What is Evidence Based Investing?

A guest blog by Robin Powell, an award-winning journalist and financial educator. He blogs as The Evidence-Based Investor at evidenceinvestor.com. A phrase you may have heard about lately is evidence-based investing. You would have thought that, in investing, as in, for example, medicine or criminal law, everything is based on evidence as a matter of … Continued

How to invest for success following the US presidential election

Assuming the US presidential election took place yesterday, this is how to position your portfolio – Andy Hart  You will all now know that yesterday (8 November 2016) was a historic day for our planet. The new leader of the free world was announced. So how should you position your portfolio in the light of … Continued

WASHINGTON DC US - Sep. 29 2016: Presidential elections in the US. Names of Clinton and Trump written in a directional road signs against american flag

Would you be happy renting in retirement?

                A major goal for many during their retirement will be to enjoy their home after finishing paying off their mortgage. Depending on when you purchased your house however, and with house prices seeing a rise of 30% in the past decade, owning outright is becoming more difficult … Continued

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You have a financial plan, but do you have a financial plan b?

“The best laid schemes o’ mice an’ men, gang aft agley”. So said Robert Burns in his poem ‘To a Mouse’, lyrically summing up the idea that no matter how well we prepare, there are always factors beyond our control that can cause our ‘best laid’ plans to unravel. Whilst the same can be said … Continued

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Update: the knock on effect of the interest rate cuts

Following the Bank of England’s decision to cut interest rates to a record low of 0.25% at the beginning of August and the initial reaction to that from within the financial sector, the resultant effects continue to be felt over a month later. Cash savings accounts have been hit the hardest, with some banks making … Continued

Earning over £150,000? You need to review your pension. Here’s why.

            If your annual income is above £150,000, then your pension allowance has been subject to tapering since April this year. For every £2 of income over £150,000, your £40,000 annual allowance is reduced by £1, with the reduction rounded down to the nearest whole pound if necessary. Reductions are … Continued

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Is working part of your retirement plan?

                A recent study analysing the income statistics for pensioners has found that more people aged over 65 are continuing to work after they officially retire. Figures suggest that the amount of pensioners doing so is around 13%, an increase from just 8% over the past ten years. … Continued

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What now for pensions policy?

Whilst pension freedoms still feel like a recent development for many, they have now been in place for some seventeen months since their introduction in April 2015. That’s beginning to feel like a remarkably long time ago as few further announcements on pension reform have been made for some time. With the arrival of Theresa … Continued

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The scammers won’t go away, so be careful out there!

            It’s an unfortunate truth of the computer age that, as the software developed to protect your identity and sensitive information improves, so the methods of those trying to defraud you become ever more effective. It’s an ongoing battle between both sides, which means it’s just as important to be … Continued

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