Impartial Financial Planners | IFA | Fee Based | Dentists | Doctors
Providing fee based impartial financial planning services, serving dentists & medics throughout the UK
Having given due consideration to the strategies in Part 1, let’s now consider other tax effective investments to help children with the costs of higher education. Trust Arrangements In cases where the donor is confident that the child will have a mature disposition at age 18, a bare trust based investment will offer maximum tax [...]
With the potential costs of a university education spiralling, house prices still being relatively high and the cost of weddings increasing, it has never been more important to begin a programme of savings for children and grandchildren. Added to this the effective demise of the Child Trust Fund has left a gaping hole in effective [...]
Q. I keep hearing from yourselves and others about Model Investment Portfolios. I think I understand the premise here but can you please summarise why you use them and how the ones you use work in practice? A. We have used these for around 6 years now, and it came from the realisation that trying [...]
At the moment, one of the frustrations for savers is the low rates of return they are experiencing on cash deposits. This has resulted in some investors being persuaded by salespeople to put their money into a Bond that is linked to the performance of the stock market in some way or form. There are [...]
Q. As someone with money invested in various stock market funds, I get besieged by all sorts of mailings and articles as to the best way to invest. I am particularly intrigued by the two distinct approaches that seem to be battling it out between the buy and hold long term believers, and the busy buy [...]
As you can probably imagine, we read a huge amount about the subject of investments. Included here, as well as the more ‘serious’ reading we do, are the many journalists who write numerous articles about the ‘best way’ to invest your hard earned money. One such journalist is a chap called Harvey Jones, who writes [...]
Q. I am about to start contributing to a personal pension fund and have been through a process to assess both how much risk I need to take with my investment as well as how much risk I will be able to tolerate on an ongoing basis. Whilst I am comfortable investing 70-80% of the equity [...]
Q. I am looking to invest a lump sum, as well as a regular amount each month. I can’t decide whether to choose an equities based Individual Savings Account (ISA) or a Personal Pension. Which do you think is best? A. It’s fair to say we’ve been asked this question a few times over the years! As [...]
Investing company money that has built up within a business bank account poses a challenge to many company directors. If you are a dentist that has decided to incorporate (or perhaps you’ve already done it), or a doctor with private earnings that has incorporated, one of the main differences you’ll have noticed is that there [...]
As we have said consistently for many years, we favour passive funds and tracker funds when investing clients’ capital. The evidence for actively managed funds where the Fund Manager stock picks, and perhaps tries to time the markets leading to consistent long term performance above the average is thin on the ground. Especially so when [...]
