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How could the change to RPI affect me?

Buried amongst the other announcements made on 25 November was a paper from the Treasury looking at measures of inflation. It revealed a decision about replacing the Retail Prices Index (RPI) with the Consumer Prices Index (CPI) including owner-occupied housing costs (CPIH). The RPI has not been an official National Statistic since 2013 because of serious deficiencies

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Can I buy property with my pension?

All registered pension schemes can (in theory at least) invest in property, including land, either in the UK or overseas. Pension schemes can invest directly in property, but many choose to invest indirectly using pooled vehicles. These include unit trusts, open-ended investment companies (OEICs) or real estate investment trusts (REITs). As well as allowing smaller

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How should I take my profits from my business?

When business owners choose how to take their profits, there is a compelling argument in favour of pension contributions. Dividends may still be the preferred route for most. However, changes in how they are taxed may drive more directors who do not need the income to use employer pension contributions instead. Remember, since April 2018,

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Do I need critical illness cover?

The coronavirus (COVID-19) pandemic has caused many households to reassess their financial defences with the purchase of protection insurance. The diagnosis of a serious illness can mean a tough time for your health and your wealth. If you were to become critically ill and could not earn a living, would your family cope financially? Our

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Is my money locked away if I invest?

It is always important to manage expectations when investing. We often get questions about whether there is an explicit time someone must invest for how accessible the money is. How long do I have to invest for? If you are investing in an investment account or an ISA, then technically you could invest the money

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What is financial wellbeing?

I have always been passionate about helping people feel more financially confident and achieve financial security. What this can be boiled down to is increasing financial wellbeing. The Financial Wellbeing Book, published in 2016, laid out five parts to financial wellbeing: A clear path to identifiable objectives Control of daily finances Ability to cope with

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How could the US Election affect my portfolio?

Many investors are worried about the US election’s effect on the stock market. One school of thought is a Biden victory could lead to measures that would hit businesses. Another asserts the stock market prefers Republican victories. What does the data say? The logic of efficient markets is that anticipated events do not impact prices.

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