returns
http://awgmain.morningstar.com/webhelp/FAQs/What_assumptions_goalplans.htm

Northern Trust risk adjusted returns
https://www.northerntrust.com/united-kingdom/insights-research/2020/wealth-management/rebalancing-strategic-portfolios

Vanguard Portfolio Drift
https://investor.vanguard.com/investing/portfolio-management/rebalance

Other reading:
How rebalancing works for Index Investors - https://breakingthemarket.com/why-market-index-investing-works/

00:00 Intro
01:59 Risk vs Return
03:54 Diversification
08:14 Stocks and Bonds
10:45 Within Stocks

James Shack™ property of James Shackell
Copyright © 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.

The Stupid Mistake Costing Smart People £10,000s

Tue, 06 Oct 2026 08:30:00 -0000

Looking for a second pair of eyes on your retirement plan? I can help: https://go.novawm.com/yt/slyCyKoLTWQ

Risk Warnings and Disclaimers
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.

00:00 Intro
01:58 What Do We Mean by "Stupid"?
02:23 Seven Factors of Stupidity
06:25 Simon's Mistake
07:45 The Solution

This video is issued by Shack Media Limited on behalf of Nova Wealth Limited. Shack Media Limited is an Introducer Appointed Representative of Nova Wealth Limited. Nova Wealth Limited is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) at 20 Farringdon Street, London, EC4A 4AB
James Shack™ property of Shack Media Limited

Copyright © 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.

Why You Can't Beat Index Funds

Tue, 06 Oct 2026 00:30:00 -0000

I keep getting better, but so does everyone else...

Alpha and the Paradox of Skill
https://research-doc.credit-suisse.com/docView?language=ENG&format=PDF&source_id=em&document_id=805456950&serialid=LsvBuE4wt3XNGE0V%2B3ec251NK9soTQqcMVQ9q2QuF2I%3D

👉🏻 *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/19

Risk Warnings and Disclaimers

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. 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 Shackell
Copyright © 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.

00:00 The Paradox of Skill
02:08 Tennis
03:28 Baseball
05:58 Investing
09:12 Index Funds
10:31 Finding Weaker Games

Which Should Draw First in Retirement? (The optimal order for income)

Mon, 05 Oct 2026 16:30:00 -0000

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/d4MDvcEcHXI

Is my expenditure sustainable?
https://youtu.be/ViBvcV3EL2s?si=pnVQnMKhP_Wref-Y

Normal Expenditure Out of Income Exemption Explained
https://www.mandg.com/wealth/adviser-services/tech-matters/iht-and-estate-planning/exemptions-and-relief/normal-expenditure-out-of-income

Risk Warnings and Disclaimers
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.

This video is issued by Shack Media Limited on behalf of Nova Wealth Limited. Shack Media Limited is an Introducer Appointed Representative of Nova Wealth Limited. Nova Wealth Limited is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) at 20 Farringdon Street, London, EC4A 4AB

James Shack™ property of Shack Media Limited
Copyright © 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 The Problem
01:37 Step 1 - Expect Income Cashflow Forecast
02:26 Step 2 - Estimate Retirement Spend
03:43 Step 3 - Assess Sustainability
04:11 First Lens - Retirement Income Optimisation
09:50 Second Lens - Legacy Optimisation
18:23 Third Lens - Diversification
19:34 Step 5 - Decide How to Invest

How to Invest Your First £1,000 Today (Step by step guide)

Mon, 05 Oct 2026 08:30:00 -0000

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/20

Step-by-step guide for how and where to invest your first £1,000

Step 1: Pay off high interest debt

Before you start investing you should first look to pay down any high interest debt. This includes:

Credit card balances
Car finance
Personal loans
Student loans, here’s a video i did on this: https://youtu.be/gg4QSsze-C0

You may want to build up a small emergency fund before doing this as otherwise you may get caught out in need of cash and have no other option but to go into more debt!

Step 2: Build up an Emergency Fund

Having a suitable emergency fund, to pay for any unexpected expenses, allows you to invest the rest of your money in the confidence that you won’t need to draw on it. Investing is a long term game, and you need to be able to keep that money invested for 5+ years, but you should really be thinking 30+ years!

Typically 3-9 months worth of expenses is enough. But it’s really up to you. If you’re conservative you could have more than this. If you’re comfortable with risk you could have no fund and just use credit cards

An emergency fund should be kept in an easily accessible savings account, if you have a large fund (10+ months) you could even put some of it in fixed term deposits.

You will not get a good level of interest. But this money is not there to get a good return. It’s there so you can confidently take risk, and get good returns, with the rest of your money.

Step 3: Get the right Protection

This is more important for those with young families. But everyone that’s working should have some level of cover.

If you get ill and are unable to work, or you die, you’re family is going to be in a very bad financial situation and any money you’re squirreled away for retirement isn’t going to go far.

Before you start investing, you should make sure you’ve got the right level of insurance to cover you if there worst should happen.

Income Protection - https://moneytothemasses.com/quick-savings/insurance-2/income-protection-insurance-insurance-2/income-protection-do-you-really-need-it

Life Insurance - https://moneytothemasses.com/quick-savings/insurance-2/life-insurance/do-you-need-life-insurance

https://www.confused.com/life-insurance/guides/life-insurance-buyers-guide

To find our what cover you have through work you should email your HR department or manager, they will let you know the details.

What level of cover do I need?

Think this through, if the worst did happen, how much would you need? You should be able to answer this question yourself just by doing some simple forecasting. You should make sure that whatever protection you take out has some for of inflation adjustment.

Step 4: Choosing the right app

Watch my video on investing apps here: https://youtu.be/61snJRa45PM

Step 5: Account Types

You should fully understand how each of these work and when they should be used. Do this before you start investing:

General Investment Account
ISA - https://www.nationwide.co.uk/savings/help/isas-explained
LISA - https://www.moneysavingexpert.com/savings/lifetime-isas/
SIPP - https://www.which.co.uk/money/pensions-and-retirement/personal-pensions/self-invested-personal-pensions-sipps/what-is-a-sipp-a4p4n0c1ts84

Step 6: What to invest in

Please watch my video on Index funds here: https://youtu.be/aL-GgWkA25Q

Please watch my video on Vanguard Lifestrategy funds here: https://youtu.be/lGQ9KyQq8Jw

Watch my video here on why investing in individual stocks is not a good idea: https://youtu.be/G41th-qA5cc

Risk Warnings and Disclaimers

Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Different funds and a

The Crushing Reality of Retiring Too Soon

Mon, 05 Oct 2026 00:30:00 -0000

Looking for a second pair of eyes on your retirement plan? Get in touch: https://go.novawm.com/yt/ZXutOs7XXO4

Risk Warnings and Disclaimers
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.

This video is issued by Shack Media Limited on behalf of Nova Wealth Limited. Shack Media Limited is an Introducer Appointed Representative of Nova Wealth Limited. Nova Wealth Limited is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) at 20 Farringdon Street, London, EC4A 4AB

James Shack™ property of Shack Media Limited
Copyright © 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 happened
07:50 The pattern I see in all retirees
08:23 The 5 Essential Elements of Wellbeing
10:55 What he did to rebuild

How to Sort Out Your Pensions TODAY and Retire Early

Sun, 04 Oct 2026 16:30:00 -0000

Don’t assume your pensions are being managed correctly. The earlier you sort this out the earlier you can retire.

👉🏻 *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/21

Related Videos and Links:
Understanding funds - https://youtu.be/aL-GgWkA25Q
Risk Scores - https://www.youtube.com/watch?v=lGQ9KyQq8Jw&t=623s
Find your pensions - https://www.gov.uk/find-pension-contact-details

Risk Warnings and Disclaimers

Capital 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. 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. 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).

James Shack™ property of James Shackell
Copyright © 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 Intro
2:20 What and Why
3:24 How much should you pay in
4:59 Contribution Tips
06:01 How to find them
06:47 Problems with default funds
08:07 Stick, twist or shuffle
08:39 Walkthrough
12:53 Transfer considerations
14:18 Choose your beneficiaries

Why You’ll Never Actually Spend Your Retirement Savings

Sun, 04 Oct 2026 08:30:00 -0000

Want a fresh pair of eyes on your retirement plan? Find out more here → https://go.novawm.com/yt/IYaFO7FGBwc

Risk Warnings and Disclaimers

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.

This video is issued by Shack Media Limited on behalf of Nova Wealth Limited. Shack Media Limited is an Introducer Appointed Representative of Nova Wealth Limited. Nova Wealth Limited is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) at 20 Farringdon Street, London, EC4A 4AB

James Shack™ property of Shack Media Limited
Copyright © 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 Intro
01:04 How big is this problem? (The data)
02:23 Why does this happen
03:36 We’ve never had to do this before
5:59 Mark’s financial situation
08:46 Cashflow modelling of Mark’s situation
09:50 What Mark really hated
11:24 How much could he actually spend?
13:24 "Unnecessary spending”
15:13 Behavioural strategies for spending more

Why a Stock Market Crash Always Seems Imminent

Sun, 04 Oct 2026 00:30:00 -0000

The sources of information you’re using to make decisions are giving you a warped view of reality.

As I said in the video, everyone's got an alternative agenda and you’re probably wondering what mine is?!

I create content to educate, and help people understand a subject that should really be taught in school. At the same time, I’m a financial planner and I would like to think that if you ever need hands on help with any of this stuff, or you have family you think need help, then you might think of getting in touch with me!

👉🏻 *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/22

Risk Warnings and Disclaimers

Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. 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 Intro
01:13 Reasons to sell
02:41 Negative news sells
04:21 Billionaire investing guru’s
07:50 How to read a graph

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Copyright © 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.

3 Signs You Should STOP Paying Into Your Pension

Sat, 03 Oct 2026 16:30:00 -0000

Not sure if your retirement plan holds up? Get a second opinion here → https://go.novawm.com/yt/LKKfOofqSVw

Gifts out of surplus income explained: https://www.mandg.com/adviser/tech-matters/iht-and-estate-planning/exemptions-and-relief/normal-expenditure-out-of-income

Risk Warnings and Disclaimers

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.

This video is issued by Shack Media Limited on behalf of Nova Wealth Limited. Shack Media Limited is an Introducer Appointed Representative of Nova Wealth Limited. Nova Wealth Limited is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) at 20 Farringdon Street, London, EC4A 4AB

James Shack™ property of Shack Media Limited
Copyright © 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 The Questions
02:03 Two Ships
04:27 Basic Rate Tax Payers
09:02 Higher and Additional Rate Tax Payers
12:35 Two Critical Points
13:29 Inheritance Tax

If you ever plan on retiring you need to watch this

Sat, 03 Oct 2026 08:30:00 -0000

If you don’t know the size of the problem, how will you know when you’ve solved it? Or if you’re even making progress?

You'll never be able to work out exactly how much money you'll need in retirement but it's really important you try to get a good estimate.

👉🏻 *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/23

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 (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 Shackell
Copyright © 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.

How Much Can You (Actually) Spend in Retirement with £250k/£500k/£1m?

Sat, 03 Oct 2026 00:30:00 -0000

Wondering if you could retire earlier? Get a second opinion here → https://go.novawm.com/yt/-EGrPGUBGn0

Software and Data
www.timeline.co is the backtesting software I used in this video. It includes over 100 years of stock market and inflation data. To get such a large data set, they have spliced together different indices to cover different periods, but the modern versions of the indices used in this video are:

Global Equities - Morningstar Global All Cap Target Market Exposure
Global Bonds - Morningstar Global Core Bond

Risk Warnings and Disclaimers

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.

This video is issued by Shack Media Limited on behalf of Nova Wealth Limited. Shack Media Limited is an Introducer Appointed Representative of Nova Wealth Limited. Nova Wealth Limited is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) at 20 Farringdon Street, London, EC4A 4AB

James Shack™ property of Shack Media Limited
Copyright © 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 The Retirement Dilemma
01:38 The most dangerous mistake retirees make
03:57 The 4% rule – it’s too low (and too high)
05:52 How “safe” do we need to be?
07:38 A more realistic retirement plan
10:14 The lottery of later life (care)
12:18 Effects of retiring earlier or later
14:15 Effects of higher/lower stock exposure

All good retirement plans start here - Step 1

Fri, 02 Oct 2026 16:30:00 -0000

Once You Understand This, You'll Stop Working Past 57

Fri, 02 Oct 2026 08:30:00 -0000

Not sure if you have “enough” to retire? Get in touch → https://go.novawm.com/yt/3SBf7hD0sEw

This video is issued by Shack Media Limited on behalf of Nova Wealth Limited. Shack Media Limited is an Introducer Appointed Representative of Nova Wealth Limited. Nova Wealth Limited is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) at 20 Farringdon Street, London, EC4A 4AB

James Shack™ property of Shack Media Limited
Copyright © 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 Thought Experiment
02:52 How Much is Enough?
05:03 First illusion of linearity
08:48 Second illusion of linearity

The One Thing You Need to Invest In (2021)

Fri, 02 Oct 2026 00:30:00 -0000

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/1

"What should I be investing in?" - This is the number one question I get asked when people find out that I'm a qualified financial adviser

!SPOILER ALERT!

The answer to this question is not as convoluted as most people think. For the vast majority of people, there is one thing you should be investing in, ahead of anything else...

You need to be investing in your most valuable asset.

And for 99% of the people watching this video, your most valuable asset is... YOU, and your ability to turn your TIME and SKILLS into future INCOME.

You need to be investing in yourself just like you would any other asset.

If you bought a rental property and you wanted to increase the income from it, what would you do? You'd probably give it a lick of paint, change the furnishings or build an extension. Well, the exact same thing goes for you; adding skills to your portfolio will increase your value and result in you getting PAID MORE.

And if done correctly, you can generate far FAR higher returns than investing in the stock market.

Investing in yourself and developing your skills will be the most crucial factor is your career. Just think, for most of you watching this video, in your teens and twenties, the job that you'll be doing when your fifty does not even EXIST YET. The job I currently do (Product Manager) didn't even exist when I left school, and that was only 10 years ago!

And the only way you can prepare yourself for this type of career is to learn how to learn and be continually investing in yourself.

But before you do, you need to be aware of two things:

1) Your Age
The younger you are when you invest, the greater effect it's going to have on your lifetime earnings.
2) You need to do your research
Not all skills will produce the same return. If you're training to be a doctor or a dentist you can be pretty confident of what you're earning potential will be. Therefore it's easy to rationalise the upfront investment. If you're taking a course in Bonsai tree Husbandry... you get the idea.

It can be hard to identify what skills are likely to produce a good return. So my advice would be this, get off the internet and start talking to people. The only people that are qualified tell you what skills you'll need are the people that are already where you want to be.

You'll get the best advice from talking to strangers, and by far the best way to do this is LinkedIn. The best tactic I've found is to connect with people who've been working for 5-10 years, they're tenured enough to know their industry really well, but they're not likely to have had many requests for help before. In fact, most of them will be honoured that someone values their opinion so highly.

If you can't find people within your network on LinkedIn, sign yourself up for a LinkedIn premium trial, it'll allow you to send 20 Inmail messages to people outside of your network, and I can guarantee you'll get a few hits off that. You can cancel it at the end of the trail, but personally, when I'm looking for a job, a LinkedIn premium subscription can be a really powerful tool. And again you should be looking at that monthly membership fee as an investment.

Honestly, YOU ARE YOUR MOST VALUABLE ASSET, and you need to start treating yourself like you would any other type of investment.

But it doesn't stop professional skills; you've also got to look after your health. I mean you're not going to earn anything if you're unfit, so remember to invest in yourself both physically and mentally, it all adds up.

Risk Warnings
Capital at risk. Past performance is used as a guide only. It is no guarantee of future returns. Differen

It's boring, but it pays 8.1% guaranteed for life

Thu, 01 Oct 2026 16:30:00 -0000

Looking for help planning your retirement? Start here → https://go.novawm.com/yt/PK4cr_eu6vc

MoneyHelper Comparison Tool: https://www.moneyhelper.org.uk/en/pensions-and-retirement/taking-your-pension/compare-annuities

This video is issued by Shack Media Limited on behalf of Nova Wealth Limited. Shack Media Limited is an Introducer Appointed Representative of Nova Wealth Limited. Nova Wealth Limited is authorised and regulated by the Financial Conduct Authority (FRN: 778951) and is a limited company registered in England and Wales (10739796) at 20 Farringdon Street, London, EC4A 4AB

James Shack™ property of Shack Media Limited
Copyright © 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 Intro
01:14 What is an annuity
02:48 Annuity vs Investment Portfolio (Part 1)
03:07 Marcus' Situation
04:37 The Problem with Drawdown
07:40 How an Annuity Fits
08:38 Best annuity rates
12:02 Annuity vs Investment Portfolio (Part 2)
13:44 What I suggested for Marcus

Should You Pay Off Student Loans or Invest? The Definitive Guide (US and UK)

Thu, 01 Oct 2026 08:30:00 -0000

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/2

Should you Pay Off Your Student Loan or Start Investing? This definitive guide will help you work out whether investing or paying down student debt is best for you. (Inc Student Loan Forgiveness Strategies)

There is so much information about student loans and investing online, but most of it isn't that comprehensive, or it’s just downright wrong. So it’s time to lay out exactly how you should be thinking about this, and giving you all the information you’ll need to identify whether you should be paying down that debt or investing.

Sections:

Intro: (0:00)
Investment Rationale: (3:31)
US: (9:30)
UK: (12:30)
Subjective Factors: (15:42)

Step 1: Get an Emergency fund

Before you even start to think about investing or even paying down your debts there is one this you absolutely have to do first. You’ve heard it before, and I’ll say it again. You need to have an emergency fund. You need to have enough cash saved up to fund 3-6 months of your living costs if the worst should happen.

I know it can seem counterintuitive to have cash in the bank whilst you’re got some big old debts outstanding. But just imagine if you’d made a big overpayment on your loan, you’re feeling pretty pleased with yourself, and then suddenly you crash your car, and you’ve got no cash to pay for repairs. And you end up having to pay for it on your credit card that’s gonna charge you a hell of a lot more than the student loan did in the first place! So always keep some cash on hand.

Step 2: Educate yourself on Investment Returns

Most people make the basic mistake of looking at the average return of the stock market 9% and thinking “Hey, this is bigger than the rate I’m paying on my loans. So surely I’ll be better off by investing”. The thing people miss here is that that average stock market return is not guaranteed, whereas the student debt interest is. And even though the average is 9% you still have a very high probability of ending up with less.

You also need to consider that if this was just a normal investment opportunity, you’d be taking all of the same risks that come with investing in the stock market, for only a fraction of the return.

Part 3: Student Loans in the UK and US

I cover off in detail the differences between the types of student loans and how each of them will affect your decision.

Student Loan Refinancing Resources:

https://www.nerdwallet.com/article/loans/student-loans/student-loan-relief

Part 4: Subjective Factors

Arguably, this is the most important part. What are your goals, what are you trying to achieve? Do you want to be debt-free as soon as possible or do you feel like you can handle the risk and want to start learning about investing? I talk about all the factors you need to consider.

DISCLAIMER:

As with all investing, the value of your investment can go down as well as up, and you can get back less than you originally invested. Past performance is used as a guide only. It is no guarantee of future returns. 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 Shackell
Copyright © 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.

Want to Stress Test Your Own Retirement Plan? (I've built something for you)

Thu, 01 Oct 2026 00:30:00 -0000

Find out more about Shackademy here → https://go.novawm.com/shackademy

James Shack™ property of Shack Media Limited
Copyright © 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.