Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk


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 […]

£1,000,000 cash or £30,000 per year. Which would you choose?

If you have benefits in a final salary pension scheme from a previous employment or are within a few years of your planned retirement that is a decision you will make (with your own relevant numbers) either by default or by having fully researched the alternatives. In the last year I have helped many clients […]

Will pension transfer values fall significantly?

Transfers out of final salary pension schemes have soared over the last couple of years largely on the back of sky high transfer values. Is that about to end? I spotted something last week which certainly got my attention and yet seems to have been missed by most of the press. Tesco, when announcing their annual results, […]

Inheritance Tax – time to take another look

Few people know that death taxes have been with us since 1694. They certainly are not going to go away any time soon so not having a plan makes no sense at all. It is often said that there are only two certainties in life – death and taxes. It is when they both turn […]

Year End Tax Planning

Don’t miss out on great tax planning opportunities because of past bad pension experiences. The 19th March 2018 was the fourth anniversary of the Budget which announced the unexpected and welcome introduction of the “pension freedoms” which have turned the pension world upside down and produced so many tax planning possibilities. Unfortunately prior to that […]

Wipe out your entire higher rate tax bill for 2017/2018 – do you qualify?

It will only take a brief telephone call to find out. This is not tax avoidance. It is well within HMRC rules and perfectly legal. Unfortunately it is not for everyone. For this to work you should be:- Aged between 55 and 75 Paying higher rate tax on earned income or dividends from your business […]

Are you taking enough risks to meet your pension goals?

The answer will depend on how you define “risk”. Unfortunately the financial services industry is fixated on the extent of volatility as a way of defining and measuring risk. In my view the fact that equity type investments (both individual shares and funds) will fluctuate both upwards and downwards is not a risk; it is […]

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