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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 […]

Woodford UK Equity Income Fund: Update 25/06/19

Dealing on this fund was suspended for an initial 28 days on 23/06/19 but I would not be at all surprised to see the suspension extended beyond the initial 28 days. In the last month things have gone from bad to worse for Woodford. Not only did Hargreaves Lansdown remove his funds from the Wealth […]

Is any of the £3.7bn trapped in the Woodford UK Equity Income Fund your money?

If so, just how did that happen? The writing has been on the wall for some time. I sold out of my Woodford funds in Nov 2018. Probably later than than ideal but nevertheless a good decision as his fund has under performed the FTSE 100 Index by about 18% since I switched. And I […]

Another nail in Woodford’s coffin

My apologies for banging on about this if you have already sold your Woodford funds but an article in this weekend’s Times indicates just how tough he is finding things. They reported that he has dumped his entire stake in one of the UK’s most promising science companies. The suggestion was that the holding was […]

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 […]

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