Speak to an adviser
0116 253 5600

Risk Management

Estimating Investment Risk

People are generally very bad at estimating risk and deciding whether they should be concerned or not when given a statistic. As illustrations, please think about the chances of winning the National Lottery Lotto draw and chances of being struck by lightning. In the weekly Lotto draw, your chances of winning the jackpot are 1 in 45 Million; to win…

Read More

Handling the Bull and the Bear

Investors always get very jittery as markets change from being described as “bull” to “bear” and historically have made some very poor decisions by acting in haste. A good investment portfolio, with a wide spread of diversified investments may well wobble a little, but should retain the majority of its value. For clarity, a bull market is a rising market,…

Read More

Investment is a Risk Business

The press has been busy over the weekend with articles about professional footballers and their more unusual investment and losses. Some of these accusations have spilled into the specialist financial media, as there have been comments over the commissions or fees taken on some of these transactions. From the mainstream press, here are some examples: http://bit.ly/1RI6EnU http://ind.pn/1MjrwhD http://dailym.ai/1PK72TN From the…

Read More

Pension Income Choices: Defined Benefit Schemes

The last article covered the pension income choices offered by defined contribution, (also know as money purchase schemes), which embraces all of the choices offered by Pension Freedoms for April this year. For a defined benefit, (or final salary), scheme there is a clear and almost brutal dichotomy – which can be summed up as “take it or move it”…

Read More

Victim of Financial Fraud: Tough!

One thing the Pension Freedom changes have brought out of the woodwork is fraudsters; suddenly there is a significant number of people with cheques for tens of thousand of Pounds and no clear idea of what to do with it. They generally do not have a relationship with a regulated financial adviser and have no history of paying for financial…

Read More

Are you scammable or scamproof?

According to the Association of British Insurers, (ABI), some £1.8Billion has been released in the last few months following the pension changes known as Pension Freedom. (http://www.expressandstar.com/business/uk-money/2015/07/14/1-8bn-withdrawn-amid-new-pension-cash-freedoms/). The Pensions Regulator, (TPR), is very worried about the opportunity presented to fraudsters by Pension Freedoms as it has potentially created a new cohort of potential fraud victims with relatively large sums of…

Read More

Should I get nervous about the Greek problems?

Almost all of the national press money pages had some comment on the Greek crisis and its likely impact on UK citizens. One article in the Telegraph explored the likelihood that the mortgage rate could change as a consequence. Summarising the article, it could send mortgage rates up or down, depending on the scale of the Greek default, whether it…

Read More

Additional complications for Landlords

One of the usual dinner party conversations, once people know you are an IFA, (independent financial adviser), is should they invest in “Buy To Let”? For a number of reasons, I hate giving an opinion on this, as there is not a simple yes or no answer. On the plus side, it is a way of getting ‘passive’ income, an…

Read More

Are Pension Freedoms working for or against you?

The Saturday Telegraph money section had an article on Saturday that suggested that there was a mismatch between Pension Freedoms and the “Lifestyling” features in the bulk of Stakeholder and Stakeholder-friendly personal and group pensions currently available. (See the original article at http://www.telegraph.co.uk/finance/personalfinance/pensions/11685944/Pension-freedom-flaw-750000-savers-lose-9pc-in-four-months.html). Until Pension Freedom day, the assumption at retirement for the majority of new pensioners was an annuity….

Read More

Pension Freedom Experiences

George Osborne has confirmed to Parliament that about 60,000 people have withdrawn about £1billion of pension funds since April. (http://citywire.co.uk/new-model-adviser/news/pension-freedoms-savers-withdraw-1bn-under-new-rules/a821132?ref=new-model-adviser-latest-news-list). It is still early days, so whether this is good or bad is impossible to tell. The mainstream press has been commenting, almost always suggesting that the pension freedoms are not working as there appear to be a significant number…

Read More