Latest News & Views
Bitcoin And Cryptocurrency
So Bitcoin and cryptocurrency more generally. There has been a lot written about it in recent times which in itself tells you something (more on that later) but if you haven’t already, should you be considering investing in it? After all, the price of one...
Focusing On Income Not Capital In Retirement
I read a great article recently from US Financial Adviser Michael Lynch where he talks about how people spend more time worrying about the fluctuations of their investments rather than the income generated from them. As he rightly points out, we live on income, not...
Inheritance Tax On ISAs
Many people believe that an ISA is free of all taxes but unfortunately your estate may still pay Inheritance Tax on ISAs when you die. Along with pensions, ISAs can play a fundamental part of producing a sustainable income in retirement. But unlike pensions, the...
Retirement Spending And Long Term Care
When planning for retirement and calculating your sustainable income in retirement, the future implications of long term care can be a worry. Do you save some of your capital to cover long term care costs in the future at the expense of a reduced income in...
What A New US President Means For Your Investments
Former US President Bill Clinton once said…. “It may be disappointing, but I think it is neither prudent nor appropriate for any president to comment on the hour-by-hour or the day-by-day movements of the market.” Clearly former President Trump didn’t agree and...
Defined Benefit Transfer Values Hit Record Highs
If you are someone that is considering transferring your defined benefit pension to a personal defined contribution pension then you may be interested to know that recently, defined benefit transfer values hit record highs. According to the XPS Transfer Value Index,...
The Scandal Of High Cost Tracker Funds
Recent research from Money Marketing has shown that some investors are paying way over the top for high cost tracker funds. In fact the three highest charging UK tracker funds have over £1.5 billion invested in them and investors are paying over £12 million more in...
New Year Financial Priorities
The start of a new year is a great time to sit down, take stock and consider your new year financial priorities. It’s always a good idea to plan. It provides motivation and improves performance. The start of the year is a great time to do this as you will hopefully...
No Deal Brexit Impact On Your Investments
It’s hard to avoid it if you watch the news at the moment so I thought I would discuss the potential no deal Brexit impact on your investments. First things first, as I write this after the Sunday 13th December 2020 ‘deadline’, talks are still on going. It is by no...
3 Ways To Assess The Investment Risk You Should be Taking
As I have said many times before, investment risk and reward go hand in hand. The greater return and more money you want to make, the higher the risk you need to take. Looking at this another way, the more investment risk you take, there’s the chance your potential...
Weekly Financial Update – 03.12.2020
https://www.youtube.com/watch?v=ZUz7EHiFlrs&t=48s Risk warning: Stock market linked investments and any income from them, can fall as well as rise and is not guaranteed. Any figures quoted are for illustrative purposes and should not be taken as a forecast or...
Why It’s Best To Retire At The End Of The Tax Year
If you’re thinking of retiring, knowing which month of the year it is best to retire in can actually save you a lot of money. Not only that, it can ensure your retirement portfolio is well positioned to maximise your retirement income going forward. 5 reasons why...
Weekly Financial Update – 26.11.2020
https://www.youtube.com/watch?v=Rkms8GG1Djg Risk warning: Stock market linked investments and any income from them, can fall as well as rise and is not guaranteed. Any figures quoted are for illustrative purposes and should not be taken as a forecast or guarantee....
Finding A Lost Pension
Could you possibly have a lost pension lurking somewhere in the financial wilderness? Research from the Pensions Policy Institute has estimated that there could be as many as 1.6 million lost pension pots, with a potential combined value of £19.4 billion. This...
Cashing In Your Pension
Do you have a current or old private pension and have you wondered when you could be cashing in your pension? Most people will naturally consider taking their workplace pension at the point they retire from work. But a private pension is a bit different. It’s a...
Weekly Financial Update – 19.11.2020
https://www.youtube.com/watch?v=LrRIhZ9U2pE Risk warning: Stock market linked investments and any income from them, can fall as well as rise and is not guaranteed. Any figures quoted are for illustrative purposes and should not be taken as a forecast or guarantee....
Awards
Memberships
Supporting
