Back in the 80s, my Mother who is a retired Doctor, naively agreed, without properly understanding and under duress, to have her NHS Final Salary Pension transferred to a non-final salary pension by a Financial Adviser, she was in her 40s at the time. Today this would have been deemed unsuitable at the onset because
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Aggregator sites – why it is important to do your research.
If you are looking for financial advice and you are using the internet to find your adviser, you are of course, not alone.. Consumer perception currently seems to be that most people will be able to find, not only the most qualified and experienced financial advisors, but, ALL financial advisers on aggregator websites. This is not
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Should I consolidate my pensions?
The value of pensions and investments can fall as well as rise. You may get back less than you invested. Transferring out of a Final Salary scheme is unlikely to be in the best interests of most people. The end of the tax year is traditionally the time of the year when pension holders lookread more
Should I consolidate my pensions?Global Outlook and Financial Investment Advice in 2016
The value of investments and the income they produce can fall as well as rise. Many of us are thinking about financial investment advice as we approach the end of 2015 so I thought that now would be a good time to reflect on this year and to begin to think about the year ahead.read more
Global Outlook and Financial Investment Advice in 2016Is the Eurozone recovery sustainable?
The value of investments and the income they produce can fall as well as rise. Recently the ECB, Mario Draghi, cut the benchmark interest rate to 0.05%. This is good news for the markets in the short term. Why though has Mr Draghi cut the ECB rate when we are supposed to be in the processread more
Is the Eurozone recovery sustainable?6 key investment tips
The value of investments and the income they produce can fall as well as rise. Investing consistently well is a tricky business and we all aspire to do this but with varying degrees of success. Knowing when to invest can have material consequences on how your investment will perform, even for longer term Investments. Theread more
6 key investment tipsHow the Russia-Ukraine conflict might affect your investments
The value of investments and the income they produce can fall as well as rise. This blog looks at the Russia-Ukraine conflict and how this might affect the global markets and global economy. Background Ukraine has a long history. Interestingly one of its most famous exports was and is the classical musician, Trikovsky. Ukraine firstread more
How the Russia-Ukraine conflict might affect your investmentsThe pension drawdown arrangement
The value of investments and the income they produce can fall as well as rise. 60%+ of people who come to me with enquires about pensions are between 45 and 65 years of age. They are often still working and plan to keep on working until they reach the age of 65 for one reasonread more
The pension drawdown arrangementActively managed funds vs. tracker funds: Chalk and cheese?
The value of investments and the income they produce can fall as well as rise. Tax planning is not regulated by the Financial Conduct Authority. I remember one of the professors at my post grad school saying that, ‘if you take a sample of say 10 people from the street and asked them to pick say 30read more
Actively managed funds vs. tracker funds: Chalk and cheese?