Tag Archives: Moneytips

Secrets of Smarter Investing?

The Chinese philosopher Confucius once said that life is very simple, but we insist on making it complicated. You could say the same thing about investment. Complexity in investment often goes with a lack of transparency. The highly engineered and multi-layered financial derivatives that contributed to the global financial crisis five years ago are a […]

By-pass your spouse?

Typically when an individual joins a pension fund, they express their wishes for the pension fund trustees to pay the lump sum death benefit to certain named individuals. More often than not it is the individual’s spouse who is the requested beneficiary of these funds. If the trustees exercise their discretion to transfer the funds […]

Pension Planning Update Dec 2012

The maximum amount that can be invested on an annual basis, know as the ‘annual allowance’ will be reduced from £50,000 to £40,000 for the tax year 2014/15 onwards, beginning 6th April 2014. The good news is that the reduction is NOT with immediate effect, as had been feared, and so plenty of time to […]

The Top 10 Money Excuses

People who make bad money decisions can often rationalise them. Here are 10 common excuses. Human beings have an astounding facility for self-deception when it comes to their own money. We tend to rationalise our own fears. So instead of just recognising how we feel and reflecting on the thoughts that creates, we cut out […]