RCLOGO-3
   

Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

ISAs

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 […]

Wealth Shortlist

Hargreaves Lansdown. Wealth Shortlist – Update

When the Wealth 50 list was replaced by the Wealth Shortlist approx 20 new funds were introduced. Many of those were in Sectors not popular with my clients but some of the new funds are worthy of serious consideration. In some cases, my research indicates that the new fund(s) may be a better alternative to […]

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 […]

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 […]

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 […]

Sign up to my mailing list

×
Fearless Retirement

Register to be in with a chance of receiving one of 25 complimentary copies of my book “Fearless Retirement

×

Need more information?

Use the form below to contact me and I’ll get back to you as soon as possible.

    Your Name (required)

    Your Email (required)

    Your telephone number:

    Subject

    Any particular problems/ issues?

    ×
    Read my featured articles on money success here;
    article-1
    article-2
    article-3
    ×