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Call Richard Cook: 07770 575 122

email: richard@theinvestmentandretirementcoach.co.uk

Savings

HL remove Marlborough UK Micro Cap Fund from the Wealth Shortlist. Our thoughts.

As regular blog readers will be aware most of my clients use Hargreaves Lansdown and have a basic strategy of only investing in funds in their Wealth Shortlist. I accept that HL has not always got it right and made disastrous errors in connection with the Woodford funds but I remain convinced that it is […]

Will inflation destroy your retirement income?

Well perhaps not destroy, but unless you are in the fortunate position of having an index-linked pension from a final salary pension scheme a return to higher inflation could significantly reduce your spending power over the years ahead. UK CPI rose to 2.5% in June with the USA’S inflation figures even higher at 5.4%. Only […]

Dividend payments recovering well.

This is good news particularly for clients in retirement (drawdown) who have chosen to listen to my guidance and whose primary investment strategy is to invest in dividend-focused funds to support all, or a significant part of, their income withdrawals. One of the early consequences of the pandemic was the cancellation or reduction of dividends […]

Higher rate pensions tax relief survives the budget- but for how long?

In a pre-budget announcement MPs called on the Government to overhaul the “entire approach to pension tax relief”. They are concerned that the current system unfairly incentivises higher rate taxpayers. They say:- “Now is surely the time to address the imbalance of benefits and tax breaks available to the wealthy, whilst ensuring the poorer pensioners […]

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 […]

Threadneedle European Select Fund – Update

Hargreaves Lansdown issued an update on this fund on 14th Dec. https://www.hl.co.uk/funds/research-and-news/fund-news–and–alerts/threadneedle-european-select-december-2020-fund-update  There is a change in the management structure which HL refer to as “disappointing”. Having said that the fund remains on the Wealth Shortlist and the new management team is both experienced and well resourced. There are four European Funds on the Wealth […]

Coronavirus- five huge pension mistakes to avoid

Are you thinking that your pension plan may provide a solution to temporary financial problems caused by Coronavirus? You may be right but there are some huge mistakes to be avoided and it may be worthwhile taking some advice/guidance before taking action. 5 Huge Mistakes To Avoid. 1. If you are over 55 most pension […]

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 […]

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