

QA42 - Listener Questions, Episode 42
Pete Matthew and Roger Weeks cover self-employed saving rates, inheritance tax and estate planning, and how dividends are treated inside pension drawdown (including SIPPs). They also discuss salary sacrifice and contribution limits, the pros and cons of recycling tax-free cash, and whether to overpay your mortgage or…

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What people are saying
“for the recyling question: previously, 30k would be taxed at 15% effective - so £4500 tax. Now, 22500 will be taxed at 20% (same £4500 tax) but you’re netting 18000 on the lower amount vs 25500 on the original. A 7500 difference (which is w…”
“Hmmmm fishing wire at the top of the stairs eh Pete? Great idea, thanks 😂”
“Re the recycling, isn’t it that if pre-planned or part of a deliberate scheme that recycling rules apply? The scenario set out sounds very much pre-planned and part of a deliberate scheme. It may not trigger MPAA but does sound like it woul…”
“The question about the high dividend yield fund. It's a common mistake to think that these can generate more income than a global index fund. High dividend yield fund selection has a lower expected return (capital + dividend) than just a gl…”
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