Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk


£42.6bn in seriously underperforming funds - is any of it yours.

£42.6bn in seriously underperforming funds- is any of it yours?

And what can you do about it? The number of seriously underperforming funds has increased by more than a quarter in the last six months according to Bestinvest’s latest Spot the Dog report. These are funds which have underperformed their relevant indices over 3 consecutive12 month periods and by more than 5% over three years. […]

The pension reforms that could cost you £150,000

Yet another very misleading article – this time from the Telegraph. They link the freezing of the tax- free lump sum at £268,275 with the removal of the Lifetime allowance. Nonsense – it was already frozen and most commentators’ did not anticipate an increase. If anything, they were concerned that it could be considerably reduced. […]

Worry is not a good financial strategy

Worry is not a good financial strategy.

With rampant inflation, the Ukrainian war, rising interest rates, and political uncertainty, it is perhaps not surprising that many of us are worrying. It may seem that worrying helps but that is rarely the case. When I was running my previous business there was plenty to be worried about and I would ask my business […]

Pension Planning

Just how dangerous is starting to withdraw from your pension plan without taking advice/guidance?

A recent report confirmed that four out of ten products bought to support withdrawals from pension funds were purchased without professional advice (FCA product sales data). It is inevitable that without advice and guidance many people will make decisions they will live to regret with severe consequences for their ongoing lifestyles. If you do nothing […]


Inheritance Tax payments rise again. What can you do to minimise the tax your family will pay?

IHT receipts rose 14% to £6.1bn in the 2021/2022 tax year, the biggest single-year rise since 2015/16. This is not likely to slow down with the nil rate band not up for review until 2026 and property prices continuing to increase. This is not a subject which it is easy to talk about but it […]

Tax planning for the financial year-end

With only four weeks to go before the end of the tax year, I thought it would be useful to let you have some year-end tax planning thoughts.   Pension planning If you are over 50 and a higher rate tax-payer either with invested capital or an excess of income over expenditure making a one-off […]

HL remove Marlborough UK Micro Cap Fund from the Wealth Shortlist. Our thoughts.

As regular blog readers will be aware most of my clients use Hargreaves Lansdown and have a basic strategy of only investing in funds in their Wealth Shortlist. I accept that HL has not always got it right and made disastrous errors in connection with the Woodford funds but I remain convinced that it is […]

Will inflation destroy your retirement income?

Well perhaps not destroy, but unless you are in the fortunate position of having an index-linked pension from a final salary pension scheme a return to higher inflation could significantly reduce your spending power over the years ahead. UK CPI rose to 2.5% in June with the USA’S inflation figures even higher at 5.4%. Only […]

Who do you trust with your financial planning?

Let’s get one thing clear, it’s your money and your future. No one will take as much interest in it and pay it as much attention as you. So where do you start? If you don’t know what you expect or want your retirement to look like how can you expect anyone to get you […]

Indy Special. Some financial planning tips for your Indy journey

Now that you have joined this community the probability is that you have reached a point where you need to pay attention and take your financial planning seriously, Whether you are making up for lost time or have done well and are wondering whether your investments/pensions will give you the lifestyle you want the situation […]

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