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Bitcoin

Should I be Investing in Bitcoin?

We may be in the grips of another mania with the soaring price of crypto-currencies of which Bitcoin is the biggest and best known.  What is a crypto-currency and should you be investing? Find out more…

Teddy bear

Beware of Cuddly Brands whose Funds Overcharge

Would you buy a Virgin flight for £600 when you can book the same flight on a low cost airline? Well that’s the difference in costs after 5 years of a Virgin FTSE tracker fund compared to a similar low cost tracker fund. Find out more…

What is a group pension plan

What is a Group Pension Plan?

Group Personal pension plans (GPP) or Group Stakeholder plans (GSHP) are a relatively straightforward method of providing employees with a pension arrangement. As they are not classed as occupational schemes they are not subject to the more onerous rules and regulations applicable to such schemes, instead they are made up of a series of individual […]

What is flexi-access drawdown?

What is Flexi-Access Drawdown?

Holders of money purchase pension plans can defer taking their pension in the form of an annuity and instead make withdrawals directly from the pension fund. This will first require the funds to be moved into a flexi-access drawdown plan or converted to flexi-access drawdown. Find out more…

What is capped drawdown?

What is Capped Drawdown?

Capped drawdown is a type of income drawdown which allows you to withdraw income, within limits from your pension fund without purchasing a lifetime annuity. Prior to 6th April 2015 it was possible to purchase a capped drawdown plan. Any capped drawdown arrangements in existence didn’t automatically become flexi-access drawdown arrangements on 6 April 2015 […]

Financial fraud

5 Questions to Ask Yourself to Avoid an Investment Scam

Investment scams are a fact of life.  And anyone can be a victim of an investment fraud; even people who regard themselves as sophisticated investment professionals can be duped by a fraudster.  These questions will help you avoid becoming a victim…

What happens to your pension when you die?

What Happens to your Pension when you Die?

Death isn’t something we like to think about but most of us want to make sure our loved ones are well-catered for after we’ve gone so it’s important to understand what happens to your pension when you die…

10 Years on from the Financial Crisis - Why Seeking Advice is Vital

10 Years on from the Financial Crisis – Why Seeking Advice is Vital

This month is the tenth anniversary of the start of the financial crisis which continues to cast a shadow on the way we live. The biggest take away is that leaving all your wealth in the bank is daft and the need to seek financial advice is much more important than it was…