Tag Archives: Saving

Property , liquidity and the merit of doing nothing


News that Standard Life , M&G (the Pru) and Aviva have put up the shutters on their property funds is dominating the headlines. We are used to being able to move our money around the market with “impunity”. I put … Continue reading

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KISS – the way for pensions to work.


Simple messages are often the most  effective. When I started selling “saving” I was in my early twenties and I sold to my peers, those in London fresh out of college and struggling to get started in their careers. My … Continue reading

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Show me the money!


My magic money machine Last week I (twice) had the satisfying experience of lugging my piggy bank down to Metro Bank and entering the contents into the Magic Money Machine. My cash was exchanged for a chit (see below) which … Continue reading

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Budget 2016 – strengthening the incentive to -what? -Fiery stuff from Ralph Frank


The first leg of the bi-annual tinkering with Britain’s savings’ environment, historically referred to as the Budget, has recently had its instalment for 2016.  The Chancellor of the Exchequer has maintained his record of increasing the complexity of the savings … Continue reading

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Pensions Austerity – tougher for the rich than the poor?


Speculating on budgetary changes is a mugs’ game and I’ve been as guilty as any of trying to second guess not only the direction but the destination of travel – following the announcements last year of a radical overhaul of … Continue reading

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Confusing intermediaries


Whether we are talking about saving (accumulation) or spending (decumulation) the issue is the same. Continue reading

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Preparing for an auto-enrolment capacity crunch.


The Telegraph is running a story suggesting that the DWP are drawing up a plan B for auto-enrolment that could see the timeline for initial staging stretch to the next decade. Nannies, gardeners and staff at small firms may not get … Continue reading

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Is increasing complexity making pension saving harder ? – guest blog by Ralph Frank.


The most conclusive finding of a recent survey by PwC into pensions taxation was not even related to the respondents’ views on the central question of the survey (namely, the most appealing tax scenario for their pension)! Sixty percent of … Continue reading

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Why I want to be old – rich and pay no tax!


There’s a famous story, now fading from popular memory about Strand, a brand of cigarettes in the sixties. Strand came out with a strap-line “you’re never alone with a Strand” It killed the brand stone-dead. People associated smoking a Strand … Continue reading

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What AE’s doing to pension saving – guest blog from Richard White


Richard White works for Portal Financial a Rochester based IFA who are producing some really interesting stuff on pensions. This is Richard’s first blog for us and I hope we’ll be able to feature more! Research highlighted in our blog post … Continue reading

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