No such thing as a ‘no risk’ pension
When looking at options for funding your retirement, it’s important to understand that your pension pot will be invested – and as with all investments, your capital is at risk.
Investments
How to track down a lost pension or investment
It’s now common for people to have multiple pensions. Finding details of lost pensions or investments can mean digging out paperwork from the attic, the basement or working out who to call.
Why are some people cashing in final salary pension schemes?
In recent years final salary pension schemes have been phased out by employers because people are living for longer and the uncrystallised liabilities are wreaking havoc with corporate balance sheets. Robert Blumberger explains why this is happening and sounds a cautionary note for those attracted to the idea of transferring.
What does the Woodford fund tell us about self-select funds?
It’s just a guess, but we imagine there are not that many fund managers who the general public have heard of. With the exception of Neil Woodford – and those who had not heard of him before have certainly heard of him now after weeks of media coverage on his fund’s struggles. There are many [...]
Investing; the ups, downs, and time in the market
It can be tempting to look at cash when the markets are volatile, but in the context of long-term re...
What is a trust?
A trust is a method of managing assets, and are commonly used for estate planning, minimising tax pa...
Alternative investment strategies for your portfolio
A first-hand account from Jasmit Bahia, about how recent changes have affected his BTL portfolio.
Is Buy-to-Let on the way out?
Analysis of the changes upsetting the BTL market from property specialists, John Charcol.
Have you had a letter from HMRC?
You may have exceeded your Personal Savings Allowance. New rules mean that 95% of taxpayers should n...
What is the value of financial advice? £40,000 apparently
According to the ILC, people who take financial advice are on average £40,000 better off than those...