Financial Planning, Pensions, QROPS
The end of public sector pension transfers
Pension transfers from public sector pension schemes will be banned forever in five months. This means that from April 2015 transfers will no longer be permitted from the following ‘unfunded’ public sector schemes: NHS Teachers Civil Service Police Armed Forces Fire fighters Pension members, who are thinking of moving abroad or who are already living […]
Army, Civil Service, Police, Public Sector Pensions, QROPS, Teachers, UK Pensions
Financial Planning, International Mortgages, Regular Savings, Retirement Planning, Tax-free Growth
Is property a sound investment?
A question that I often face as a financial advisor is, “would I be better putting my money into property?” The answer is, that it very much depends on your personal circumstances and you should sit down with an advisor to discuss those circumstances in full. As a general rule of thumb, if you are […]
International Mortgages, Investments, Long term planning, Long term Savings, Property, Retirement Planning, UK
Financial Planning, Regular Savings, Retirement Planning, Tax-free Growth
[Infographic] The Retirement Outlook in the UK
Retirement always feels like a long way off, but how many of us daydream about what we might do when we reach that golden age? Whilst we might dream about what we could do in our retirement, how many of us think about, or plan for, how we might pay for that lifestyle once we […]
Expatriate, Future Planning, Offshore Savings, Retirement Planning, UK
Financial Planning, Regular Savings, Tax-free Growth
What’s the difference between saving and investing?
Question: Is there a difference between saving and investing money? Answer: Absolutely! There is a subtle but effective difference between saving and investing your money, although both are necessary when creating your financial plan. Saving money is simply about putting money aside on a regular basis. The chances are that you spend less money than […]
Financial Planning, Long Term Savings, Regular Savings, Retirement Planning, Tax-free Growth
Average Private Pension will run out in 5 years! [Part 3]
The Gaps According to new figures from financial services company True Potential, savers in the UK have added an average of £2,671.60 towards their pension pots of the last 12 months. That may sound like a substantial amount, but the truth is that over twenty years of retirement saving, that would only provide £6,011 a […]
Expatriate, Future Planning, Offshore Savings, Retirement Planning, Tax-Free Growth
Financial Planning, Long Term Savings, Regular Savings, Retirement Planning, Tax-free Growth
Average Private Pension will run out in 5 years! [Part 2]
What about the State Pension? According to new figures from financial services company True Potential, savers in the UK have added an average of £2,671.60 towards their pension pots of the last 12 months. That may sound like a substantial amount, but the truth is that over twenty years of retirement saving, that would only […]
Future Planning, Pensions, Retirement Planning, Tax-Free Growth, UK Pensions
Financial Planning, Long Term Savings, Regular Savings, Retirement Planning, Tax-free Growth
Average Private Pension will run out in 5 years! [Part 1]
Are you saving enough? According to new figures from financial services company True Potential, savers in the UK have added an average of £2,671.60 towards their pension pots of the last 12 months. That may sound like a substantial amount, but the truth is that over twenty years of retirement saving, that would only provide […]
Expatriate, Future Planning, Offshore Savings, Retirement Planning, Tax-Free Growth
Financial Planning, Pensions, QROPS, Retirement Planning, Tax Cut
UK Pension Update
A month ago the UK Chancellor, George Osborne, announced additional amendments to UK pension legislation to take effect from 6th April 2015. Whether you are living abroad, planning to live abroad or you intend to retire in the UK, you will feel the affects of these changes if you have a pension or pensions held […]
Pensions, QROPS, Retirement Planning, Tax Cuts, UK, UK Pensions
Financial Planning, Long Term Savings, Tax-free Growth
[Infographic] Reasons to invest offshore
I am still astounded to find out how many expats repatriate a considerable proportion of their wealth for long-term investment. I understand that there may be currency values to consider, or the political stability of the country in which you reside, but there are so many other options available to those living away from home that […]
Financial Planning, General, Long Term Savings, Regular Savings, Retirement Planning
Investing Essentials – Balance Your Risk
One of the most important nuggets of financial investment guidance you will ever be offered is to expand your portfolio into a number of various investment vehicles. This can help you spread out the risk and also obtain a steady return on your investment capital. This kind of investing can be categorized extensively as value […]
Bonds, Diversification, Investments, Long term Savings, Mutual Funds, Stock Market, Structured Investments
Financial Planning, Lump Sum Savings, Tax-free Growth
New product! With a Capital Protection Guarantee!
I can now offer clients a brand new product that provides new levels of capital protection. It is a low cost product with an affordable lump sum investment level. It is linked to one of the biggest indexes in the world, and accumulates steady growth over a relatively short period of time. As with all investment opportunities, there […]
Index funds, Lump Sum Savings, Short term savings, Tax-Free Growth
Financial Planning, Pensions, QROPS
Expat teachers make the most of QROPS (whilst it lasts)
Teachers from the UK are grabbing their final opportunity to transfer their pensions offshore before the door is permanently closed from April 2015. The public sector pension fund is severely depleted, threatening to shatter the retirement dreams of those who have worked at the forefront of British society for much of their lives. With the […]
