News & Articles

 

Going from being a saver to a spender

You have spent your working lifetime saving. Putting money away into your pension and an extra few quid when you had the money. By being frugal and living below your means, you have accumulated a substantial amount of money and you have reached the financial planners holy grail…you are financially independent. You are now in […]

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The corruption of investing

Ever heard of Dogecoin? It’s a cryptocurrency that was created by two software engineers as a joke to make fun of the wild speculation of cryptocurrency. This year, it is up 1,493% and that is after falling 33% in value since 08 May. At that point is was up a staggering 2,236% from the start […]

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The known unknowns

Before Donald Trump became president of the United States, the most famous Donald in American politics was Donald Rumsfeld. In 2002, as Secretary of Defense, he gave his famous “known unknown” answer when questioned about the lack of evidence that Iraq had weapons of mass destruction: “Reports that say that something hasn’t happened are always […]

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How to fix pension charges

A couple of weeks ago, I wrote a response to an article that claimed that investors were paying 3% in pension charges. We showed that this was not true, but a valid point was raised, pension charges are opaque and need to be more transparent for investors. Get rid of allocation rates Allocation rates are […]

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No, you are not paying 3% in charges for your pension

I have set up Google alerts for a number of different keywords, so every morning I get an email with articles linked to that keyword. One of those keywords is pensions and last Monday I got an alert to an article saying that six in every ten euro in a pension pot being consumed by […]

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The Investment Genius

Financial advisors are always looking for ways to add value for our clients. A past offering was that of investment genius. There were investment geniuses all over the world offering their services as a financial advisor. When advising you on how to set up your pension and investments, the investment genius would tell you to […]

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Patience is a virtue

I often hear people say that investing is just like gambling, when in fact it is the opposite. The longer that you gamble, the more likely you are to lose your money. Whereas, the longer that you invest for, the less likely you are to lose your money; you have a much greater chance of […]

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The history behind deemed disposal

Of the 350 blogs that I have written so far, the most read and most commented ones are the articles about deemed disposal. People do not like paying tax and especially when they are paying tax on a gain that they have not realised. But how did we get to this situation? Net roll up […]

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Should you buy individual stocks?

I love podcasts (if you have any recommendations send them on. And if you’re looking for new ones, have a look here). One of the shows I listen to every week is Pivot, which is a tech, business and politics show. One the hosts, Scott Galloway, has been touting Roblox as a buy for well […]

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Investment Trusts

For investors trying to avoid deemed disposal, there aren’t too many options available. One of them is investment trusts, some of which hit the news last week after a slump in their value. So what are investment trusts and why was their such a big slump in their value? What is an Investment Trust? Investments […]

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