The Pension Confident Podcast

With the kids back at school, is now the time to start saving or investing for their future? Join our host, Philippa Lamb, and Maike Currie, VP Personal Finance at PensionBee, as they break down the key differences between a Junior ISA and a Junior SIPP, how each is taxed, and which one might be right for your family.
 
Episode breakdown
00:51 Junior ISAs and Junior SIPPs at a glance
02:29 How Junior ISAs and Junior SIPPs are taxed
06:07 Cash Junior ISA versus Stocks and Shares Junior ISA
08:04 How to decide between a Junior ISA or Junior SIPP
 
Further reading, listening, and watching
To learn more about saving for children, check out these articles, podcasts and videos from PensionBee:
Episode transcript (Blog)
E8: How to teach kids about money (Podcast)
E28: The Bank of Mum and Dad - what's the impact on your pension? (Podcast)
E42: Should you pay for your kids to go to university? (Podcast)
5 tax allowances to make your savings and investments more tax-efficient in 2026/27 (Blog)
7 of the best ways of giving money to grandchildren (Blog)
Buying a property: the basics - PensionBee's Milestone Moments (Video)
How to diversify your pension investments (Blog)
How to make your child a millionaire (Blog)
What is a Junior ISA? (Article)
What is compounding? (Article)
Should I pay into a pension or an ISA? (Article)
 
Other useful resources
Junior Individual Savings Accounts (ISA) (GOV.UK)
Junior pensions: what is a junior SIPP and how does it work? (Unbiased)
 
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
 
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.

We're over halfway through Series 5, and it's already covered a lot of ground: whether marriage makes financial sense, what to do if you're 50 years old with nothing saved for retirement, how to stop lifestyle creep swallowing your pay rise, and plenty more.
So our Host, Philippa Lamb, pulled Series Producer, Lucy Greenwell, out from behind the glass to argue over their favourite moments from the 33 guests who've joined the podcast so far this year.
 
Episode breakdown
01:42 Best episode for first-time listeners
04:20 Most surprising number
08:16 Funniest episode
10:40 Best money tip
13:44 Most shocking moment
 
Catch up on all of Series 5 of The Pension Confident Podcast today!
 
Explainer Episodes
Bonus episode: What does the 2026/27 tax year mean for your finances? With Maike Currie
Bonus episode: How much can you contribute into your pension each year? With Maike Currie
Bonus episode: Should you buy Premium Bonds or save into a Cash ISA? With Maike Currie
Bonus episode: How does market volatility shape your pension pot? With Maike Currie
 
Customer Episodes
Bonus episode: "I stopped paying into my pension for 20 years" With Rachael Oku and PensionBee customer, Tara-Jane
Bonus episode: "I work as a handyman to top up my pension income" With Rachael Oku and PensionBee customer, Tony
Bonus episode: "I switched my pension so it complies with my faith" With Rachael Oku and PensionBee customer, Sanna
Bonus episode: "A life-changing diagnosis refocused me on my beneficiaries" With Dani Skerrett and PensionBee customer, David
Bonus episode: "As soon as I left that job, the pension stopped" With Dani Skerrett and PensionBee customer, Becca
Bonus episode: "I've often said that I retired when nobody wanted me anymore" With Dani Skerrett and PensionBee customer, Nigel
Bonus episode: "I put my money where my mouth is" With Veronica Morozova and PensionBee customer, Sally
Bonus episode: "There's no point being the richest person in the graveyard" With Veronica Morozova and PensionBee customer, Andy
 
Full Episodes
E46: How to bounce back from redundancy with Jimmy McLoughlin OBE, Eleanor Mills, and Emma Ferenc-Bachelor
E47: The 'Singles Tax' - how much is it costing you? With Bobby Seagull MBE, Emma Barnes, and Valentina Adaldo
E48: Are you ready for the 'great wealth transfer'? With Niaz Azad, Annaliese Barber, and Dan Stean
E49: Can you still make money as a Buy-to-Let landlord? With Anna Pearce and Michael Annis
E50: Starting a pension from £0 at 50 years old with Hannah Martin, Simonne Gnessen and Sarah Durber
E51: How to resist lifestyle creep with Clare Seal, Edoardo Moreni, and Alex Langley
E52: Is it worth getting married? With Mike Donkor, Philippa Dolan, and Jasper Martens
 
And there's plenty more where that came from. We'll be back in September with three new episodes:
7 September - Bonus episode: Should you save into a Junior ISA or a Junior SIPP? With Maike Currie

17 September - Bonus episode: "Discussing money is a taboo subject" With Dani Skerrett and PensionBee customer, Joumana

27 September - E53: What might be missing from your investment portfolio? With Gabriel Nussbaum, Davinia Tomlinson, and Matt Batsman

You don't want to miss it! So make sure you're subscribed to The Pension Confident Podcast today and catch every episode as soon as it airs.
 
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
 
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.

In this bonus episode, we hear from PensionBee customer Andy as he shares his pension story. From two decades living and working abroad and untangling the dormant pensions he left behind, to returning to the UK and working out what "enough" really means when you're planning around a Multiple Sclerosis (MS) diagnosis.
We unpack Andy's pension journey with pensions expert Veronica Morozova from PensionBee, covering:
why finding and consolidating old pensions matters, especially after working overseas;
what 'QROPS' is, and how time spent abroad affects your State Pension;
the tax benefits of paying into a pension through your own limited company; and
how to plan for a range of retirement scenarios, including future care costs.
 
Episode breakdown
00:51 Meet Andy
04:12 Consolidating pensions and working abroad
08:13 Tax relief and self-employment
11:31 Planning for an uncertain future
 
Further reading and listening
To learn more about the topics discussed in this bonus episode, check out these articles and podcasts from PensionBee:
Episode transcript (Blog)
E15: How can we achieve financial inclusion? (Podcast)
How to transfer an overseas pension to the UK (Article)
Markets and tariffs: what's going on and what it means (Blog)
Overseas pension transfers (Article)
Pension tax relief and the tapered annual allowance for high earners (Article)
The lump sum allowance, lump sum death benefit allowance, and overseas transfer allowance (Article)
What happens to my pension if I move abroad? (Article)
What is the State Pension? (Article)
 
Other useful resources
Check the recognised overseas pension schemes notification list (GOV.UK)
Check your State Pension forecast (GOV.UK)
Pension Tracing Service (GOV.UK)
When the council might pay for your care (NHS)
 
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
 
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.

It's time for your Series Five rewind and sneak peek at what's coming up on The Pension Confident Podcast.
If you missed an episode, don't worry, you can catch up on every single episode so far wherever you get your podcasts:
E46: How to bounce back from redundancy
E47: The 'Singles Tax' - how much is it costing you?
E48: Are you ready for the 'great wealth transfer'?
E49: Can you still make money as a Buy-to-Let landlord?
E50: Starting a pension from £0 at 50 years old
E51: How to resist lifestyle creep
E52: Is it worth getting married?
And there's plenty more where that came from. Later this month, Series Producer Lucy Greenwell joins our Host Philippa Lamb to pick out the best bits from our Series 5 guests (so far).
Then, coming up in September: What might be missing from your investment portfolio? We'll be joined by:
Content Creator 'That Money Guy', Gabriel Nussbaum;
Founder and CEO of rainchq, Davinia Tomlinson; and
Senior Investment Content Manager at PensionBee, Matt Batsman.
You can read the episode transcript here. 
 
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
 
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.

For the first time ever, fewer than half of UK adults are married or in a civil partnership, yet the law hasn't caught up with how many of us now live together instead. So, legally and financially, is it still worth getting married?
Join our host, Philippa Lamb, and our expert panel as they discuss whether marriage still pays off financially and legally, and what unmarried couples need to put in place instead:
Financial Planner, Mike Donkor;
Solicitor and Partner at Collyer Bristow, Philippa Dolan; and
Chief Marketing Officer at PensionBee, Jasper Martens.
 
Episode breakdown
01:18 Why marriage rates are falling
05:44 The financial perks of marriage
09:04 When unmarried couples split
12:41 Avoiding the money conversation
16:20 How are pensions shared
19:28 Who gets the pets?
21:15 Protecting your partner with a will
24:22 Cohabitation Agreements and annual reviews
28:48 A fairer end to relationships
 
Further reading and listening
To learn more about managing money in a couple, check out these articles and podcasts from PensionBee:
Episode transcript (Blog)
E14: What's the impact of your relationship status on your finances? (Podcast)
E35: The cost of divorce (Podcast)
How does divorce or remarrying affect your pension? (Article)
Pension beneficiaries (Article)
Six money conversations you need to have with your family (Blog)
Why pensions deserve your attention during divorce (Blog)
Writing a will (Article)

 
Other useful resources
A fairer end to relationships: consultation (GOV.UK)
Capital Gains Tax allowances (GOV.UK)
Cohabitation Agreement guidance (The Law Society)
Families and households in the UK (Office for National Statistics)
Inheritance Tax (GOV.UK)
Marriage Allowance (GOV.UK)
 
Catch up on the latest news, read our transcripts or watch on YouTube:
The Pension Confident Podcast
The Pension Confident Podcast on YouTube
Follow PensionBee (@PensionBee) on TikTok, YouTube, Instagram, LinkedIn, Facebook, X and Threads.
Follow Collyer Bristow (@Collyer_Bristow) on YouTube, Instagram, LinkedIn, Facebook and X.
Follow Mike Donkor (@michaelgdonkor) on TikTok, Instagram, LinkedIn and Facebook.
 
Enjoying the podcast? Tell us what you think below and give us a review or rating. As always we'd love to hear your suggestions and feedback. Send us an email: podcast@pensionbee.com.