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. Having inherited a sizeable sum of money, I was considering investing some of it into the stockmarket. My Bank offered a free meeting with one of their advisers, who showed me various graphs showing that this was a good idea over, say, 5 years or more, and recommended their Bond. I was quite comfortable with this, but [...]
We held a Retirement Seminar for dentists at our office recently. This being part of an ongoing series of educational talks and workshops to several groups of dentists in the north, and which also takes us to North Wales next year. It was good to see familiar faces in attendance, as well as new, with [...]
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 [...]
Well, here we are. One month into 2011 already! I hope the year has started well for you. One theme I have noticed is that the media can’t wait to push the idea that everyone is losing their jobs and we are all facing a tough time. Now, of course some everyday items are more [...]
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 [...]
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 [...]
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 [...]
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 [...]
