

QA43 - Listener Questions, Episode 43
If you're a UK beginner and you're not sure where to start investing in 2026, Pete and Roger talk you through a calm, step-by-step investing order to follow. They cover when to build a buffer, tackle expensive debt and use employer pension matching, plus how to choose between a Stocks and Shares ISA and a pension.…

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“How do we submit questions please?”
“Does the government pension checker account for SERPs opt out etc? Mine says ‘if you contribute 2 more years you’ll get £230pw’ which is the full state amount, but they also say ‘we notice you’ve had some opted out periods’ and no further i…”
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“For the last one if that was me, I’d spend down the pension to state pension, transition the cash into ISA over the coming years to get that protected by the time the state pension uses up your personal allowance. Then draw a bit from your…”
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