We are watching the 100 Foot Wave on Sky at the moment. For those of us of a certain vintage, the first thing you think of when watching a programme about riding the ultimate wave is Bodhi and the 50 year storm in Point Break. That one big event that happens every 50 years. In […]
I am one of Ulster Bank’s 1.1 million customers. My wife and I have our household account with them, so we have to move our account at some point. I was going to leave it until the last minute but Brendan Burgess of askaboutmoney.com told me that there will be chaos with people trying to […]
I am seeing more and more people leave their pensions in cash because they think we are in a bubble that is going to burst soon. That is when they will swoop in and buy at rock bottom prices and make a killing. When I ask them how they came to that belief, the most […]
When I was reading the Pension Commissions report for last weeks article, I was struck (and angered) about how many pension reports and roadmaps I have read over the last number of years. Each on promised to do the same thing; address the looming pension crises that we all know is coming and getting closer […]
After Budget 2022 was announced a few weeks ago, the Finance Bill 2021 was published and it introduces some interesting pension reforms. The end of the AMRF The AMRF will be no more. This is something that we have been supporting for years and it is finally happening. We had been talking to the Revenue […]
In 2018, the government published its Pensions Roadmap. We wrote about it at the time. In the 3.5 years since it was published, none of the recommendations have been implemented. There was however an election in 2020 and the age for receiving the State pension was due to be increased to 67, so it became […]
I don’t really. I’m not into car and if I was going to splurge on a car I would buy a Porsche Panamera. But Tesla’s are the car to be seen in these days so lets go with a Tesla Model S. It’s not cheap to look so stylish and you can expect to pay almost […]
When working with clients on investment strategy, I will issue them with an Investment Policy Statement. This document will set out Bluewater’s investment philosophy, the clients own investment circumstances, our recommendation and fees. They then have to sign a Summary of Understanding and Declaration. The first point in this summary is that they understand that […]
September is a particularly busy time for reviews in preparation for the tax return deadline in mid November. At Bluewater, our investment portfolios are pretty simple. We use equities for growth and bonds or cash to dampen volatility. In carrying out our reviews, the poor performance of the bond and cash element stands out, especially […]
For over 50,000 years, Australia’s Indigenous Aboriginal community have managed the land through burning. Using fire has many benefits: Encourages native grasses to regenerate and produce new feed Reduces scrub and fuel to prevent intense bushfires Promotes biodiversity The same can be said of companies. Over their lifetime, companies can become bloated and inefficient. Once […]