£797bn a year wiped out in unnecessary costs. Managed funds charging too much in fees. Read more >

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7th April 2011

Retirement Annuities

At the start of the new tax year on 6 April 2011, the government scrapped the requirement to buy an annuity at age 75 and introduced two alternatives, capped or flexible drawdown, to replace unsecured pension and alternatively secured pension. … Continued

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Read this article on the ft.com website.

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Returns are highly attractive but come with a considerable risk especially in the short term. Tread carefully when investing in emerging markets. Read more >

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Take a long-term view on returns if you plan to invest in equities. Facts show folly of forecasting financial markets. Read more >  

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Investors should avoid making fixed-income decisions based on a forecast, media coverage, or hunches. Rate climb could reduce value of bonds in long-term. Investors should consider future. Read more >

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Higher costs can wipe out any excess returns despite potential to outperform broader market. Tread carefully when it comes to investing in active funds. Read more >

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Courses available throughout Scotland to help employees get to grips with life after work. Making the often daunting transition into retirement. Read more >  

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Diversifying is the key to earning rewards. Assess the level of risk before you invest. I am often asked: “How do I decide what to invest in to get a better rate of return than I get at the bank?” … Continued

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