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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Featured

Introducing the Hargreaves Lansdown Wealth Shortlist

The new Wealth Shortlist builds on the previous Wealth 50 list with more funds, increased transparency and improved fund updates. This change was essential after the debacle of leaving the Woodford Funds on the Wealth 150 list long after they should have been removed. All of the evidence is that Hargreaves Lansdown has learned the […]

Are you ready to rethink your retirement plans?

The Coronavirus pandemic has forced a widespread rethink of retirement plans according to an Aegon survey, particularly for the over 55 age group, the self- employed, and those already drawing from their pension funds. The Pension Freedoms introduced in 2015 have really come into their own with 20% of those over 55 dipping into or […]

Pocket money app image

Pocket Money Apps – what are they and which is the best?

For many families, it now seems old fashioned to hand over some shiny coins to your child each week to be deposited into a piggy bank. These days many parents have turned to apps to pay their children pocket money and keep track of where they are spending it. In the UK the most popular […]

Lloyds Pension Transfer

Special Report – Lloyds Bank Pension transfers

Over the last couple of years, I have been very privileged to guide a number of  Lloyds Bank employees and past employees through the minefield of organising a transfer out of the final salary pension scheme into a personal pension plan. The size of the transfers has been from around £200,000 to well over £1million. […]

Pension transfers

Final salary pension transfers – October deadline?

For many people, the transfer value of their final salary pension benefits will exceed the value of their house. No wonder therefore that, despite all the barriers to transfer erected by the Financial Conduct Authority, there remains considerable demand for transfer guidance/advice. New guidance from the FCA which comes into force in Oct will make […]

Brilliant May

Brilliant May but what does June have in store.

Wall to wall sunshine, Covid-19 cases falling, lockdown easing, world stock markets posting a good recovery, live sport returning. No wonder we are all feeling better. So why do I feel so nervous about what June has in store? World stock markets have been incredibly resilient over the last couple of months with the USA […]

Short term trading - just for fun

Short term trading – Just for fun

Regular readers of my blog will know that I am a supporter of medium/long term investing, building a diversified portfolio, and not being influenced by today’s events. You may, therefore, be surprised to learn that over the past few months I have enjoyed seeing if I can make some money from the extreme stock-market volatility. […]

Unclaimed pension pots

£19.4 billion unclaimed pension pots. Is any of it yours?

  Yet another reason why reviewing your pension arrangements should be close to the top of your “to-do” list. But where do you start? Only 9% of UK adults use a Financial Adviser. Finding one prepared to help if you only have modest funds is virtually impossible and your pension provider will probably not be […]

Lloyds Customers beware

Lloyds customers beware the new Schroder’s financial planning offer.

During my 30 years as a financial planner, the High Street Banks had many a foray into financial planning only to withdraw and try again. This latest Lloyds Bank/Schroders venture doesn’t look to be any better. They claim to be able to undercut the fees charged by St. James Place but still come up with […]

Stock- market recovery? Don’t bank on it.

At the time of writing this the FTSE 100 Index is back above 6000, a gain of over 20% from the March 23rd low, with the Dow Jones recording an even better recovery. So why am I concerned and feel the need to sound some notes of caution? I have over 30 years of experience […]

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