The Microsoft references are rhetorically effective, but analytically misleading. Microsoft went public in 1986 and did not pay a dividend…
Thank you for the kind words!
As cryptocurrency adoption continues to grow, scams, hacking incidents, fraudulent investments, and lost wallet credentials remain major challenges. TECHY FORCE…
The self-employed commonly have very lumpy income streams plus periods of feast and famine. Their lack of income security means…
Tag Archives: Housing
Work Pensions do deals NOW in UK private markets (not just offer LTAFs).
While the ABI hurried out a paper I wrote about over the weekend saying insurers had invested next to nothing (0.24% of £268bn) in retail workplace pensions (around £650m), institutional investment is a different matter for organisations seeing investment as … Continue reading
Posted in pensions
Tagged Housing, Infrastructure, L&G, LTAF, LTAFs, NEST, workplace
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The house – get rich slow with nothing to pay in tax?
The Government’s conversation with the newspapers the elderly and wealth read is interesting. The elderly and the wealthy should know that they are going to get it in taxation so that the Chancellor can manage her books and encourage growth … Continue reading
Posted in pensions
Tagged Council Tax, Housing, Pensions, stamp duty, Tax, transaction tax
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House owners, enjoy your pension ; renters feed your landlord
Let’s not kid ourselves about the price of our house rising fast enough for us not to have to think about savings, it’s just not like that anymore Yes houses have gone up over the past five years in absolute … Continue reading
“Pension + house owning!” Nest Insight – meet Hymans Robertson.
Thanks Nest Insight for addressing one of the biggest questions for young people working out how to prioritise their spare cash. Hymans Robertson excellent report has sensible suggestions on how youngsters wanting a pension to help them buy a house, … Continue reading
What motivates the young?
“The most important fact in modern British domestic politics: in the 1990s, a first-time buyer couple on a low-to-middle income saving 5% of their wages would have enough for an average deposit after three years. Today it would take them … Continue reading
“High interest rates will help the young”- really?
A report out today from the Resolution Foundation finds a dramatic turnaround in working people’s prospects of getting rich Over the past four decades, the total value of wealth owned by UK households has been on a seemingly-relentless upward … Continue reading
UK BAU – Nigel Wilson – L&G
Not for the first time I have been encouraged in my work by L&G’s CEO Nigel Wilson. There have been times when this has been face to face, this morning it was on Radio 5’s Wake up to Money. Nigel … Continue reading
Posted in advice gap, pensions
Tagged Housing, Nigel Wilson, Patient Capital, pensions
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We have “capitalism without the capital” – we should be patient!
It’s budget day and Nigel Wilson has been on Wake up to Money, urging the Chancellor to encourage Britain to invest positively for its future. He tells us that Britain has “Capitalism without the Capital”, he’s right and I’m with the … Continue reading
Posted in advice gap, pensions
Tagged capital, Equity, Housing, John Mather, Nigel Wilson, pensions, Savings
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Fancy finance or cheaper houses?
I recently wrote a blog arguing that we could make more use of the burgeoning financial education/wellbeing brigade to get youngsters saving for proper housing of their own. My thoughts focussed on finance but of course the Government want … Continue reading
Helping young staff to a home of their own
There’s increasing help in the workplace for those planning retirement or struggling with debt. “Financial well-being” is this year’s “financial education” and the healthcare organisations have worked out that a solvent workforce is a workforce less likely to suffer from … Continue reading
Posted in pensions
Tagged first actuarial, Housing, propery, right to buy, shared ownership
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Standard Life was fine until Gordon Brown started playing 'ducks and drakes' during the last century - now we have…