Is it wrong to spend the kids’ inheritance?

This article was first published on 23rd November 2018 Do you find yourself betwixt and between on this? On the one hand, your in-laws are spending every last penny and more on the latest cruise experience – “are they deliberately emptying the coffers!?” On the...

Are holidays risky?

This article was first published on 24th August 2018 No, I’m not dictating this from a beach. But, I am on holiday in Spain and writing this bulletin on my laptop! I was prompted to write about the risks of holidays by my daughter renting a quad bike for the...

We are all investors now!

This article was first published on 27 July 2018 When it comes to financial affairs, there are three things at which we are ‘the pits’ – Pensions, Investing and Taxes. We have a morbid fear of all three. Pensions are “complex and...

Investment fees and charges

This article was first published on 8th June Annual Management Charge (‘AMC’) The AMC is the fee taken by the manager of your fund or unit trust. It is expressed as a percentage of the value of the fund, calculated daily and deducted automatically from the...

Cash poor, asset rich?

This article was first published on 4th May 2018 Talking to a friend this week, we were bemoaning the fact that as retirees we are cash poor, asset rich. Living in the South East we own property which is worth a lot on paper but is negative for cash flow not positive....

Five Principles

When contemplating retirement, and escape from 45 years of working under another person’s rules, you may want to prepare the ground by setting out the key principles by which this transition should proceed. The detail can follow. And, unlike Theresa May’s five...

Saving for Retirement

Our youngest daughter is currently saving for her wedding to Harry. They have 18 months to save a quite ridiculous amount. I have every confidence they will do it. Their goal is clear and obvious – a fabulous wedding and wedding party. The amount they need has...