# QA47 - Listener Questions, Episode 47 Page: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/qa47-listener-questions-episode-47 Text version: https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/qa47-listener-questions-episode-47.md Podcast: [The Meaningful Money Personal Finance Podcast](https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980) Published: 2026-04-29T05:00:00+00:00 Episode link: https://meaningfulmoney.tv/QA47 Audio file: https://traffic.libsyn.com/secure/meaningfulmoney/MMP619_-_QA47.mp3?dest-id=119595 Processing state: not_requested JSON: https://stenobird.com/v1/public/podcasts/the-meaningful-money-personal-finance-podcast-1082980/episodes/qa47-listener-questions-episode-47 Duration seconds: 2522 ## Resource Time for another Q&A episode where Roger & Pete answer questions on retirement planning, passing assets to children. SIPP vs ISA and much more! Shownotes: https://meaningfulmoney.tv/QA47 01:42 Question 1 Hi Pete, Roger, and Nick, Thank you for the podcast - I've been listening for a while but fell behind and just binged about 15 Q&A episodes over the last fortnight! There's nothing like listening to the podcast to get me fired up about my finances! I have a question about the upcoming change to minimum retirement age, and a question about how to use my SIPP versus S&S ISA post-55/57. I was born in February 1972 and so by my reckoning should be ok to access my SIPP at 55. However, I heard somewhere that access could be removed at the date the law changes, because I wouldn't be 57 by that date. Can you shed any light please? It doesn't make sense to me to grant access then take it away. The reason I'm asking is because I'm thinking that in the next year I should favour putting money into my SIPP for the tax relief instead of into my S&S ISA, since I can access it within a short time anyway if I really needed to. Once I'm 55, does it still make sense to put money in the ISA at all, given the SIPP will continue to have tax relief so long as I'm working? All the best and looking forward to the videos coming out! Chris 07:04 Question 2 Hi Pete & Rodger, My wife & I are both aged 55 & I plan to retire aged 60 possibly a little earlier my wife isn't sure exactly when she will stop at the moment. I currently have a work place Scottish Widows default pension lifestyle turned off £225,000 I pay in 31%, company pays in 4%, salary sacrifice I then occasionally move funds to my 100% equities SIPP low cost global index fund £442000. My wife has a small DB pension and… ## Actions - request_transcript: `POST https://stenobird.com/v1/public/podcasts/the-meaningful-money-personal-finance-podcast-1082980/episodes/qa47-listener-questions-episode-47/transcription-requests` — Idempotently request low-priority transcript generation for this episode. - read_markdown: `GET https://stenobird.com/podcast/the-meaningful-money-personal-finance-podcast-1082980/qa47-listener-questions-episode-47.md` — Read the agent-friendly Markdown representation of this episode resource. A page view does not enqueue transcription. Agents should invoke `request_transcript` explicitly when they need this episode processed. ## Transcript Full transcripts are not published on public pages unless there is a clear rights basis.