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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

ISAs

Which ISA is right for you?

Since the ISA was first introduced in 1999 not only has the maximum annual contribution increased from £7,000 to a very significant £20,000 but there are now a number of different versions. A recent article from Hargreaves Lansdown sets this out in some detail and is well worth a read. In my experience Cash ISAs […]

Pension or ISA: Which is best for you?

Both pensions and ISAs are very tax efficient and the answer for most investors is both, but for different reasons and at different times. The first issue is time. Pension savings cannot be accessed until age 55, whereas ISA savings can be accessed at any time. ISAs are fine for savings which are aimed at […]

Junior ISAs gaining in popularity

Are your children/grandchildren missing out? There are very good reasons why almost 15% more plans were subscribed to in 2017/2018 than the previous year. With interest rates remaining low the traditional way of opening a Building Society account to save for a child is unlikely to produce anything like the returns available from an ISA […]

ISA. Too much hassle or essential action?

With only a couple of weeks to go now is the time to decide whether you are going to contribute to a 2018/2019 ISA. Time and time again I am told it is just too much hassle for very little benefit. If you look at just one year in isolation I may agree but, long […]

Most popular ISA funds in August

Every month Hargreaves Lansdown publish a list of the most popular funds used by their clients for ISA accounts. I find it fascinating reading but it always leaves me with more questions than answers. Following the crowd has never been the most effective investment strategy but it does show how people are thinking. I don’t […]

Inheritance Tax – time to take another look

Few people know that death taxes have been with us since 1694. They certainly are not going to go away any time soon so not having a plan makes no sense at all. It is often said that there are only two certainties in life – death and taxes. It is when they both turn […]

The changing face of ISA retirement income

What a difference five years makes… Five years ago, the average Cash ISA offered a comparatively attractive rate of 2.52%. This has fallen to just 0.33% and looks unlikely to rise any time soon. In contrast, the FTSE All Share Index currently offers a return of 3.62% (variable) and has provided a rising income. What […]

ISA or Pension – is there a right answer?

For most people, pension plans are still the right way to save for retirement. With up to 45% tax relief they offer one of the most tax efficient ways to save for later life. If an employer contribution is available that’s even better, so make sure you don’t miss out. What we all need in retirement […]

ISA or Pension – which will you choose?

“A third of retirement savers plan to rely on ISAs for the bulk of their retirement income rather than Pension Plans” – this is the surprising conclusion of recent research from MetLife. That both worries and scares me. An ISA is a great savings account but boy do you need some discipline if the funds are still going […]

CF Woodford Income Focus Fund – Launch Offer 11th April

Firstly a disclosure. I have been a supporter of Neil Woodford’s funds going back as far as 1988 and I currently hold his Equity Income Fund in both my Pension Drawdown account and my ISA account. He has built a well-deserved reputation as one of the UK’s finest fund managers with a track record of […]

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