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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Featured

Is any of the £3.7bn trapped in the Woodford UK Equity Income Fund your money?

If so, just how did that happen? The writing has been on the wall for some time. I sold out of my Woodford funds in Nov 2018. Probably later than than ideal but nevertheless a good decision as his fund has under performed the FTSE 100 Index by about 18% since I switched. And I […]

Another nail in Woodford’s coffin

My apologies for banging on about this if you have already sold your Woodford funds but an article in this weekend’s Times indicates just how tough he is finding things. They reported that he has dumped his entire stake in one of the UK’s most promising science companies. The suggestion was that the holding was […]

Junior ISAs gaining in popularity

Are your children/grandchildren missing out? There are very good reasons why almost 15% more plans were subscribed to in 2017/2018 than the previous year. With interest rates remaining low the traditional way of opening a Building Society account to save for a child is unlikely to produce anything like the returns available from an ISA […]

Do Hargreaves Lansdown have Woodford in a headlock?

Just who is running the LF Woodford Equity Income Fund? The latest investment report from Hargreaves Lansdown discloses significant changes in the investment strategy/processes. The proportion of the fund invested in unlisted stocks will be reduced significantly by the end of 2019 and removed entirely in future. But that change has only occurred following “encouragement” […]

IHT tax receipts hit record breaking £5.4 bn

These latest figures were published by HMRC just last week. Since 2009/10 receipts have increased both in terms of annual revenue and as a proportion of GDP. My view is that this is just plain wrong. Families who have worked hard and paid their taxes throughout their lives should not be penalised just because they […]

Would you like to be £8,000 better off courtesy of HMRC?

If you are a higher rate tax payer aged over 55 read on. If not unfortunately this is not for you. This is not theory. It is exactly what one Hargreaves Lansdown client achieved just before the end of the tax year. She was aged 57 and would have paid higher rate tax on about […]

ISA. Too much hassle or essential action?

With only a couple of weeks to go now is the time to decide whether you are going to contribute to a 2018/2019 ISA. Time and time again I am told it is just too much hassle for very little benefit. If you look at just one year in isolation I may agree but, long […]

Up to one million savers could lose valuable pension tax reliefs

This could be you if you are over 55 and have taken benefits from any of your pension plans If you are over age 55, accessing money from one or more of your pension plans looks to be dead easy on the face of it. The problem is that if you take more than the […]

Hargreaves Lansdown ditch Wealth 150 list

In a move which can only be for their own benefit Hargreaves Lansdown have ditched the Wealth 150 list and moved to a shorter Wealth 50 list of funds all of which provide fee discounts to HL clients. Whilst those discounts are welcome – and many were already available – they in no way compensate […]

Scary investment times

Are you scared that your hard earned investment/pension funds are on a slippery slope to disaster? If so you are not alone. Even after being involved in investment markets for more than 35 years I am finding the current situation very uncomfortable, particularly as the bulk of my income now comes from the investments I […]

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