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Gold In Your Pension: What UK Savers Need To Know · The Bullion Advantage | Wealth Protection, Politics and Finance Insights From The #1 UK Gold Dealer

• 0:01
  SPEAKER_00: Your retirement could be more at risk than you think.
• 0:05
  SPEAKER_00: Most people assume their pension will be there when they need it, but with inflation rising, markets under pressure and economic uncertainty increasing, that assumption is definitely being tested.
• 0:17
  SPEAKER_00: The reality is, many pensions are heavily exposed to the stock market and the wider financial system.
• 0:24
  SPEAKER_00: So what happens when the system comes under stress?
• 0:27
  SPEAKER_00: In this episode, you'll understand how pensions are really structured, the risks many people face, and why gold is a popular option for people who want to protect and grow their pension pod.
• 0:39
  SPEAKER_00: Before we start, please remember to like and subscribe if you're listening or watching on YouTube, and if you're listening on Spotify or Apple Podcasts, please do follow the show so that you never miss an episode.
• 0:51
  SPEAKER_00: Right, let's unpack this now.
• 0:55
  SPEAKER_00: To go through all this, Jack's back on the podcast.
• 0:58
  SPEAKER_00: Jack, thanks so much for coming back on the Bullion Advantage.
• 1:01
  SPEAKER_01: Thank you.
• 1:01
  SPEAKER_01: Good to be back.
• 1:02
  SPEAKER_00: Firstly, what are the main problems that people currently experience with their pension?
• 1:07
  SPEAKER_01: I'd say massively, the first one which stands out to me would be control.
• 1:11
  SPEAKER_01: Right.
• 1:11
  SPEAKER_01: A lot of people we speak to don't know where their pensions are.
• 1:15
  SPEAKER_00: I I certainly don't.
• 1:17
  SPEAKER_01: Exactly.
• 1:17
  SPEAKER_01: A lot of people, it's perfectly normal to go for a few jobs in your in your working career.
• 1:21
  SPEAKER_01: Yeah.
• 1:21
  SPEAKER_01: So you it's very, very simple to and easy to lose track of where your pensions might be, what companies they're with, and as we know and as I've seen with clients in the past, it can be particularly difficult to try and locate them as well.
• 1:34
  SPEAKER_01: Yeah.
• 1:35
  SPEAKER_01: So it comes down to control because if you don't know where your pension where your pension's invested, what company it's with, essentially you don't have any control over your retirement, right?
• 1:43
  SPEAKER_00: None at all.
• 1:44
  SPEAKER_00: None at all.
• 1:44
  SPEAKER_00: What would you say most UK pensions are typically invested in then?
• 1:49
  SPEAKER_01: Traditional areas would be the stock market, uh commercial property.
• 1:54
  SPEAKER_01: They're sort of the nuts and bolts of traditional pensions.
• 1:57
  SPEAKER_01: Uh but as we know, it comes down to control.
• 1:59
  SPEAKER_01: People can't control the stock market.
• 2:01
  SPEAKER_01: We know there will be peaks and troughs, and there's massive speculation around a stock market crash.
• 2:07
  SPEAKER_01: Yes, it could be speculation, but it's definitely something to keep in the back of your mind.
• 2:11
  SPEAKER_00: So, how safe are those those investments?
• 2:14
  SPEAKER_00: Obviously, stock market, maybe not so much, but in terms of all the all the stuff that those pensions are invested in, what would you how safe would you say those are?
• 2:23
  SPEAKER_01: Yeah, I think you're safe to a degree, uh, but there can always be volatility in the stock market, like anything really.
• 2:29
  SPEAKER_01: Um so that's why people will normally look at something tangible, something that you know is not going to go to zero, uh, like your your traditional stock market, your crypto.
• 2:39
  SPEAKER_01: Got it.
• 2:39
  SPEAKER_01: The the the chance of it going to zero are very, very slim, but you know it's a possibility, right?
• 2:44
  SPEAKER_00: Yeah.
• 2:45
  SPEAKER_00: And you mentioned stock market crash there.
• 2:48
  SPEAKER_00: What would you say could potentially happen to traditional pensions if there is a market crash like you suggested?
• 2:53
  SPEAKER_01: They vanish.
• 2:54
  SPEAKER_01: We've seen it in the past.
• 2:55
  SPEAKER_01: There's lots and lots of clients that we've spoken to that have been a victim of pensions disappearing, uh, whether that be companies going under, stock market crash.
• 3:05
  SPEAKER_01: There's too many variables essentially that could impact your retirement with the traditional way of uh of building a retirement fund.
• 3:13
  SPEAKER_00: So obviously, the main reason for us doing this podcast is because a lot of people don't know that you can put gold into your pension.
• 3:20
  SPEAKER_00: How does how do you start?
• 3:22
  SPEAKER_00: Where do you start when if you do want to add gold into your pension?
• 3:25
  SPEAKER_01: Really, really simple process.
• 3:26
  SPEAKER_01: Now, just give us a shout.
• 3:28
  SPEAKER_01: Now, we work with a couple of FCA regulated pension providers.
• 3:32
  SPEAKER_01: Uh, we as a company are not a pension provider, we just provide the gold that goes in it.
• 3:36
  SPEAKER_01: Right.
• 3:36
  SPEAKER_01: Um, so what you'd be doing is setting up a SIP, which a lot of our viewers might have heard of.
• 3:40
  SPEAKER_01: Uh, but for the ones that haven't, it stands for a self-invested personal pension.
• 3:44
  SPEAKER_01: Right.
• 3:44
  SPEAKER_01: The benefits to a SIP, massively, as we brushed on very, very briefly, is control.
• 3:49
  SPEAKER_01: Now you can set up a SIP by all means you don't have to go fully into gold.
• 3:53
  SPEAKER_01: You can invest in commercial property, the stock market, whatever you like.
• 3:57
  SPEAKER_01: Right.
• 3:58
  SPEAKER_01: But the key thing to note there is you are in control of where your pension fund goes.
• 4:03
  SPEAKER_00: Got it.
• 4:04
  SPEAKER_00: Once once you put gold into your pension, is it kind of the same you can just make ongoing contributions like people do in a traditional pension with their salary and stuff like that?
• 4:14
  SPEAKER_01: Of course.
• 4:14
  SPEAKER_01: So, yeah, you can add to your pension.
• 4:16
  SPEAKER_01: Now, once you have gold inside your pension, it's within gold bars.
• 4:19
  SPEAKER_01: Now, when gold bars are inside your pension, it's the only time there'll be capital gains tax free.
• 4:26
  SPEAKER_01: So that's why people like gold inside the pension, just because it will be completely CGT free, meaning that any upside that's accumulated over the years uh goes back into the pension as opposed to into the infamous Rachel Reeves pocket.
• 4:39
  SPEAKER_00: Yeah, exactly.
• 4:40
  SPEAKER_00: You mentioned it's it's gold bars that you need to put into this, into your pension, into the sit pension.
• 4:45
  SPEAKER_00: Where do you store that?
• 4:46
  SPEAKER_00: Do you take delivery or do you need to store it somewhere?
• 4:48
  SPEAKER_01: Yeah, so it's all kept and vaulted, so it's allocated gold.
• 4:52
  SPEAKER_01: A lot of people have dabbled in unallocated gold, but it's nothing wrong with that.
• 4:56
  SPEAKER_01: Uh, but you know, you own the gold bars, they're in your name, and then when you choose to sell or retire or draw down, they can be cashed out, um, and it can obviously go back into your pension fund.
• 5:06
  SPEAKER_00: Right.
• 5:06
  SPEAKER_00: And when when can you draw down on your pension?
• 5:09
  SPEAKER_00: Is it the same age?
• 5:10
  SPEAKER_00: Is it a different age?
• 5:11
  SPEAKER_01: So with your sips, it's slightly different.
• 5:13
  SPEAKER_01: You can draw down at 55.
• 5:14
  SPEAKER_01: Right.
• 5:15
  SPEAKER_01: That is due to change though, in I believe, April 2028, where it will go up to 57.
• 5:21
  SPEAKER_01: Okay.
• 5:21
  SPEAKER_01: As it stands now, you can draw down at 55 years old.
• 5:24
  SPEAKER_01: Slightly earlier.
• 5:25
  SPEAKER_00: Are there any other major benefits of holding gold in your pension?
• 5:30
  SPEAKER_01: The same as if you were buying gold with money that you were you were looking to get work a little bit harder outside the pension, whether that be money in the banks.
• 5:37
  SPEAKER_01: Just your steady, tangible, safe, capital gains tax-free metal.
• 5:42
  SPEAKER_01: Yeah.
• 5:43
  SPEAKER_01: Gold's averaged 15% year on year per annum.
• 5:46
  SPEAKER_01: So when you compare that to your conventional pension, that's I think uh we read somewhere that your average pension appreciates 2.8% every year.
• 5:55
  SPEAKER_00: Yeah, the low risk ones are can be below two percent sometimes.
• 5:59
  SPEAKER_01: And as we know, um, but some or some of the viewers may or may not know, inflation's much higher than that.
• 6:04
  SPEAKER_01: So every single year you are losing money in your pension, whether you can see that or not.
• 6:10
  SPEAKER_01: I read somewhere that uh the average person now needs nearly a million pounds to retire comfortably inside their pension.
• 6:18
  SPEAKER_00: Yeah, I've heard that too.
• 6:20
  SPEAKER_00: What would you say to people who are hesitant about opening up a SIP and putting gold in it as well?
• 6:25
  SPEAKER_01: Yeah, I say make a comparison.
• 6:27
  SPEAKER_01: Look, gold's never gonna make you a millionaire overnight, that's never what it was designed for.
• 6:32
  SPEAKER_01: And when you set up a SIP, you don't have to transfer your whole pension over, providing you haven't drawn down on it.
• 6:37
  SPEAKER_01: Okay.
• 6:38
  SPEAKER_01: So you can add whatever's comfortable for you, but a lot of people we speak to are either unhappy with their current pension, don't know where it is, or don't know how it's performing.
• 6:48
  SPEAKER_01: And in my eyes, those three points are extremely important when we're talking about our retirement, right?
• 6:53
  SPEAKER_00: Definitely.
• 6:54
  SPEAKER_01: So I'd say have have a look into it, whether it's for you or not, have a look at it.
• 6:58
  SPEAKER_01: Gold's averaged 15% year on year.
• 7:00
  SPEAKER_01: Now, that's not a guarantee for what's going to happen in the future.
• 7:04
  SPEAKER_01: But normally speaking, gold's driven by uncertainty, tensions, inflation, interest rate cuts.
• 7:11
  SPEAKER_01: So it looks very prosperous, and that's why central banks are still buying more gold than ever.
• 7:17
  SPEAKER_01: Yeah.
• 7:17
  SPEAKER_01: And I think as normal people, if we can follow the smart money, hopefully we can we can expect a fairly smart result.
• 7:24
  SPEAKER_00: Definitely.
• 7:25
  SPEAKER_00: So, how long does it take to get set up?
• 7:27
  SPEAKER_01: It's a really, really simple process.
• 7:29
  SPEAKER_01: Now, as I mentioned briefly, we're not a pension provider, so we'd send you a list of pension providers.
• 7:34
  SPEAKER_01: Uh, you can pick one.
• 7:35
  SPEAKER_01: As soon as you're happy with them, we'll send you over a form for them, a form for us, and then we'll handle the paperwork in between, and then you get your sip set up.
• 7:42
  SPEAKER_00: Great.
• 7:42
  SPEAKER_00: Lastly, for people who want to get involved, how do how do they find you?
• 7:47
  SPEAKER_01: Give us a shout.
• 7:48
  SPEAKER_01: Now we can get you out some information which you can have a mull over.
• 7:51
  SPEAKER_01: Any questions, we are here to help you out, whether it's for you or not.
• 7:54
  SPEAKER_01: We can go through it, see if it's a good fit for you.
• 7:57
  SPEAKER_01: No question too big nor too small.
• 7:59
  SPEAKER_01: That's exactly what we're here for, just to look after you.
• 8:02
  SPEAKER_01: Answer any questions, and if it's for you, then by all means we can get it, get it set up and in place for you.
• 8:06
  SPEAKER_00: Brilliant.
• 8:08
  SPEAKER_00: So when you step back and look at the bigger picture, your pension is only as strong as the system it sits within.
• 8:15
  SPEAKER_00: And right now, that system is under increasing pressure.
• 8:20
  SPEAKER_00: From inflation quietly eroding purchasing power to market volatility and rising economic uncertainty, or all three put together, relying on one strategy alone could leave you exposed.
• 8:32
  SPEAKER_00: That's why more people are starting to think differently about protecting their retirement.
• 8:37
  SPEAKER_00: Gold has stood the test of time.
• 8:40
  SPEAKER_00: It has preserved wealth across generations and has historically performed well during periods of uncertainty.
• 8:46
  SPEAKER_00: Of course, there are no guarantees, and nothing moves in a straight line.
• 8:51
  SPEAKER_00: Gold has gone up in 18 of the past 21 years and down in only three.
• 8:57
  SPEAKER_00: But for many, it's not really about chasing returns.
• 9:01
  SPEAKER_00: It's about protection, security, and peace of mind.
• 9:05
  SPEAKER_00: If you would like more information, please do go to guide.directbullion.com to download our guide to tax-free gold.
• 9:13
  SPEAKER_00: It's packed with information you won't find anywhere else.
• 9:16
  SPEAKER_00: Also, please do remember to like and subscribe if you're listening on YouTube, and if you're listening on Spotify or Apple Podcasts, please do follow the show so you never miss an episode.
• 9:26
  SPEAKER_00: As always, leave a question in the comments below and we'll answer it in the next podcast.
• 9:31
  SPEAKER_00: Thank you so much for listening to the Bullion Advantage today.
• 9:34
  SPEAKER_00: Stay informed, stay prepared, and most importantly, stay golden.
• 9:38
  SPEAKER_00: The purchase of gold does not constitute an investment or offer financial returns.
• 9:43
  SPEAKER_00: Gold is considered a store of value and not an investment product.
• 9:47
  SPEAKER_00: Past performance of gold is not indicative of future performance.
• 9:51
  SPEAKER_00: Prices and values of precious metals can fluctuate and are influenced by various market factors.
• 9:56
  SPEAKER_00: Direct bullion does not provide investment or tax advice and recommends that you conduct your own independent research before making any purchasing decisions.