All Posts By

burfield

Could your tax free ISA be nicer?

We are often sending notes on Pensions, so for a topical change we are moving to ISA’s (Individual Savings Accounts) but could your tax free ISA be nicer? The reforms last July did far more than just adding an N to its title to become a NISA. It is now…

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Nine common myths about ISAs you need to ignore

Ten common myths about ISAs you need to ignore There’s still a lot of confusion around ISAs. Unfortunately, many people are missing out on the benefits because they see them as complex or not relevant to their financial status. These people may be putting their savings into regular savings accounts…

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Best Laid (Pension) Plans

Best Laid (Pension) Plans We came across this picture and thought it graphically illustrates the reality of the world we are in. The graphic was originally intended to reference investment...
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What is a risk-free rate of return?

What is a risk-free rate of return? The science of capital markets has been built on the concept that investors are due a return over and above the prevailing ‘risk-free rate’ in the market. This excess return is the ‘risk premium’, and rewards investors for taking on higher risk (i.e….

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The Case for Review

The Case for Review Following my previous notes, reference was made to “The Case for Review”. The purpose of this note is to explain why People need to think about Reviewing any investments and pensions they have, and readdress their appropriateness in a fast changing world. I suspect this note…

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NS&I Pensioner Bond Launch – Website Crashes!

NS&I Pensioner Bond Launch – Website Crashes! The eagerly awaited pensioner bonds have finally gone on sale yesterday. The date of the actual launch was kept under wraps and the website crashing has probably vindicated this usual approach. Market-leading rates after years of low returns on accounts meant the bonds…

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Locked out of Pensions Freedom or Pay more for the Privilege

Locked Out of Pensions Freedom or Pay More For The Privilege. As I have mentioned in a previous note, we are starting to hear Pension Providers are redeveloping their propositions ready for April next year. This could lock people out of the Freedom of Choice! In the cold light of…

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