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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

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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 […]

£500 Cash-back offer – pension transfers. Don’t miss out.

Don’t you hate having to keep track of all those old pension plans? Now is the time to do something about consolidating them into one, modern, online, user-friendly plan. Until 10th January 2021, Hargreaves Lansdown is offering cashback of up to £500 as an incentive to transfer all those old plans to their award-winning Self […]

Don’t you hate the thought of being on a never-ending NHS waiting list?

As much as we love our NHS and their committed staff, it doesn’t look as if it is going to get better any time soon. So, what can be done about it? All is not lost even if you are close to, or in, retirement. This is not my area of expertise so I have […]

Don’t you hate having to keep track of all those old pension plans?

And do you know what charges are being deducted and whether the underlying investments are performing well? Even more annoying is that the adviser who set up the plan many years ago could still be receiving commission which is being deducted from your plan. But it is not all bad news. Since 2017 early exit […]

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