Blog Archives

Self Invest Personal Pensions; what they are are how to make best use of them in retirement planning for group or personal pension provision.

Is Investing In Gold Via SIPP or SSAS For Your Pension Wise Now?

There’s gold in them there hills… or is there?

Invest in Gold

Many of today’s retirees remember what happened with gold back in the 1970’s when it took off on a long bull run. For those looking at investing today it’s worth reviewing what happened back then.

Why?

Because in case you have not noticed, there has been a big kerfuffle in gold investing lately with a long bull market suddenly reversing almost overnight.

Read more… The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested. The Financial Conduct Authority does not regulate advice on tax planning




SIPP Warning: New Rules Could Close Providers – What To Do As Investors

Consumer alert today folks!

A recent report from the Association of Professional Financial Advisors (APFA) has sent strong shock waves rippling through the investment industry. Additionally some even fear that up to 80% of SIPP Providers may go out of business because of a recent proposal from what used to be called the FSA (now FCA) to force providers to make sure they have enough capital reserves to back funds, in order to reduce risk for consumers.

By clicking on the above link, you are now departing from the regulatory site of IFS WM Ltd. Neither IFS WM Ltd nor Intrinsic Wealth Limited is responsible for the accuracy of the information contained within the site.

However, due to these new SIPP rules, 10% of market advisers have now left the industry! Major banking institutions have made advisors redundant as a result, and fears there will be a deep contraction in SIPP providers, could very well materialise before the year is out.

So what does this mean? Will Pension charges increase?

Yes, it is very likely this will result in higher charges for those who choose to directly control pension investments via their own Self Invested Personal Pension.

Forcing SIPP providers to increase capital so that reserves reach the FSA’s proposed ten-fold level, could be the final straw that causes some to shut down their operations entirely.

Read more… The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested. The Financial Conduct Authority does not regulate advice on tax planning




SIPPS v ISA: Which Is Best For Saving Tax For Your Retirement Portfolio?

Successfully planning for retirement, should as a matter of course involve limiting your exposure to unnecessary taxes. Doing so should simply be seen as a prudent allocation of your carefully built assets. Tax avoidance is illegal. You should never consider it either because it’s a path only fools tread.

That warning out of the way……

Today we are going to look at the pros and cons of two important types of investments (SIPPS and ISAs) that can help you in retirement.

Read more… The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested. The Financial Conduct Authority does not regulate advice on tax planning




SIPP or SSAS: Which is Best For Buying Commercial Property?

Now January is past, and we may even dare to think of spring, thoughts also turn to buying property for many. Today we consider commercial property.

SIPPS and SSAS are two popular schemes that you can use to buy property but which is best?

Well, let’s consider the differences first…

Read more… The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested. The Financial Conduct Authority does not regulate advice on tax planning




Investment and Tax

The value of pension and investments and the income they produce can fall as well as rise. You may get back less than you invested.

The Financial Conduct Authority does not regulate advice on tax planning.

Call William…

Free from a landline: 0800 321 3508

Or click to call to his mobile : 07803 508187

Financial Advice

William on BBC Radio

Here is an interview William gave on BBC Radio Scotland where he
spoke with Fred MacAulay and Karen McKenzie about Cash
and Investment ISA’s


Listen to the BBC show here

MP3 and PDF Financial Guides

Testimonials

"I have introduced many clients of mine to Billy as I have complete trust in his professional ability." Tom Queen, Solicitor - Thomas Queen & Co. Dunfermline, Fife.

Read more...

We Are CIExpert Affiliate Members

Dates and Times

NOTE: I have been writing articles here since 2007 so please take note the date of the article, because obviously, things like laws or tax allowances etc may have changed since then.

I do try my best to keep up to date, but I'm only an humble advisor and there are hundreds of my financial articles here! Please call or email if you need to double check something. I'll gladly help.

Top