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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Savings

Pension Pot

How much is it safe to withdraw from your pension pot?

One of the biggest challenges, when the time comes for us to make this decision (age 55 onwards), is the lack of an easy “rule of thumb” to provide guidance. The benchmark most used by advisers is the “4% rule”. That suggests that withdrawals of 4% per annum are, on average, likely to be sustainable […]

Scary investment times – again.

At the time of writing this the FTSE 100 Index is back below 6000, Covid-19 cases are rising and more redundancies seem inevitable regardless of help from the Chancellor. So, what do I think you should do? There are some basic principles which have stood the test of time for both me and my clients […]

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 […]

Financial advice fees too expensive and unfair.

Recent research by wealth manager Bancroft Wealth found that most investors pay more than they need to for advice and that fees based on a percentage of funds under management are unfair. Only 12% of investors feel that percentage-based fees are the fairest way to charge for advice and yet that is the fee model […]

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Summer Economic Update. Good news but who is going to pay for it?

Taxing the much loved 25% pension commencement lump sum may well be in the Chancellor’s sights. Job schemes, stamp changes, VAT reductions – all good news about spending and stimulus but how is it going to be paid for?  Let’s enjoy our moment in the sun but make sure we are well prepared when the […]

Introducing the Hargreaves Lansdown Wealth Shortlist

The new Wealth Shortlist builds on the previous Wealth 50 list with more funds, increased transparency and improved fund updates. This change was essential after the debacle of leaving the Woodford Funds on the Wealth 150 list long after they should have been removed. All of the evidence is that Hargreaves Lansdown has learned the […]

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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 […]

Brilliant May

Brilliant May but what does June have in store.

Wall to wall sunshine, Covid-19 cases falling, lockdown easing, world stock markets posting a good recovery, live sport returning. No wonder we are all feeling better. So why do I feel so nervous about what June has in store? World stock markets have been incredibly resilient over the last couple of months with the USA […]

Unclaimed pension pots

£19.4 billion unclaimed pension pots. Is any of it yours?

  Yet another reason why reviewing your pension arrangements should be close to the top of your “to-do” list. But where do you start? Only 9% of UK adults use a Financial Adviser. Finding one prepared to help if you only have modest funds is virtually impossible and your pension provider will probably not be […]

Lloyds Customers beware

Lloyds customers beware the new Schroder’s financial planning offer.

During my 30 years as a financial planner, the High Street Banks had many a foray into financial planning only to withdraw and try again. This latest Lloyds Bank/Schroders venture doesn’t look to be any better. They claim to be able to undercut the fees charged by St. James Place but still come up with […]

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