Smarter InsightTM is written, as usual, by Tim Hale an investment expert who frequently informs our investment committee.
This time round Tim has penned a brief note on dividend distributions from shares, and the fact that lower dividends does not necessarily mean lower returns.
For further insight, and to view the full note, please click here.
Pension Reforms Challenges and Opportunities
This post is part of the SmarterInsight™ series and is written, as usual, by Tim Hale an investment expert who frequently informs our investment committee.
“The goal of retirement is to live off your assets – not on them” Frank Eberhart
The Chancellor has – in the main – done us all a big favour
New pension reforms came into being on 6th April 2015. The materially greater freedoms that now exist have much appeal, yet they come with greatly increased complexity both in understanding and in execution. On balance these reforms are welcome, but the need for high quality advice has never been greater, both to minimise the risks, but also to maximise the opportunities that they provide.
The British have had a love-hate relationship with pensions for many decades. After some years in the doldrums, the cycle is on the upswing – or certainly deserves to be – largely due to recent changes made by the Chancellor; more on that later. A potted history of pensions and pension reform provide a useful context to these new changes.
If you would like more information about pension planning advice please do not hesitate to contact a member of the Loch Fyne Financial team.
This post is part of the SmarterInsight™ series and is written, as usual, by Tim Hale an investment expert who frequently informs our investment committee.
It is always tempting to judge the value of your adviser on the recent performance of your investment portfolio. That is unfair as it fails to understand the true value that a good adviser delivers (leaving aside the valuable financial planning advice that they also provide) and the fact that no manager can control the returns that the market delivers. Their true value lies not just in the robust structuring of a portfolio, but as a foil to avoid the truly dangerous combination of investor emotions and bad, yet often tempting, investment ideas. A good adviser can earn their ongoing fee several times over, simply by helping clients to have patience, fortitude and discipline in their investing.
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