Latest News & Views
A Private OEIC – Your Own Family Investment Fund
A private OEIC (Open Ended Investment Company) could be the solution if you have maxed out the allowances available for tax wrappers such as pensions and ISAs. It is an alternative tax efficient way of investing large sums of wealth for you and your family. What...
Cash ISAs Are Still Worth It
Rock bottom interest rates have led to the returns from cash ISAs being pretty useless. Especially when compared to the returns from stocks and shares ISAs that are invested in global equities. So should you be ignoring cash ISAs? Well, there is a handy little...
Should We Be Ignoring The UK As An Investment?
Surging gas prices, a shortage of food and panic at the petrol stations. If you are following the news closely at the moment you are probably feeling the UK is a gloomy place to be living right now. But what about when it comes to investing, should we be ignoring...
Working And Receiving A Pension
Since April 2011 employees cannot be forced to retire from their job meaning you could still be working and receiving a pension. Working and receiving a pension doesn’t reduce the amount of pension you are entitled to but it can require a bit more tax...
Defined Benefit Pensions and the Lifetime Allowance
The pension Lifetime Allowance was introduced in 2006 and is the total amount you can build up in pensions savings before incurring a tax charge. For defined contribution pensions e.g. personal pensions and auto-enrolment company pensions it is easy to work out the...
The Best Way To Avoid Any Rises In National Insurance Payments
In recent days it has been reported that the government are going to raise National Insurance payments in order to fund social care reform and help clear the NHS backlog. At the time of writing no official announcement has been made and we are not certain on...
Small Caps Or Large Caps
Research has shown that when it comes to investing over the long term, smaller companies (known as small caps) have higher expected returns than larger companies (known as large caps). So, should you be piling into small caps? Well, it’s important you understand...
Where Pension Funds Invest
Understanding where pension funds invest is vitally important, especially when it comes to your own pension, as it allows you to understand what type of risk you are taking. Your pension investment options will depend on the type of pension you have. Getting the...
State Pension Tax
State Pension tax is another form of tax we will all likely face at some point in our retirement. But what is State Pension tax and how much might you pay? In this article we’ll explain what the State Pension is, how it’s taxed and how you can use other pensions to...
What Pension Will I Get?
Knowing the answer to what pension will I get? Is crucial in understanding what sort of lifestyle you will have in retirement. Will your pension produce enough so you will be comfortable with financial security and flexibility or will you just get by? Maybe you will...
Under The Bonnet Of The RTS Investment Strategy
In this article we have a look under the bonnet of our flagship RTS Investment Strategy. The RTS Investment Strategy is the core part of most of our client’s portfolios and is a strategy guided by a hundred years of empirical data, decades of academic research by...
How To Invest When Inflation Rises
As the global economy begins to recover from the impact of Covid-19 it’s inflation rises that are starting to worry investors. Whilst steady moderate inflation is associated with economic growth, rapidly rising inflation could mean the economy overheats. This could...
Ethical Investing
Last week we wrote about how by investing into funds or a shares in a company, you have the power to influence them and this week we take it a step further with ethical investing. There is now so much choice out there in terms of picking investments that fit with...
How Your Investment Can Influence A Company’s Behaviour
We all have beliefs that we care about and a company’s behaviour can often influence our decision on whether to buy from them. Nowadays, because we have so much choice, we can decide where to shop, what to eat, what to wear and where to go on holiday all based...
Are Pension Funds Safe?
Your pension is likely to be one of your most valuable assets and therefore it’s vitally important to ask, are pension funds safe? When I say safe I don’t mean in terms of investment performance risk, I mean, what happens if your pension provider was to go bust? ...
Investing In Covid Times
How should we be investing in Covid times? Has Covid changed how investments work and do you need a new strategy? In this article we will look at what happened during the ‘Covid Stock Market Crash’ and whether the traditional equity/bond investment mix worked. ...
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