Impartial Financial Planners | IFA | Fee Based | Dentists | Doctors
Providing fee based impartial financial planning services, serving dentists & medics throughout the UK
New Year’s resolutions often involve making promises to ourselves we can never keep. But instead of tilting at windmills, we can often generate better results by merely resolving to be less dumb in certain areas. And money is a good place to start! One human tendency is to judge the effectiveness of our retirement savings [...]
Q. You recently covered the impact of investment charges that all investors face when they put their money into funds within personal pensions and investment based Individual Savings Accounts. What are these costs and where can I find out more about them for the funds that I invest in? A. Investment costs/charges is certainly a [...]
Q. With future uncertainty about the economic outlook, what would you say is one key factor when investing disposable income and any capital I have available? A. As you might expect, there are a number of factors that you should consider. If I had to pick one, it’s investment charges. We’ve written about this topic many [...]
As you’ll no doubt have noticed, it has been quite a few weeks in the investment markets! They have been very volatile to say the least and have provided us with a reminder of why we have developed our investment philosphy as we have. This philosophy has come from much experience and studying the vast [...]
Q. In light of the recent falls in Stock markets around the world, should I consider selling my equity (share) holdings and buying safer assets? A. This is a great question and we totally understand why you are asking it at this volatile time for world stock markets. As you’ll know, there’s a great deal of [...]
The Junior ISA will be launched on November 1, 2011 and the government estimates that 6m children will become eligible to contribute, with a further 800,000 a year after that. As you’re probably aware, the child trust fund (CTF) was closed to children born after January 2, 2011. The Junior ISA is a replacement for [...]
Q. Over the years I have used various financial advisers. A lot of the time they call me with a new idea on investing that involves putting money into an ’exciting new product’. I have had my fingers burned on this sort of thing before, but still find the ideas interesting as they sound so good when an adviser [...]
National Savings & Investments (NS&I) have announced that they are once again offering savings certificates. These were withdrawn in July 2010 because they were attracting too much money. Now that NS&I are in a new financial year, with a new fund raising target of £2bn, they have scope to reopen their doors to investors. However, [...]
The tax efficient nature of Individual Savings Accounts makes them particularly attractive for the higher rate taxpayer. However, because the charges of some ISAs will be higher than, say, an ordinary unit trust, before investing in an ISA rather than a unit trust investors must be satisfied that the tax advantages will outweigh the increased [...]
As Financial Planners and Wealth Managers, we take our role in managing risk for clients very seriously. After all, we talk about the small (but very big) word TRUST all the time when we examine why a client will choose to put their faith, and money, with us. Of course, risk is ever more topical [...]
