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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

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Some investment thoughts in scary times

In the 30 years plus I have been providing investment advice/guidance we’ve hit the highs, slogged through the lows, entered the internet age, and seen an explosion of knowledge and information about investing. Here are 4 things I’ve noticed which  I think are worth thinking about: Human behaviour is still human The traits that help […]

Budget News: The Pensions Great Escape

After Philip Hammond described pension tax relief as “eye-wateringly expensive” at an IMF meeting last month most commentators were fearing the worst and expecting significant cuts in pension tax relief but that did not happen. Instead the lifetime allowance (the level of pension fund you can have without incurring tax penalties) was increased to £1,055,000, […]

Brexit: are you thinking of selling your equity funds/shares?

If so you are certainly not alone. At the moment we are all fighting against millions of years of evolution. Our brains are hardwired to look for and spot danger and then to take immediate action. The grey matter will also tune in to anything which will support the need to take avoiding action from […]

Most popular ISA funds in August

Every month Hargreaves Lansdown publish a list of the most popular funds used by their clients for ISA accounts. I find it fascinating reading but it always leaves me with more questions than answers. Following the crowd has never been the most effective investment strategy but it does show how people are thinking. I don’t […]

£33.6 billion in underperforming funds – is any of it yours?

Since I last wrote about Best Invest’s landmark publication “Spot the Dog” (identifying underperforming funds) the amount of money in those seriously underperforming funds has risen from £17.6 billion to today’s £33.6 billion. That’s not just a blip in performance. It is underperformance for at least three consecutive years and it could be your money. […]

Pensions tax relief under threat… again?

Yes, I know I have said that pension tax relief is under threat a number of times in the past and been wrong… However a recent announcement in the House of Lords revealed that the Government is set to take a close look at the current pension tax relief system. This could well be beneficial […]

7 ways to prepare your portfolio for Brexit

That was the title of a recent article from Hargreaves Lansdown. All good common sense and worth a read. The danger is that this looks like one of those times when one hasty decision could wipe out all the benefits derived from a well thought out, monitored and reviewed investment portfolio. To quote from one […]

Pension providers destroy retirement lifestyles – again

If you are retired or within 5 years of retirement this is about you. One of the findings of a recent report from the Financial Conduct Authority was that people with pension plans could be receiving up to 37% more retirement income if they had been given the right guidance/advice about their investment choices pre […]

Why is there a big gap between investor and investment returns?

All of the evidence is that the returns achieved by the average investor are well behind the returns provided by the average investment fund. The problem is that many people spend a lifetime trying to find the best investment and then blow it completely by making one big mistake at the wrong time. Even with […]

Are you one of the 45% of the self-employed with no pensions savings?

How sad is that? Millions of hard working, creative people heading towards retirement with the prospect of having to work forever. Are you one of them? This not scaremongering from a pension provider but hard fact from The Office of National Statistics Feb 2018. Statistics for small business owners are not available but I would […]

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