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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

News

Up to one million savers could lose valuable pension tax reliefs

This could be you if you are over 55 and have taken benefits from any of your pension plans If you are over age 55, accessing money from one or more of your pension plans looks to be dead easy on the face of it. The problem is that if you take more than the […]

Hargreaves Lansdown ditch Wealth 150 list

In a move which can only be for their own benefit Hargreaves Lansdown have ditched the Wealth 150 list and moved to a shorter Wealth 50 list of funds all of which provide fee discounts to HL clients. Whilst those discounts are welcome – and many were already available – they in no way compensate […]

Scary investment times

Are you scared that your hard earned investment/pension funds are on a slippery slope to disaster? If so you are not alone. Even after being involved in investment markets for more than 35 years I am finding the current situation very uncomfortable, particularly as the bulk of my income now comes from the investments I […]

How much money are your old pension plans costing you?

It is some time since I last covered the topic of how useless old pension plans can be. A report earlier this year showed that £33.6 billion of our money was allocated to under-performing plans. £33.6 billion in underperforming funds – is any of it yours?   Not only that but charges were much higher […]

Some investment thoughts in scary times

In the 30 years plus I have been providing investment advice/guidance we’ve hit the highs, slogged through the lows, entered the internet age, and seen an explosion of knowledge and information about investing. Here are 4 things I’ve noticed which  I think are worth thinking about: Human behaviour is still human The traits that help […]

Budget News: The Pensions Great Escape

After Philip Hammond described pension tax relief as “eye-wateringly expensive” at an IMF meeting last month most commentators were fearing the worst and expecting significant cuts in pension tax relief but that did not happen. Instead the lifetime allowance (the level of pension fund you can have without incurring tax penalties) was increased to £1,055,000, […]

Brexit: are you thinking of selling your equity funds/shares?

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 […]

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 […]

£33.6 billion in underperforming funds – is any of it yours?

Since I last wrote about Best Invest’s landmark publication “Spot the Dog” (identifying underperforming funds) the amount of money in those seriously underperforming funds has risen from £17.6 billion to today’s £33.6 billion. That’s not just a blip in performance. It is underperformance for at least three consecutive years and it could be your money. […]

Pensions tax relief under threat… again?

Yes, I know I have said that pension tax relief is under threat a number of times in the past and been wrong… However a recent announcement in the House of Lords revealed that the Government is set to take a close look at the current pension tax relief system. This could well be beneficial […]

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