Q. I keep reading about ‘Wrap Platforms in the press, and have noticed you also use them for your clients’ investments. My own adviser says he prefers to use the ‘tried and tested’ insurance companies for my ISAs and Pension policies. What are the main advantages of using this way to manage your investments? A. This is [...]
Investment Risk – What’s Your Risk Tolerance?
November 2, 2009 By
As you’ll know, the main global stock markets have been very volatile over the last 12 months or so. And it’s likely that you have money invested in one or more of several investment vehicles: ISAs Personal Pensions Self Invested Personal Pensions Life company funds Unit Trusts Open Ended Investment Companies Investment Trusts For example, [...]
The Budget and New ISA Rules – Hot Topics Q & A
May 11, 2009 By
Q. I am a bit confused with the budget changes on how much you can invest in a stocks and shares ISA and when. I contacted my Bank who said they would get back to me with the answer, but 4 days later I am still waiting. As I am over age 50, can I [...]
ISAs – Are They Really That Tax Efficient?
March 12, 2009 By
One of the standard pieces of advice we have always given when it comes to investing in stocks & shares is that it really will pay off to maximise the allowances clients have to ISAs. If a client is looking to invest, this is the first port of call for us as wealth managers. As [...]
Sell Dental Practice Now or Later? – Hot Topics Q & A
February 27, 2009 By
This week’s Q&A is more in depth than usual and follows a ‘conversation’ style. Q. I guess something I have been considering is my retirement from general dental practice at age 58-60 while I still enjoy it and before my health suffers. I am currently 52 (53 in May) and in good health. I will have an [...]
Rebalancing Your Portfolio – A Key Strategy? – Hot Topics Q & A
October 31, 2008 By
Q. I have heard about rebalancing, but am not quite sure what it is and how it could benefit me. I have approx. £210,000 invested in various plans including personal pensions and ISAs. I have not reviewed my investments for a few years now. Can you please tell me more? A. It’s likely your portfolio includes [...]
The Cost of Investing – Are ‘Hidden’ Charges Eating Your Returns?
September 18, 2008 By
We live in interesting times. The investment bank Lehman Brothers has filed for bankruptcy protection, Merrill Lynch is being taken over by Bank of America and it’s predicted thousands of bank employees will be picking up their P45s by the end of the month. If you have money invested in ISAs and personal pensions these [...]
Using a Wrap Account To Manage Your Investments – Hot Topics Q&A
March 26, 2007 By
Q. I am planning to retire in about 5 years and have a number of investments, including 3 personal pensions and 7 ISAs and PEPs. In total, the money is invested in 19 funds. I’m finding it hard to keep track of all the funds and am not sure if I’m taking too much / too little risk. I’ve heard [...]
