In this blog:
Lucky vs repeatable
Trouble at the EV offices
Ros Altmann – Baroness – and the trouble with trusts
I had an interesting conversation with my three-year-old granddaughter about a bear that is really called Winnie the Pooh (you can fill in the gaps)
Standard deviation and Sortino Ratios in portfolio comparisons
In this blog:
5 years annual returns of major hedge funds
Crunch data: today’s annuity vs investment trust
When should you move your DC scheme?
Starting drawdown – the tax pitfall
What’s the score with Fisher?
God bless America!
In this blog:
Saying ‘No’
Shenanigans
ESG – who’s the war-monger?
Jolly hockey sticks
In the technical part of the income market
How to gift to married children and keep it in the family
Target date funds: a technical note
In this blog:
How was the 4% Rule calculated?
How not to get lost
Don’t drive your lifetime savings without accurate navigation
Hey Uncle Sam, slow down there a minute
In this blog:
The new tax rates and allowances
The student loan interest rates and income thresholds
What is S&P talking about? Active v passive
Cool runnings?
Transitional certificates
Investment maths – 51.5p share price, 34.4% discount
In this blog:
Is cheaper better in investments?
What are you expecting?
It’s not just you – the proof
Chapter 5 – your retirement
This is the new Key Chart
In this blog:
We have a huge amount of respect for Christine Lagarde
If you like a lot of chocolate on your biscuit…
Investing in reverse
Remember Harry Patch
What a discretionary portfolio looks like – and what they charge you. Or, this is what Consumer Duty is all about.
Valuations and hot air
“I need a pension of £60k per year, I’ve got £90k in my pension”
Pay rises in 2023 – what’s in your wallet?
In this blog:
Buy your pension at a discount
The maths is simple
Putting the jigsaw pieces together – use the data, not the crystal ball
Recycling your ISA – don’t forget it
Are you wealthy? How do you rate?
In this blog:
Inflation versus dividends: the relevant data
The Rolls Royce Pension Scheme, or, ‘Why doesn’t everyone do this?’
Fees, charges, costs and commissions
Commission or fee – what’s the difference?
Handouts to the kids
Help – she’ll just spend it
In this blog:
Talking about racing cars and autogyros, have you done your LPA?
Open or closed? Differences between investment trusts and unit trusts
The SONG and dance
The tax man speaks – Lifetime Allowance update
In this blog:
Capital and income are not correlated
Boringly predictable
Inflation – what goes up must come down
And while we’re here… is this a trigger?
Solicitors look away now
In this blog:
The Magic Money Machine
£90,000 per year, net, for life, inflation adjusted. The aNewuity: when ‘pension’ means ‘income’.
“What were you thinking?”
In this blog:
Get one investment decision right per year
Interest rates – running away with the money
Ahhh Google, what have you done?
If the money feels tight, consider the pricing involved in the tech you are buying
A tale of two mortgages
In this blog:
Example: National Grid 2024 5.875%
All 747’s are planes, but not all planes are 747’s
Lifting the lid on part of our analysis
In this blog:
Get the size right – too big can be catastrophic
Getting the size wrong can be fatal as well
Rachel Reeves and the Lifetime Allowance Show
The Telegraph runs a weekly column called the Telegraph Money Makeover – readers write in if they are seeking help with their finances and the journalist of the day contacts firms like ours to ask if we’d like to write in with recommendations in return for getting name-checked in the paper (we’ve been there several times over the last few years)…
Read MoreIn this blog:
The 5 ways to get income from your pension
Bonds at that mythical 5%
Never pay full rate 40% or 45% income tax again
In this blog:
Question 1 – do you need your income guaranteed or not?
Question 2 – is this an area of your expertise?
Possible vs probable vs guaranteed
The most important element of the objective
In this blog:
The $12.5 million idea
Moneyball for pensions
We are data analysts
Good recipe, but what’s the cake like?
So long, farewell
And Alan did run
Almost Methuselah
