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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Investment

£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. […]

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 […]

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 […]

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 […]

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 […]

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 […]

Pension Pot

How much is it safe to withdraw from your pension pot?

One of the biggest challenges, when the time comes for us to make this decision (age 55 onwards), is the lack of an easy “rule of thumb” to provide guidance. The benchmark most used by advisers is the “4% rule”. That suggests that withdrawals of 4% per annum are, on average, likely to be sustainable […]

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