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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

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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 […]

Dividend payments recovering well.

This is good news particularly for clients in retirement (drawdown) who have chosen to listen to my guidance and whose primary investment strategy is to invest in dividend-focused funds to support all, or a significant part of, their income withdrawals. One of the early consequences of the pandemic was the cancellation or reduction of dividends […]

Higher rate pensions tax relief survives the budget- but for how long?

In a pre-budget announcement MPs called on the Government to overhaul the “entire approach to pension tax relief”. They are concerned that the current system unfairly incentivises higher rate taxpayers. They say:- “Now is surely the time to address the imbalance of benefits and tax breaks available to the wealthy, whilst ensuring the poorer pensioners […]

Wipe out your entire tax liability for 2020/2021? Find out if you qualify.

Let’s cut straight to the chase. This is not for everyone. It is only worth exploring further if you can answer “YES” to ALL of the following questions: Do you pay higher rate tax on earned income? Are you age 50 or over? Do you already have medium-term investments/savings? Do you expect to revert to […]

Quarter of women waive pension rights on divorce

That is just not right – but what can be done about it? Divorce is such an emotional time and people have so much to think about that they just can’t focus on pensions or for that matter other financial issues. Legal advice is already expensive and adding financial adviser fees to the mix is […]

Threadneedle European Select Fund – Update

Hargreaves Lansdown issued an update on this fund on 14th Dec. https://www.hl.co.uk/funds/research-and-news/fund-news–and–alerts/threadneedle-european-select-december-2020-fund-update  There is a change in the management structure which HL refer to as “disappointing”. Having said that the fund remains on the Wealth Shortlist and the new management team is both experienced and well resourced. There are four European Funds on the Wealth […]

6 Tips to keep your pension planning on point for 2021

New Year Resolutions? What better time to have a look at your pension planning and see how well you are doing particularly after all the 2020 Covid issues?  Give yourself a mark out of 10 on each of the following points. 7 or more and you are doing ok but could still improve. Less than 7 […]

Coronavirus- five huge pension mistakes to avoid

Are you thinking that your pension plan may provide a solution to temporary financial problems caused by Coronavirus? You may be right but there are some huge mistakes to be avoided and it may be worthwhile taking some advice/guidance before taking action. 5 Huge Mistakes To Avoid. 1. If you are over 55 most pension […]

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