问答时间：我应该提前还房贷吗？如果我在线注册，为什么不能在线取消？我可以为我的侄女开设ISA账户吗？

你可以选择向谁提出主张。

You can choose who to claim from.

嗯，我只是想对上周我遇到的一个问题提供一些反馈。

Well, it's just to give some feedback on a question I

上周我遇到了一个问题。

had last week.

你被拉来和我们交谈。

You've been roped in to speak to

我们。

us.

我认为这是一个非常好的问题。

I consider it a very good one.

我一直认为我们应该。

It's something I've long said that we should

也应该这样做。

do as well.

她也一直监督着我们，对吧？

She also keeps us in check, doesn't she?

是的，她确实会监督我们。

She does keep us yes.

位居第一。

Coming in first.

听到成功的故事总是令人愉快的。

And it's always lovely to hear about success.

大家好，欢迎收听这个巧妙命名的《马丁刘易斯播客》。

Hello, and welcome to the cunningly named the MartinLewisPodcast.

我很好奇这期会讲些什么。

I do wonder what that's gonna be about.

这是《问答时间》专场，你可以向我提问任何问题，无论什么话题都行。

And this is the Question Time episode where you get to ask me your questions on absolutely anything and everything.

（在合理范围内）。

Open brackets within reason close brackets.

这周你们的问题是：我有两份旅行保险，该向哪一份索赔？

This week your questions are: I've got two travel insurance policies, which one should I claim on?

当你说到还清所有债务时，是否包括房贷？

When you say pay off all debts, does that include your mortgage?

我能否为我的侄女和侄子开设儿童ISA账户？

Am I allowed to open a junior ISA for my niece and nephew?

有没有法律规定，如果我在线注册了订阅服务，就可以在线取消？

Is there a law that if I sign up for a subscription online, I can cancel it online?

成功了！

Success!

上周关于网络宽带的冷知识问题已经带来了回报。

Last week's Geeky Broadband question has paid dividends.

不是字面意义上的股息，而是省下了更多钱，但你明白我的意思。

Not literal dividends, more money saved, but you get the point.

最后，身高如何影响你走的步数？

And finally, how does height impact the number of steps you get?

播放主题曲。

Play the theme tune.

大家好，欢迎收听本周的《问答时间》播客，在这里你可以问我任何问题，当然，要在合理范围内，括号内也一样。

Hello, and welcome to this week's Question Time podcast where you get to ask me anything and everything, brackets within reason, close brackets.

当然，和往常一样，让我们欢迎这位本人——我们的问题策展人，马修·伯纳姆先生。

And of course, as always, let's welcome the man himself, our curator of questions, mister Matthew Burnham.

刚才本该是掌声的。

That was meant to be clapping then.

哦，原来如此。

Oh, right.

我还以为出什么问题了。

I thought something had gone wrong.

好吧，标题。

Well, titles.

是的。

Yeah.

确实如此。

Did.

是的。

Yeah.

那是我在鼓掌。

It was with me clapping.

我本该

I was meant

原来是表示掌声。

to it was acclamation.

我明白了。

I see.

请说说头衔。

Titles, please.

嗯，我不知道。

Well, I I don't know.

你知道吗，我他妈的根本没法联系你。

You know, we I couldn't fucking call you.

我知道你喜欢教授，马修伯恩爵士，教授教授。

I know you like professor Sir Matthewburn, Professor Professor

我喜欢这个。

I love that.

哦，是博士。

Oh, was Doctor.

马修伯恩爵士教授，但你其实根本没资格拥有这些头衔。

Professor Sir Matthewburn, but you haven't actually earned any of them.

不，我有，但你有。

No, I have But you have

获得了提问策展人头衔。

earned curator of questions.

是的，因为我负责筛选问题。

Yes, because I curate the questions.

现在，我们需要讨论一件之前提到过的事情，别急，我们马上进入正题，大家，我们之前聊到过，我有一个头衔。

Now, something we needed to discuss that we talked about before we get all into this, sorry, we'll get into the proper stuff in a moment, everyone, is we were talking about, I have a title.

是的。

Yes.

你知道的，省钱专家，你也有个头衔。

You know, money saving expert, you have a title.

是的。

Yes.

问题策展人。

Curator of questions.

然后我们还有那些联系并提供问题的杰出人士，他们为这个播客提供了内容，我们非常感激。

And then we have all the brilliant people who get in touch and provide questions, which provides content for this podcast, which we love.

因此，他们也应该拥有一个问题。

They therefore should have a question too.

如果你的问题被播出了。

If you have your question on air.

上周播客结束后，我们和可爱的罗斯一起讨论了这个问题，当时我们就想了一些点子。

Now we discussed that after last week's podcast, when it was us and the wonderful Rosie who's here as well, what that should be and we came up with ideas.

我有个想法，你呢

I have an idea, do you

有想法吗？

have an idea?

我不确定我有没有一个好主意。

I don't know if I have a good idea.

问题就在这儿。

That's the problem.

你先说说你的想法，然后我们再看。

What's your idea first and then we'll see.

所以这是《问答时间》播客。

So this is the Question Time podcast.

是的。

Yeah.

也就是QT。

Which is QT.

所以我觉得我们应该称他们为QT。

So I feel we should call them QTs.

啊，真贴心。

Aw, that's sweet.

是的。

Yeah.

所以任何联系我们的人都叫QT。

So anybody who gets in touch is a QT.

一个QT。

A QT.

我们是拼成QT吗？

And are we spelling it QT?

QT，显然不是C不T，是QT，好吧。

QT, obviously not C Not T I QT, okay.

但QT。

But QT.

而且显然，每次我们使用时，都需要稍微提一下这是QT，以免有人不了解，以为我们做错了。

And obviously, every time we do it, we'll have to make a slight mention that it's QT, so somebody doesn't realize and think that we're, you know, doing it the wrong way.

或者我们可以选择一个更正式的称呼，

Or we could go with something, you know, more formal,

当然可以。

couldn't Yeah.

所以我在想，如果你参加了播客，就会感觉自己是这个俱乐部的一员。

So I was thinking that if you come on the podcast, you feel like you're part of the club.

好的。

Okay.

所以我在想，是内部的，而不是外部的。

So I was thinking inside, not the outside.

是的。

Yeah.

没错。

Exactly.

你知道，你已经和我们聊过了。

You know, you've chatted to us.

你的问题已经由本人亲自解答了，而这个人就是你。

You've got your question answered by the man himself, which is you.

所以，你算是这个俱乐部的成员吗？

So it's like, are you in this this club?

所以我正在想我们该叫它什么。

And so I'm trying to think of what we should call it.

我想把你的名字加进去。

I wanna get your name in it.

所以，比如叫‘马丁的可爱们’？

So so, like, Martin's cuties?

我不确定。

I don't know.

我不确定叫‘马丁的宝贝们’这个名称。

I'm not sure Martin's cuties.

我觉得这会给我惹来各种麻烦。

I think that'll get me all types of trouble.

嗯，差不多就是这个意思。

Know, there's something along those lines.

我希望它能是

I want it to be

有个简单的方法可以解决这个问题。

your There's an easy way to do this.

我们正在谈论他们。

We're talking about them.

所以我们现在是在和他们对话。

So now we are talking to them.

如果你正在收听，并且有好的想法，也许你喜欢‘宝贝们’这个叫法，或者有其他更合适的建议，请通过邮箱 martinlewispodcastbbc dot co dot uk 联系我们，分享你对我们应该如何称呼那些问题被朗读或上节目对话的人的建议。

If you are listening now and you have a good idea, maybe you like cuties, maybe you've got something else that would work, then get in touch at martinlewispodcastbbc dot co dot uk with your ideas for what we should call anyone whose question is either read out or comes on to talk on the podcast.

好了，既然这样，你的第一个问题是什么？

Okay, with that done, what's your first question?

这里有个很棒的问题。

Lovely question here.

我不知道我为什么这么说。

I don't know why I said that.

带来本地广播。

Presenting local radio.

我们收到了一个

We got a

这里有个很棒的问题。

lovely question here.

第一个来的是。

Coming in first.

来自詹姆斯的问题，让我们开始。

Question here from James to start us off.

他通过邮件发来了。

He's emailed it in.

他说：亲爱的马丁和马特，我对这个顺序不太满意。

He says, dear Martin and Matt, which I'm not really happy about the order.

没关系。

That's fine.

非常好。

That's very good.

非常感谢。

That's very grateful.

我作为汇丰银行账户的福利，获得了旅行保险，但我也有一份来自工作单位医疗计划的旅行保险。

I receive travel insurance as part of my HSBC bank account, but I also have travel insurance from a workplace health care plan.

他说：如果我需要索赔，会发生什么？

He says, what happens if I need to make a claim?

我可以自行选择向哪家索赔，还是必须同时通知两家？

Can I choose who to claim from, or do I need to notify both?

他还进一步表示，虽然我还没有提出过索赔，但我希望确保在需要时不会遇到任何问题。

He also then goes on to say, whilst I've not claimed, I want to make sure I don't encounter any issues should I need to.

我用人工智能对比了这两份保单，发现我的银行保单保障更全面，但我无法在不放弃公司医疗福利的情况下退出公司计划吗？

I've used AI to compare both policy documents and my bank policy is more comprehensive, but I don't have the option to opt out of the company plan without declining workplace healthcare?

好的，詹姆斯，这是个很有趣的问题。

Okay, what an interesting question, James.

非常感谢。

Thank you very much.

首先，拥有两份保险完全没有问题，你是完全合规的。

Well, the first thing to say is there's no problem having two policies, you're fine.

有问题的是重复投保。

What would be a problem is double cover.

你不能从中获利，只能收回你的实际费用。

You cannot profit, you can only get your costs back.

所以，比如你在国外发生意外时，不能向两家保险公司都索赔同样的金额。

So you couldn't, for example, have an incident abroad and claim off both the same amount.

所以你实际上是靠这个赚钱。

So you're making money on the back of it.

这属于违规。

That's a breach.

这是第一条规则。

That's the first rule.

第二条规则是，你可以选择向哪家保险公司索赔，但在提出索赔时，必须如实回答，通常他们会问你是否还有其他可能覆盖此情况的保险。

Second rule is you can choose who to claim from, but when you're making that claim, you must answer honestly, and it will usually ask you if you've any other insurance that may cover this.

这是他们的标准问题之一。

That's one of their standard questions.

你还有其他可能覆盖此情况的保单吗？

Do you have any other policies that may cover this?

你应该如实回答‘有’。

And you should tell them yes.

第三条规则是，当你提出索赔时，应选择向提供最佳保障的那家保险公司索赔，我总是会这么选。

Rule three is when you claim at that point, the insurer that you claim from, and I would always be claiming for the one that gives me the best cover.

所以在你的情况下，你应该选择银行的保险，因为它的保障最好。

So in your case, you'd want it to be your bank policy because that's got the best cover.

你提出索赔的保险公司可能会试图向其他保险公司追偿，或者要求你去追偿。

The insurer that you claim from may try and recover the costs from the other insurer or ask you to do so.

所有这些都取决于你具体的旅行保险条款。

And all of that depends on the terms of your particular travel insurance policy.

所以你应该有保障，而且如果只有一份保险，回答‘没有’会更简单，但在你的情况下，你不能只有一份保险，因为你的银行保险本来就提供更好的保障。

So you should be covered and yes, it's simpler to have one so you can answer no, but in your case, you can't only have one because you're getting better cover from your bank policy anyway.

所以如果发生意外，我会选择向我的银行提出索赔。

So I would go, if something happened, I would claim from my bank.

我会如实回答，他们可能会联系另一家保险公司了解其保障范围。

I would answer honestly, they may get in touch with the other insurer about what they cover.

希望他们能一起处理，这样你就不用参与了，但你也可能需要参与，不过大致就是这样运作的。

Hopefully they'll do it together so you don't have to get involved, but you might have to get involved, but that's roughly how it works.

所以是的，如果发生意外，就去向汇丰银行提出索赔。

So yeah, go and claim if it happens from HSBC.

我认为在你的情况下是这样的。

I think it was in your case.

希望这能说清楚。

And I hope that makes sense.

好的。

Okay.

那么，来电者呢？

So caller?

来电者。

Caller.

来电者。

Caller.

这个有点有趣，我想。

This one's a bit funny, I suppose.

不是问题本身，而是这种情况。

Not the question, but the circumstances.

我们把丹叫进来。

We'll we'll bring Dan in.

丹负责线索。

Dan's in leads.

嗨，丹。

Hi, Dan.

嗨。

Hi.

我是马丁。

I'm Martin.

马丁。

Martin.

最近怎么样？

How's it going?

你好，伙计。

Hello, mate.

你好。

Hello.

所以，丹，这是马丁和马特。

So Dan, it's Martin and Matt.

不是，只是‘不’。

Just No.

是马特和马丁。

It's Matt and Martin.

谢谢你能说对顺序。

Thanks for getting it the right way around.

所以，丹，你被拉来和我们谈话了，对吧？

So, Dan, you've been roped in to speak to us, haven't you?

是的。

Yeah.

不过并不是偶然的，因为我也是这个播客的粉丝。

Well, not for real accidentally because I've been a fan of the podcast as well.

哦，很好。

Oh, good.

但，是的，我有幸被安排来提出这个问题。

But, yeah, I've been given given the honor of asking the question.

所以，你的妻子发邮件进来了？

So your your wife emailed in?

是的。

Yeah.

我明白了。

And this is I see.

所以你的妻子发邮件进来了。

So your wife emailed in.

这是她的问题，但你替我们说出来。

It's her question, but you're voicing the question for us.

非常感谢你这么做。

Thank you so much for doing that.

是的。

Yeah.

完美。

Perfect.

那是什么？

What is it?

是的。

Yes.

她问这个问题，是因为她知道你曾经讨论过是否应该在储蓄和投资之前先还清债务。

She's asked because she knows that you've talked about whether you should pay off any debts before like savings and investing.

是的。

Yeah.

但她想知道这是否也适用于按揭贷款。

But she's wondering if this applies to like mortgages.

好的，这是一个很重要的问题。

Okay, that is a big question.

让我们一步一步来。

Let's take this one step at a time.

实际上，关于债务，我的总体建议是，你应该优先偿还高成本的债务，然后再考虑储蓄。

Actually, my general advice about debt is you should always pay off expensive debt before saving.

不过情况会稍微复杂一点，因为你还需要建立应急基金。

Now it does get a little bit more conscientious because you also want to have an emergency fund.

因此，是否偿还债务取决于你所欠债务的性质。

So it depends on the nature of the debt that you should pay off.

应急基金的存在是为了避免你不得不借更多的钱。

An emergency fund is there so you don't have to borrow even more.

信用卡就很简单，因为信用卡是一种循环借贷系统。

So credit cards are quite simple because credit cards are an open ending system of borrowing.

所以如果你想想，如果你的信用卡欠了1000英镑，而你的储蓄里也有1000英镑，那么信用卡的利率是20%。

So if you think about it, if you've got a thousand pounds on a credit card, and you've got a thousand pounds in savings, the credit card is costing you 20%.

而你的储蓄只带来4%的收益。

The savings are gaining you 4%.

如果你用储蓄来还清信用卡，就能节省16%的利息。

You gain 16% if you use the savings to pay off the credit card.

而信用卡的好处是，一旦你还清了，它就可以保持零余额状态。

And the advantage with the credit card is once you pay the credit card off, it can sit there at a zero balance.

如果你突然遇到紧急情况，而此时你没有储蓄，你可以重新刷信用卡借款，这样你不会变得更糟，但 meanwhile 已经省下了利息。

And if you have an emergency because you now don't have any savings, you could just borrow back on the credit card and you'd be in no worse position, but you would have saved the interest meanwhile.

贷款的情况则不太一样，因为你无法像信用卡那样轻松地再次借款。

It doesn't quite work the same way with a loan because you don't have the borrow back ability in the same way.

所以这需要一点思考，但总体原则是先还清高利率的债务。

So there's a little bit of thinking, but the general rule is you pay off expensive debts.

我们来谈谈房贷。

Let's move to mortgages.

好的。

Okay.

关于房贷，通常的规则是这样的。

With a mortgage, the rule of thumb is this.

如果房贷利率高于你储蓄所能获得的税后收益率，比如说你的房贷利率是6%，而储蓄收益只有4%，那么通常情况下，提前偿还房贷会更有利，前提是确保额外还款用于减少本金，从而有效缩短你还贷的总时间。

If the mortgage rate is higher than the after tax rate you can earn on savings, so let's say you've got a 6% mortgage, you can earn 4% in savings, then you are generally better to overpay the mortgage, making sure the payments go towards reducing your capital, which will effectively reduce the amount of time you have left to pay on the mortgage.

提前还款并不是仅仅降低每月还款额，那样并不会节省利息，因为还款期限被拉长了，利息还是照常计算。

They don't just reduce your monthly payments, then you don't make an interest saving because they're just spreading it out over a long period.

如果储蓄收益率高于房贷利率，那么你可能更适合把钱存起来，但有几个需要注意的地方。

If the savings rate is higher than the mortgage rate, then you are probably better off to save with a couple of caveats.

首先，我会去使用一个房贷提前还款计算器，因为如果两者利率非常接近，通常提前还房贷会更划算，这是因为利息计算方式存在一些复杂性。

First of all, I'd go onto a mortgage overpayment calculator because if it's very close between the two, generally overpaying your mortgage will win because of the vagaries of the way interest is worked out.

此外，如果你减少了房贷债务，而你当前的贷款占房产价值的比例较高，那么降低贷款金额会降低贷款与房产价值比率，这可能让你在再融资时获得更低的利率。

But also if you reduce the amount of your mortgage debt, if you've got quite a high proportion of borrowing to your house's value, if you reduce the amount of your mortgage's debt, you reduce the loan to value, which could mean you might be able to get a cheaper mortgage when it comes to remortgaging.

所以这也是值得考虑的一个因素。

So that's worth thinking about too.

提前偿还房贷有两个主要注意事项：首先，我始终建议保留一笔应急现金储备，因为如果你把钱都用于提前还贷，突然遇到紧急情况无法继续还款时，银行不会说：‘哦，你之前多还了，那现在不用还了。’

The two big caveats to overpaying your mortgage are, first of all, I would always have an emergency fund in liquid cash, because if you overpay your mortgage and suddenly something happens that you can't pay it anymore, not gonna start the bank going, Oh, you've overpaid, so don't worry about paying us now.

他们依然会把你列为逾期还款。

They're still gonna put you in arrears.

其次，你需要确认是否存在提前还款罚金。

And second, you need to check that there aren't any overpayment penalties.

有些抵押贷款如果提前还款会收取罚金，但一般来说，大多数抵押贷款允许你每年提前偿还最多10%的未偿余额而不产生任何罚金，但在提前还款前一定要确认这一点。

So there are some mortgages which will have penalties if you try and overpay, but in general, on most mortgages, you can pay off up to 10% of your outstanding balance each year without any penalties, but you should always check that before you do overpay.

我们进行得怎么样？

So how are we doing?

这就是债务和抵押贷款的内容。

That's debt and mortgages.

因为我们现在用的是桑坦德银行，利率是4.26%。

Because we're with Santander at the minute and it's four point sorry, 4.26% interest.

所以你正好处在那个临界点上。

So you're in that fine line.

你知道你的贷款价值比（LTV）是多少吗？或者大致上，你还了很多贷款了吗？还是刚贷款不久，因此债务还很高？

Do you know what your LTV is or roughly, have you paid a lot of your mortgage off or are you relatively new and therefore have a big debt on it?

是的，贷款时间还比较短。

Yeah, it's relatively new.

我们差不多有

We got like

于是我问了丹他的房子值多少钱，因为我想知道这个数字，才能判断是否因为LTV的原因值得提前还款。

I then asked Dan how much his house was worth because I needed to know that to understand whether it's worth overpaying for LTV reasons.

他给了我一个答案，我们不会在节目中播出，但本质上，因为他借的钱不到房屋价值的60%，所以他不太可能通过降低贷款价值比获得收益，因为只有当你借款超过房屋价值的60%时，才会获得这种收益。

He gave me an answer, which we're not gonna put on air, but effectively as he's borrowing less than 60% of his home's value, he probably won't get a gain from reducing his loan to value, because you only get that if you're borrowing over 60% of your house's value.

因此，这在他决策中并不是一个关键因素。

Therefore, that isn't really a factor in his decision.

那么在这种情况下，你可能也得不到多少LTV方面的收益。

Well, in that case, you're probably not gonna get much LTV gain.

贷款价值比的收益是针对那些借款超过房屋价值60%的人的。

The gain on loan to value is for people who are borrowing over 60% of their house's value.

所以你不属于这一类。

So you're not in that category.

所以我觉得这纯粹就是一笔财务上的乱账。

So I think it's really just a piece of financial mess.

现在你可以建立应急基金，找到储蓄方式，比如有些储蓄利率能达到4.5%，但如果你存入的金额较大，就会被征税，实际收益会降低。

Now you could find, certainly have an emergency fund and you could find that savings, you know, there are savings at 4.5%, but if you're putting a substantial amount away, that will be taxed, that reduces it.

所以你可能希望把钱放在现金ISA里。

So you might want to have your money in a cash ISA.

如果你有闲钱，也可以考虑投资，这需要找到一个很好的平衡点。

You might also want to think about investing if you've got spare cash, can It's do quite well a fine balance.

我希望这些信息能给你一些启动的思路。

I hope that gives you a little bit of a clue to where to start though.

是的，这确实给了我一个明确的方向去查看。

Yeah, it's definitely give me a direction to have a look at.

对，非常感谢。

So yeah, appreciate that.

非常感谢你。

Thank you so much.

谢谢你打电话来，丹，也代我向你妻子问好，我知道她没法打电话。

Thank you for calling, Dan, and send out best to your wife as well because she couldn't call, I know.

是的

Yeah,

我非常感谢。

I appreciate that.

那么就这样了。

So there we go.

我认为这给出了一个相对简单的总结。

I think that gives a relatively simple summary.

如果是高息债务，能还清就尽快还清，同时确保你有应急基金。

If it's expensive debts, get rid of them if you can, just make sure you've got the emergency fund.

如果是房贷，如果房贷利率与你税后储蓄收益大致相同或更高，那么提前偿还房贷通常会更划算。

If it's a mortgage, if the mortgage rate is roughly the same or higher than you can earn after tax in savings, you will tend to be better off overpaying the mortgage.

同样，只要你有应急基金——我定义为三到六个月的账单开支，你就可以决定是准备三个月还是六个月的额度。

Again, as long as you've an fund, which I define as three to six months worth of bills, you can make your decision whether you want three or six months worth of bills.

并且要确保提前还款是用于偿还本金，且没有罚金。

And do make sure that that counts towards paying off the capital and there aren't any penalties.

而且也值得考虑一下，是否想投入一点现金，为你的长期未来做准备。

And it's worth thinking too about whether you'd like to invest a little bit of cash too to build for your long term future.

只要你把钱存起来，至少五年内不需要动用，并且分散投资，这种做法通常会比储蓄收益更高，有时甚至可能超过提前还房贷。

As long as you're putting money away for at least five years that you don't need to access in a broad spread of investments, that will probably outperform saving and may in some cases outperform paying off your mortgage too.

当然，这是股票投资，所以表现可能好也可能不好。

Although of course it's shares, so it can do well and not so well.

好的，这就是关于偿还债务的部分。

Okay, so that was paying off your debts.

马特，你接下来有什么问题想问我吗？

What's your next question for me, please, Matt?

我收到一个来自斯科特的问题。

Got one from Scott.

他发邮件到了 MartinLewisPodcast@bbc.co.uk。

He's emailed it into MartinLewisPodcast@bbc.co.uk.

问题很简短，但我相信你能展开很多内容。

Very short question, but I'm sure there's a lot you can talk about.

你好，马丁和团队。

Hi, Martin and team.

我的意思是，我和你。

I mean, me and you.

我很乐意。

I'd love to.

我想。

I'd to.

抱歉。

Sorry.

对不起，罗斯。

Sorry, Rosie.

所以，罗斯，对于不了解的人，罗斯和我一起工作。

So Rosie, for those who don't know, Rosie works with me.

她是我的研究员，非常聪明。

She is a researcher with me and is brilliantly clever.

她就坐在我旁边，充当我的第二双耳朵。

And she sits alongside me to be the pair of ears.

因为有时候你在做广播时，说出口的话并不是你大脑本来想说的内容。

Because sometimes when you do broadcasting, the thing that comes out of your mouth is not the thing that your brain was meant to say.

她有时会说：‘你刚才说了那个。’

That she will sometimes go, You just said that.

我会说：‘是吗？’

I'm like, Did I?

事情就是这样。

That's what happens.

所以是的，团队没问题，马特。

So yeah, team is fine, Matt.

团队，她还一直监督着我们

Team, she also keeps us

对吧？

in check, doesn't she?

她确实会提醒我们，对吧

She does keep us in So

斯科特的问题，我想为我的侄女和侄子开设一个ISA账户，我可以吗？

Scott's question, I'd like to support my nieces and nephew by opening an ISA, can I do it?

好吧，斯科特叔叔，

Well, Uncle Scott,

老实说，答案是不行。

no is the honest answer.

我猜你指的是儿童ISA，这是一种免税储蓄或投资账户，每年最多可存入9000英镑，但孩子必须年满18岁才能取出账户资金。

I presume you're talking about a junior ISA, which is a tax free savings account you can put, or investment account you can put up to £9,000 a tax year in, but the child can't then access the account until they're 18.

所以这笔钱在他们18岁之前是锁定的。

So it is a locked away until the eighteenth birthday.

到了18岁生日那天，这笔钱就完全属于他们了。

And then on the eighteenth birthday, it is totally their money.

但作为叔叔，你是不能代为开设的。

But you as an uncle can't do it.

通常情况下，只有拥有孩子监护权或父母身份的人才能为孩子开设ISA账户。

It generally has to be the person who has the guardianship or the parentship of the child to be able to open their ISA.

所以你必须通过他们来办理。

So you will have to do it through them.

另外，作为一个普遍情况，我经常被问到关于现金型儿童ISA的问题。

And just as a general note, I tend to almost always get questions about cash junior ISAs.

我认为，儿童ISA是那种如果你可能的话，一定要尽量专注于投资的领域。

I think junior ISAs are one of those areas where you really, really want to always be focusing if you possibly can on investing.

同样，始终要投资于广泛分散的资产，结合指数基金这类产品。

Again, always investing in a broad spread of assets, with combination of tracker funds and that type of thing.

原因很简单，你通常要把这笔钱锁定长达十八年，期间无法取出。

And the reason for that simple, you're generally locking money away for up to eighteen years that cannot be accessed.

投资的基本原则是，如果你要锁定资金超过五年，而且普通人在拥有应急基金、没有高息债务的情况下（希望孩子也不会有），就应该选择投资而非储蓄，因为从概率上讲，投资的回报会更高。

And the rule of investing is if you're locking money away for more than five years, and for general people, if you've got an emergency fund and haven't got any high debts, which hopefully children won't, then you should look at investing over savings because on a balance of probabilities, will outperform.

而儿童ISA正好处于这个理想区间。

Well, a junior ISA is in that sweet spot.

这完全处于理想区间，钱被长期锁定，而你本来就不需要动用它，因为你根本无法提取。因此，我不知道你原本打算选哪种，因为你刚才问的是ISA，你可能在考虑股票ISA，但顺便说一下，这两种你其实都可以同时拥有。如果你觉得没必要走得太远，觉得那样对你来说负担太大，你可以一部分钱放现金ISA，一部分放股票ISA，这样操作也是可行的。

It's absolutely in the sweet spot, money locked away for a long time that you don't need by definition, because you can't access And therefore, I don't know what you were going for because you just asked about an ISA, you could well be thinking about a shares ISA, but you can have both by the way, if you don't want to go too far and you think that's a bit much for you, you could put some in a cash ISA and some in a shares ISA, and it could work that way.

所以我会建议你从这个角度考虑，但你不能自己操作。

So I'd be having a think about that way, but you can't do it.

你得跟父母谈谈，斯科特叔叔。

You're gonna need to talk to the parents, Uncle Scott.

在你回答这个问题的时候，马丁，我顺便做了一些搜索，找了一些名字。

Whilst you're answering that question, Martin, I did a little search to come up with some names.

当然，我一直在听。

Of course, was listening.

我可以一心多用。

I can multitask.

好的。

Okay.

我做不到。

I can't.

干得好。

Well done.

你呢？

You?

我确实做不到。

I definitely can't.

我想到了几个点子，其中一个我真的很觉得

And it came up with a couple of ideas, and one of them, which I really thought

这是给俱乐部的。

was This is for the club.

这是你的俱乐部。

This is your club.

这是给俱乐部的。

This is for the club.

是的。

Yeah.

QTs的替代方案。

Alternatives to QTs.

所以，与其称它们为QTs，我们可以说它们是节俭同盟的成员。

So instead of calling them QTs, we could say they're part of the frugal fellowship.

嗯，这很有《指环王》的感觉。

Well, it's very Lord of the Rings.

我知道，但挺有趣的。

I know, but it's funny.

确实如此。

It is.

确实如此。

It is.

但我就要走了。

But I'm I'm just gonna go.

明白吗？

Okay?

这个播客实际上并不是关于节俭的。

It this this pod isn't actually about frugality.

不是。

No.

确实不是。

It's not.

对吧？

Right?

你知道，当我总是谈论财务改造时，我会说它有两个步骤。

You know, the frugality is so when I always talk about money makeovers, I talk about there are two steps to it.

第一步是检查你所有花钱的地方，看看是否能以更低的价格获得同样的东西？

The first step is to go through everything that you spend money on and see, can I get the same and pay less for it?

如果在那之后你仍然支出超过收入，或者超过你的收入水平，那就开始削减开支。

If at that point you're still spending more than you earn or more than your income, then you start cutting back.

那就是节俭。

And that's frugality.

对我来说，节俭是第二部分，而不是第一部分。

Frugality is the second part for me, not the first part.

实际上，我们收到的大多数问题都关于第一部分。

And actually most of the questions we get are about the first part.

它们是关于理财和产品的。

They're about money management and products.

所以虽然节俭的戒指之类的东西，是节俭同好会。

So while the frugality of the rings or whatever it was Frugal fellowship.

节俭的节俭同好会。

Frugal the frugal fellowship.

弗罗多。

Frodo.

我漂亮吗？

Am I pretty?

虽然我觉得这听起来不错，也很押头韵。

While while I think that's nice and it sounds nice, it's good alliteration.

别以为这样就够了。

Don't think it cuts it.

那财务互助小组呢？

What about finance fellowship?

是的。

Yeah.

不。

No.

好吧。

Okay.

你知道吗？

You know what?

我们会继续思考，我敢肯定有听众比我们更有创意，他们的想法会让我们大吃一惊。

We'll keep thinking about I'm sure someone listening And is much more creative than it will blow us out the water.

这就是AI的问题，你知道的。

That's the problem with AI, know.