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News

Five million savers at risk of pension scams

The FCA and Pensions Regulator have warned that 5 million savers could be at risk of pension scams. They also conclude that those who consider themselves smart or financially savvy are just as likely to fall foul of the scammers as anyone else. Offers of high returns in investments such as overseas property, renewable energy, bonds, […]

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 […]

Brexit – are you thinking about selling your investments?

If so you are certainly not alone. At the moment we are all fighting against millions of years of evolution. Our brains are hardwired to look for and spot danger and then to take immediate action. The grey matter will also tune in to anything which will support the need to take avoiding action from […]

There’s considerable potential for using pensions to maximise inheritances or reduce IHT

Not many people realise that a pension can be a more efficient asset to pass on as an inheritance than property or other savings. Even if you have made a will recently the chances of your solicitor giving real guidance on how to use a pension fund to maximise inheritances are very slim. After all […]

Plan your retirement on your terms

Are you going to get the best outcome from the pension funds you have worked so hard to build up or will a lack of knowledge or guidance mean that you are missing out on some very valuable planning opportunities? With people no longer choosing to retire at a single point of time the pension […]

Smiths Industries Pension Scheme: Time for action

If you remained in the Smith’s Pension Scheme at the time of the GE takeover all the evidence is that you made a very sound decision. Smiths take their pension responsibilities very seriously and over recent years have been de-risking the Scheme by insuring around £1.6 billion of the scheme’s liabilities for pensions in payment. […]

HMRC investigates IHT in a quarter of estates

More than 5,000 inheritance tax investigations are opened by HMRC each year representing about 25% of all estates that pay IHT. Inheritance tax is infamous for not only being disliked, but complex and at times deeply unfair. On top of that there is a one in four chance that, when your executors complete the IHT […]

Final Salary Transfer boom far from over but what does it mean for you?

Britain’s “final salary” pension transfer boom is far from over, as new figures reveal savers pulled their money from twice as many pensions in the last financial year. More than 200,000 pension transfers occurred in 2018-19, up from 100,000 the year before. They were also worth much more, totalling £34bn, two-and-a-half times greater than the […]

Lindsell Train Funds: Real problems or Hargreaves Lansdown over-reaction?

Hargreaves Lansdown have announced that two Lindsell Train funds will be removed from their Wealth 50 list of favourite funds. Over-reaction is my conclusion. But why? This all comes back to the Woodford debacle and criticism of Hargreaves Lansdown for keeping his funds in their Wealth 150/50 lists for far too long. It has been […]

Is Financial Advice too expensive?

A recent survey found that nearly 6 million extra people would be prepared to pay for financial advice if it cost less. The question I would have asked is whether the cost of using a regulated financial adviser is value for money compared to using one of the user friendly, online, no advice, platforms such […]

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