Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Retirement planning

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 […]

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 […]

BBC Reality Check – Are pensions on the brink?

3 million pension savers have only a 50% chance of receiving the pension payouts they have been promised. 3,710 pension schemes in deficit. Just two of the shocking statistics from this, must read BBC Reality Check. If you still have benefits in an ex-employers final salary pension scheme you really should read this report. The question […]

More pensions at risk. Will you act before it is too late?

Construction firm Carillion has gone bust with an eye-watering pension deficit of £590 million. That’s a lot of money. What a disaster for their thousands of past employees who could have taken large transfers to their own personal pension and either didn’t know they could or chose not to. Are there lessons to be learnt? […]

Will you be happy in retirement? Check out this new research

Which would make you happier? A lump sum of £1.4 million to play with or a secure income of £50,000 a year? New research from the USA suggests that people with a secure income stream are happy and those relying on investment returns are worried. “No surprises there” you may say. But why then are […]

Hargreaves Lansdown keep faith in Neil Woodford

Should I stick with Neil Woodford’s funds? That is the #1 subject on which my clients are currently asking for guidance. Only time will tell but the fact is that his funds have significantly out-performed the market in the long term, notwithstanding two previous periods of under  performance. All active investment managers will under-perform from […]

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