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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Blog

Lindsell Train Funds – time to sell?

Let’s get something right up front. I am not a regulated financial adviser and nothing I say should be treated as personal advice. If you have been fortunate enough to hold the Lindsell Train funds over the last few years you will have benefited from some stellar performance. But is that about to change? Read […]

Which ISA is right for you?

Since the ISA was first introduced in 1999 not only has the maximum annual contribution increased from £7,000 to a very significant £20,000 but there are now a number of different versions. A recent article from Hargreaves Lansdown sets this out in some detail and is well worth a read. In my experience Cash ISAs […]

What should you do when a fund is removed from the Wealth 50 list?

The TM Sanditon European Fund, which was recently removed from the Wealth 50 list, was in my ISA account and held by a handful of clients, all of whom I have already contacted. However, I thought this would be a good opportunity to run through the support I can provide and the actions clients have been […]

Why do women make better investors than men?

Recent research from Hargreaves Lansdown shows that women have generated an estimated annual return nearly 15% higher than their male peers over the five years to 30th Sept 2019. Women are also less likely to lose money on their investments than men. So why is this? My experience largely mirrors Hargreaves Lansdown’s research. HIGHER RISK […]

IHT Gifting: making the most of the exemptions

One of the greatest joys of being a parent or grandparent is helping out children and grandchildren financially, whilst reducing potential inheritance tax bills. Unfortunately this is not as simple as it should be and there are many pitfalls to avoid. Getting guidance/advice is also not straightforward. Legal fees are expensive as is advice from […]

Five million savers at risk of pension scams

The FCA and Pensions Regulator have warned that 5 million savers could be at risk of pension scams. They also conclude that those who consider themselves smart or financially savvy are just as likely to fall foul of the scammers as anyone else. Offers of high returns in investments such as overseas property, renewable energy, bonds, […]

Pension or ISA: Which is best for you?

Both pensions and ISAs are very tax efficient and the answer for most investors is both, but for different reasons and at different times. The first issue is time. Pension savings cannot be accessed until age 55, whereas ISA savings can be accessed at any time. ISAs are fine for savings which are aimed at […]

Brexit – are you thinking about selling your investments?

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 […]

There’s considerable potential for using pensions to maximise inheritances or reduce IHT

Not many people realise that a pension can be a more efficient asset to pass on as an inheritance than property or other savings. Even if you have made a will recently the chances of your solicitor giving real guidance on how to use a pension fund to maximise inheritances are very slim. After all […]

Plan your retirement on your terms

Are you going to get the best outcome from the pension funds you have worked so hard to build up or will a lack of knowledge or guidance mean that you are missing out on some very valuable planning opportunities? With people no longer choosing to retire at a single point of time the pension […]

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