-
Compare
Independent, no-nonsense ratings and reviews
- Tools
- Money Guides
- Money Goals
- Money Tribes
- Articles
- Ask an Expert
Independent, no-nonsense ratings and reviews
Richard | Kent| 05/11/2017 | 3
I am getting long in the tooth at 79, a little forgetful and I am going through a painful divorce. This has shattered my confidence and I need help. The end result is that, folowing pension sharing (as yet not finalised), I am likely to have a much reduced pension (around £16k net). We had to sell and divide the house and I am sitting on c.£210,000. Whilst I was getting pensions pre-divorce of over £27,500 net, the reduction to c.£16,000 is going to be very hard to adjust to, though I appreciate there are folks getting less. At present I am living with a new partner who has a house and is happy to see me as a permanent feature. A friend with a successful finance track record has strongly suggested that I put the £210,000 into ETF fund ISF-L (which basically tracks the FTSE 100), use my ISA allowance and draw down on it over an estimated lifetime of 15-20 years., using the calculator at http://www.vertex42.com/Calculators/retirement-withdrawal-calculator.html. My alternative idea was to buy a holiday let cottage in the West Country, but my friend points out that this can be quite hard work, expensive in maintenance, management and booking fees and just as volatile for capital value as the stock market. Do you have an opinion, please? I am finding it very difficult to make a decision. The stock market seems dangerously high at the end of 2017.
I’m so sorry to hear you’re having such a horrible time and I really hope things work out well with your new partner and you get over the trauma of the divorce. Let me try and help as best as I can in this forum.
I do suggest that you try and find a local financial adviser to talk to. You need to make the money you have work well for you – you should be able to find someone for a ‘sense check’ discussion for a few hours which will probably cost you about £200 an hour but be a good investment. You can also try the Government’s free help service The Pensions Advisory Service. They will be very good on the pensions facts but they can’t give you individual advice on where to invest. Worth a call though to ask all those technical pensions questions to?
With the £210,000 you need to work out what your timeframes are and what you want the money to do. The benefits of an ISA is that you can stick £20,000 into it this tax year and the gains are largely tax free. And the money is accessible.
The fund your friend suggested is what we call a ‘tracker’ fund from the world’s largest fund manager. It mirrors the FTSE 100 as you say. This can be a very good foundation but it doesn’t spread your risk around enough. You’re totally exposed to the rather uncertain UK future! So you should have money invested elsewhere too or all your eggs are in one basket.
If I were you I would have a look at Vanguard. They make funds like the one your friend suggested. But they will also do all the blending of various regions for you. So you don’t have to worry. Search for their LifeStrategy range and have a look at their website. It’s cheap and they will manage the money on your behalf, removing lots of decisions which you don’t sound like you want to make right now. You just have to pick how much ‘spice’ you want. No spice means very little upside. Lots of investment risk will boost returns but it will be a bumpy old ride. The LifeStrategy 60% is the most popular fund – have a read about that.
Now this doesn’t address your need for income. You can also invest in some funds called Equity Income funds which aim to pay you out a regular income, which could boost your pension. Look at the UK Income funds on Hargreaves Lansdown’s Wealth 150 list. As one example, the Artemis Income fund is always popular and has paid out about 3.7% of income a year. So you could split your money into 2 and have a longer-term pot with Vanguard which you just leave alone and a shorter-term income pot with Hargreaves?
Holiday lets are (in my experience) time-consuming and not that lucrative unless you are prepared to put a lot of time into it. And taps leak. And things fall down. And it’s tricky! You sound like you need an easier time in 2018 so I’d be careful with this option.
Finally yes I think the stock market is very high. But we just don’t know what the future holds. It will come off its highs at some point I have no doubt. But I don’t know when. With the 15-20 years timeframes you mention, you can ride out the ups and downs. It maybe leave yourself enough in cash to mean you wont need to sell down any investments for a few years if things do stumble. Leave a cash buffer which will tide you over when the markets are having an ugly year. The best easy access account is paying about 1.3% today. NS and I have an income bond paying 1% and they’re as safe as it gets.
Good luck. I hope this helps. I can’t give you specific personalised advice as I don’t know enough about your circumstances. I do recommend you look for an adviser even if it’s for a sense-check meeting. Unbiased or VouchedFor will point you to advisers near you. I hope 2018 brings you better luck.
We are not regulated to give personal financial advice - This isn’t full-fat regulated financial advice. Boring Money is a publisher and not regulated by the FCA.
This means we can't help with specific personal circumstances or recommend specific investment products. It also basically means that if we say something daft, you have no recourse to come back and complain.
We’re only allowed to give you a steer or share an opinion or tell you the facts - That said, we promise that our answer to you is an independent unbiased perspective with no commercial gain to make. If you need regulated financial advice, you can find a good adviser via sites such as Unbiased & Vouchedfor.
Holly Mackay
Founder and MD of Boring Money, Holly Mackay has been working in the investments space since 1998. She read Modern Languages at Oxford, with a special focus on Mediaeval French which was deeply interesting and arguably utterly useless.
How much income will I need in retirement?
Rory | Ham | 28/08/2020 | 7
My question was about a man offering a 22.2% average return on his stock picking ability. I've tried to find reviews of his services but cannot find them anywhere except on a really old forum of his older product 'Spreedbet Beginner' where people have said they are blocked pretty swiftly on Twitter etc if they raise an issue. What is even more odd is that he cannot be found on Companies House. I would like your opinion on this matter as I have no idea what I should do.
Max | Lincolnshire | 27/08/2020 | 33
I am looking for a new home for my SIPP. I am looking for a SIPP with low charges and which is easy to set up & run, as I am 75 now and keep forgetting I have dementia. Or do you think I should just leave it where it is?
Geoffrey | South Yorkshire | 08/08/2020 | 0
What are your views on Fidelity Multi Asset Income Fund, please? To me it seems to be a stable, low risk fund, paying a good dividend in today's climate but it won't shoot the lights out. Only negative for me is that it seems to invest in a lot of other Fidelity funds investing in UK stuff.
Nigel | Bedfordshire | 06/08/2020 | 3
The charges for my SIPP are around 1.5% per annum. When I look at other SIPP fees they are a lot lower than this. Am I paying over the top in charges?
Andrew | Greater Manchester | 04/08/2020 | 3
When investing across a range of funds, should I be putting the same amount into each fund or tailoring the amount to the % split I'm looking for? What if the platform I'm using has a minimum regular investment? Do I need to up the total investment to cover the minimum on all funds, or rotate which fund gets what each time?
Simon | Nottinghamshire | 29/07/2020 | 1
How can I compare the performance of different tracker funds (e.g. between PensionBee, Nutmeg, AJ Bell)? I want to see their track records.
Vivienne | London | 22/07/2020 | 2
I'm 50 now and hope to retire at 60. I have been paying into Vanguard Lifestrategy for a few months now. I have just 9.5 years to pay in and grow, do you think this is a long enough period to invest in or should I stick with cash if shares and bonds are likely to take a hit in a few years?
Richard | Hull | 25/06/2020 | 49
Is it better to invest with lower fees & no exit charges, or pay higher charges & have no exit fees?
Andy | Hampshire | 20/04/2020 | 5
With China's economy emerging from COVID-19, is now a good time to invest into China? What funds with equities that have a China focus are out there on the market?
Tariq | Lancashire | 09/04/2020 | 5
I am approaching 75 and have mostly saved into cash - should I open a Stocks and Shares ISA for two years and then cash it in?
Dale | UK | 23/03/2020 | 0
I really don’t like this market meltdown during the coronavirus outbreak. Should I sell and just get out?
| 19/03/2020 | 18
Should I still make regular ISA and pension investments in the current COVID-19 turmoil? Or is it better saving to cash?
Andrew | UK | 17/03/2020 | 5
I am confused about financial services compensation: I have a SIPP and an ISA with AJ Bell Youinvest, and am about to inherit a sizeable sum. I am already over the £85,000 financial services compensation limit. Should I be worried? Should I set up accounts with multiple platforms, to be covered by the compensation scheme?
Emma | London | 22/07/2019 | 3
I am torn between investing in my ISA, and putting money into a personal pension. I know about pension grossing up, and the 25% tax free cash. However I will inevitably pay tax on the 75% which is not tax free. Whereas with the ISA, I don't get the grossing up benefit, but won't pay any tax. What do you think?
Christopher | Staffordshire | 18/07/2019 | 3
I'm thinking of moving into a drawdown SIPP, taking my 25% and leaving the rest invested until I need a regular income in my mid 60s. I am trying to find a financial adviser willing to review my plans, but they all want an ongoing relationship. Where can I find an adviser who will do a one off review? Also I am unsure whether financial investment protection is per fund or per SIPP.
Susan | London | 16/07/2019 | 17
I am looking at consolidating my different pension pots. My main concern is - will I lose out by transferring my Civil Service pension to a new place? By the way, I am loving Boring Money! I’m really keen to start taking control of my finances and it’s proving so helpful... not making me feel like a clown for not understanding all the financial faffery! Thanks!
Hannah | Herefordshire | 08/07/2019 | 0
In 1988 I opted out of SERPS and proceeded to set up a With-Profits Personal Pension Plan with Equitable Life. Fast forward to now and I've recently received a 'proposal' from Eq Life. I don't really understand whether this is a proposal I should give my approval to as I don't understand whether I will potentially gain or lose from the changes stated.
Tori | Buckinghamshire | 04/07/2019 | 2
I am thinking of setting up a SIPP to diversify my investments and spread the risk. I'm nervous about doing my own investments, so I don't really know where to begin. Are there SIPPs which do it for you? Or if not, should I continue investing in my previous workplace pension?
Holly | Sussex | 03/07/2019 | 0
I am not a tax payer as I do not work. Will the Government pay any money into my private pension?
Mrs Khan | Essex | 02/07/2019 | 0
I have opened my first Stocks and Shares ISA, and have a company pension on the new standard 5%/3% contributions. I have enough easy access savings to cover emergencies so I was wondering what would be a next good step, add to S&S ISA or open a SIPP for retirement?
Kevin | Strathclyde | 14/06/2019 | 13
I work for my company which funds my SIPP directly. I will be receiving compensation in the coming months - is it possible to pay SIPP contributions from the compensation payment? If pension significant contributions are not possible, what might we consider when looking for a tax efficient home for the compensation?
Andy | Lancashire | 12/06/2019 | 3
I am a self-employed sole trader. Would my pension contributions count as a Business Expense, incurred in running a small business?
Anna | Warwickshire | 11/06/2019 | 8
As a U.S. passport holder as well as a British citizen living in the UK, are there certain things I can't invest in?
Megan | Scotland | 11/06/2019 | 0
I have been putting £50/month for each of my two children into a pension with Hargreaves Lansdown. In light of the costs of investing highlighted on this website, should I move to somewhere with lower charges, or stay-put? Alternatively, would I be better to put money into a Lifetime ISA for each of them instead?
Stuart | Cambridgeshire | 06/06/2019 | 4
I’m in my 30s and live in London. I have savings in cash but I’ve never tried any ISAs, stocks etc. before. I am looking for some suggestions as to the types of products I should use to begin investing. Instinct is telling me to keep 50% of my savings in a safe investment, 30% in a medium risk investment, 10% in higher risk, and keep 10% for emergencies. I’m making nothing keeping the cash in the bank!
Lisle | London | 30/05/2019 | 5
How can I find out how my Aviva SIPP pension is performing against the competition? I'm 51. The fund value is £161K and it was opened a year ago. Appreciate any tips.
Danny | London | 30/05/2019 | 1
We currently have a Scottish Mortgage fund with Baillie Gifford. But we’ve received a letter stating that they plan to transfer us to Hargreaves Lansdown. Is this a good idea or should we look elsewhere? - Charles Stanley Direct, for example?
Matthew | London | 30/05/2019 | 4
I have minimal pensions and would like to start a new pension to save for the next 12 years. I've already set up a Stocks & Shares ISA with Nutmeg, so would like to start my pension with another provider. Which would you recommend?
Sam | Norfolk | 30/05/2019 | 0
I’m thinking about investing £1000 in Sirius Minerals. I would like some advice on whether this is too small an amount to get any gains from. At the moment I would be leaving it in for the long term of 5-10 years. I do realise that no dividend is being paid.
Adam | Cleveland | 30/05/2019 | 0
I have two pension pots, one of which is a stakeholder - this one is currently worth £120,000 - the other is approximately £50,000. I will be 60 in 4 years time and am anxious that my pots may not be growing fast enough. I currently input £300 per month into the Stakeholder. I do not intend to access either of these accounts until I am 65. Can I combine both these pensions, or should I leave them as is? I would appreciate an opinion on this. Many thanks, Maggie
Maggie | Gloucestershire | 29/05/2019 | 0
Hello, I already have a workplace pension. Can I also have a private pension? If so, I have a LISA as well. Can I have all three in place?
Precious | Surrey | 23/05/2019 | 0
I am a self-employed 55 year old, with only a state pension. What can I do to increase my money for retirement?
Sandra | Dumfries and Galloway | 21/05/2019 | 1
We have just retired to France. Our pensions cover our expenses but we also have £230k which we would like to invest for a monthly income. Could you please explain the low-risk options we might want to consider?
Keith | France | 10/05/2019 | 2
I'm in my very early 20s, and earning well. I have no debts or dependants. I have a Stocks and Shares ISA, and am weighing up the pros and cons of a General Investment Account vs a Private Pension. What should I keep in mind?
Cecily | Berkshire | 08/04/2019 | 4
My parents (father since died) put money into Halifax 'Money Fund'. This then apparently changed to some form of 'investment'. I noted in January 2019, that a letter had been sent just under 3 years previously, advising that this was not the best place for their money. I made contact and complained. What can we do, as this money may as well have been under their mattress? It was originally mis-sold.
Maureen | Gloucestershire | 04/04/2019 | 0
I intend to retire in autumn, aged 60 and would like to leave my son and grandson as comfortable as possible when I'm gone. I have talked with several IFAs, but given my risk adverse nature, their fees seem to eat up most of the benefit they offer. Do IFAs normally bring sufficient benefit to low risk strategies, to make it worthwhile? Or am I better off cautiously investing myself, and saving the fees?
Stephen | North Yorkshire | 01/04/2019 | 0
I have two separate company pensions from previous employers. For the last 12 years I have not contributed to a pension. I am now 44 and know I need to put money into one. I'm not financially aware and the robo providers sound tempting but, obviously, I want the possibility for the best return at medium risk. Your Q2 2018 results update showed Nutmeg’s Portfolio 10 as returning different figures than the Best Buys page for Nutmeg says. Why are these figures so different? Is Vanguard Lifestrategy 60 a good choice, though they don't have a SIPP.
Dave | West Yorkshire | 26/03/2019 | 0
I am self employed (40) with no private pension, earning £50,000 a year. I have savings and can make a lump sum investment. I know nothing about Stocks or Shares. What is the best way forward for pension and tax reduction? Desperate Anna
Anna | London | 25/03/2019 | 0
My pension SIPP has an annual charge of about 2%. Now that I am in monthly drawdown, I'm interested in exploring alternative providers to lessen the charges, since future returns look like being lower than they have been in the past.
Michael | London | 25/03/2019 | 0
When I retired in 2018, I considered consolidating my pensions for income drawdown. Recently I spoke to an advisers aligned to the investment philosophy of Albion Strategic Consulting, but was scared off again. I understand the basics, but am now totally unsettled as to the direction I should take and if, at such a critical stage, I should invest in an IFA on a regular basis.
Rob | Hertfordshire | 20/03/2019 | 3
My Fundsmith accumulation Class 1 investment fund has done well over the last 5 years, and its share price today is just about the highest it's ever been. Should I bank it now in case it goes down, or leave it and diversify by reinvesting monthly elsewhere in another fund?
Peter | Stockport | 18/03/2019 | 0
My 60 year old mum is not very financially literate and has has no private pension. She has approximately £900k to invest, from which she will need to draw down c.£40k a year for life. She is not very financially literate and would not be able to proactively manage the money herself. Would you favour an Independent Financial Adviser or a Robo Adviser for someone in her position? Thank you!
Harry | Kent | 11/03/2019 | 1
If my son increases his pension contribution, I have read it may affect the amount he can borrow on a mortgage. Is this correct? Should he take a SIPP out as well? Is there any advantage in maxing out his managed Nutmeg Lifetime ISA in the next financial year?
Richard | Hertfordshire | 06/03/2019 | 3
I am 65 and still working. I have a workplace pension, which was closed and replaced with a retirement saver pension. I contribute to this via salary sacrifice. I also have a personal pension serviced by an IFA. Should I move my personal pension fund to a SIPP provider at this late stage of my life? I would like to consolidate the workplace retirement saver and personal pension fund together and manage it myself.
Den | South Yorkshire | 27/02/2019 | 0
Trying to get a bit more pro-active with my pension. If my money had been in an online managed fund like Nutmeg for example, is it reasonable to assume that as the markets fell last year the funds would have been managed in real(ish) time to limit the damage? If so, is it therefore a no-brainer to transfer my pension to an online managed pension or is it not quite as simple as that?
David | London | 08/02/2019 | 4
With a SIPP in drawdown would a company like Netwealth whose investment management fees are of the order of .66% of the value of the portfolio, be a better option compared to companies like Hargreaves Lansdown or Investec? What are the relative benefits of Netwealth over the more traditional wealth managers?
Steve | Lancashire | 22/01/2019 | 7
I've been reading recently about how investment trusts are much the same as funds, but are cheaper to own. A: Is this true? and B: Do you have an article on Investment trusts on your site?
Nick | Surrey | 16/01/2019 | 11
Hello, I really enjoy your website and find it useful and concise. My question is, what is meant by long term savings? I am 54, so what should I consider to be an appropriate time frame for any investment I make, that could supply the best results?
Jennifer | Essex | 16/01/2019 | 11
From my retirement I received a lump sum of money and a monthly pension. I have £100,000 that I do not need for the foreseeable future... One of my main concerns with Financial Advisers are their costs... All I want is simply to see this money grow to its potential, sensibly and above inflation... Therefore my next thoughts are Stocks and Shares ISAs... My only concerns here are the current Brexit problems - I saw the FTSE drop this past week. I cannot find any information out there to assist with my decision making if this is certainly a good time to invest... I am aware that I can place £20,000 for this year. Come April 2019 I place another £20,000 and so on until the £100,000 has been utilised. Do I have to place it into the same fund or can I choose another different fund with a different company?... Please can you help to ease some of this burden, which has proved an awful part of my retirement and made me frightened to spend any money.
Katherine | Derbyshire | 02/01/2019 | 0
I’ve been investing in Nutmeg’s Risk 10 profile for three years which helped my deposit for my house. I am now wondering whether to use Nutmeg again, or should I use LifeStrategy for my £1000 per month? Is there a difference between Vanguard's LifeStrategy option and let’s say a well known robo adviser like Nutmeg? I am still a beginner and would like to keep things simple, but happy to take risk and prepared to leave my investments for a long time.
Jordan | Surrey | 26/11/2018 | 19
I was lucky enough to inherit a significant sum from my father... currently in Alliance trust platform in 10 investment trusts. They have delivered well in the last 20 years. But they are UK equity based. And highly risky. Do you offer a sanity check service for confused individuals like myself? I don’t know what to do...
Paul | Berkshire | 12/11/2018 | 2
I am 25 and starting to seriously financially plan out my future. I would really welcome a 'sense check' on my thinking as well as some help on which investment choices to make. My goals are: To invest for 15 years - my risk appetite is very high (i.e. I could afford to lose all my money). Goal 1 - More Important: To have an investment pot of £1,500,000. Goal 2 - Less Important: To be mortgage free. My plan is: 1) Open an annual Stocks and Shares ISA each of the next 15 years. 2) Open Share trading/dealing account. 3) Reduce my mortgage term to 6 years by 2025. I appreciate the above is a lot to go though, but I'd welcome any help and guidance.
Mo | London | 15/10/2018 | 5
I am a 30 year old British expat living and working in the Netherlands. I worked in the UK for 5 years but to my knowledge I did not have a work pension of any sort. I've been working in the Netherlands for the last 4 years, and again have no pension (my company does not provide anything). I'm getting increasingly worried about my future retirement and my lack of any kind of pension. Firstly, I am not sure what - if any - state pension I could receive (either from UK or Netherlands) but I assume not much. Secondly, I'm ready to start investing on a monthly basis into a private pension fund, but I have no idea what the best option for me would be. Really lost and confused, and would really appreciate any advice you might have.
Lucinda | Kent | 09/10/2018 | 0
My wife, 56, is still working but has a final salary scheme which she is drawing as well - currently £26k per annum. Her current employer's pension scheme is defined contribution, and her fund stands at £1.050m. Therefore, her total pension is around £1.57m. We protected her Lifetime Allowance at £1.25m, but all growth will now be taxed at the excess rate. My idea is to take the 25% tax free amount out of the defined contribution pot, and reinvest it in the same funds as the pension. This will then remove growth on the 25% from the excess tax rate to a capital gain when sold, thereby saving a considerable amount of tax. Am I right?
Rod | Hampshire | 05/09/2018 | 1
Can you advise me on the best approach when looking to invest in a product that offers compound interest? I’m thinking about funds rather than bank accounts. I also have 4 different pensions on the go. Should I keep them separate to diversify the risk? Or consolidate them? How will these pensions be treated when I retire? Will they be considered in aggregate by the tax man?
Craig | Clackmannanshire | 16/08/2018 | 2
I have about two thirds of my ISA in funds with Charles Stanley Direct and about one third left with St James's Place. I was planning to transfer the remaining one third to Charles Stanley Direct. However the recent platform price increases seem to put me in the worst position possible. After Charles Stanley Direct's fee increase, could I do better elsewhere?
Gerry | Bedfordshire | 15/08/2018 | 7
I invested my money in a St James's Place managed fund, split into ISAs and bonds, after advice from an adviser who was a St James's Place partner. My investments have done reasonably well, but I've read disturbing reports about St James's Place. Should I have concerns? Should I have found an independent financial adviser?
Glyn | Essex | 09/08/2018 | 8
I wanted an investment trust with an income, so I put £10,000 into The Investment Company. It delivers a reliable quarterly dividend but the capital value has dropped by 10% since I invested 2 years ago. What are your favourite investment trusts?
Fran | Greater London | 08/08/2018 | 4
Is there an average number of funds that one should ideally hold? I have in excess of 20. I am happy with my portfolio and coverage, but wonder if I have too many funds. The second part to the question is how long should you leave an underperforming fund?
Richard | Hertfordshire | 06/08/2018 | 4
I am 73 and cautious. There are two areas that your advice would be helpful..what if you just spend thousands on buying the gold standard footsie companies like shell and the rest and keep them for five years and then cash them in ?
DB | UK | 24/07/2018 | 6
I'm nearly 30 and looking to open a private ready made pension, and also an investment ISA for retirement funds or towards a property, but very unsure what risk level to choose (low to medium, or medium to high)? Any comments or advice welcome.
Susan | West Midlands | 24/07/2018 | 2
My wife needs to set up a SIPP with a good value, low cost, low maintenance underlying investment portfolio. We want a good mobile app from a well respected provider. Where can we see the options and directly compare historic returns so we can make a decision?
Guy | Hertfordshire | 17/07/2018 | 1
I hope you can help. I recently consolidated two modest pensions into a SIPP in readiness to start UPFLS drawdown in May (2018). Whilst I was hoping for growth in my investments I wasn’t expecting it to rocket and now find I could well be looking at exceeding the lifetime allowance, possibly even before my first annual drawdown in May, and I’m unsure what, if anything, I should do.
John | London | 03/07/2018 | 11
Hello Are there any specific pensions you would recommend, with low charges, which I can set up for my 11 yr old son? I am already paying the maximum into a Junior ISA. Anita
Anita | West Sussex | 18/06/2018 | 3
What are the differences between income and accumulation income funds? How do you declare income reinvested in a fund on your tax return?
C | 05/06/2018 | 1
Can you recommend some very basic books for a 69-year-old widow who is now having to manage her money?
Martha | 12/04/2018 | 0
Hi, I've got an old D.B. pension, approximate value £12k. I would like to invest & top up each month. Who would you recommend? Also I would like to make an investment, & don't know where to start? Thanks
Eve | 04/04/2018 | 5
I am post-divorce with a good settlement which I have only partially invested. Are there any courses you can recommend? I have sat in a number of meetings with accountants and financial advisers feeling somewhat patronised! I am sure that there are plenty of women in a similar position to me (aged 55!).
Eavan | Ireland | 14/03/2018 | 3
How can I find a good financial adviser?
Byron | Greater London | 01/03/2018 | 1
I am a 59 yr old retired lady with no income but I have reasonable equity..is it worth starting a pension or is it too late?
LL | Norfolk | 06/02/2018 | 2
I am very lucky to have just received a gift which I want to invest for our retirement. My husband and I aim to retire in around five years. We have 11 more years of school fees to fund, then hopefully university fees for two after that. I've put together a plan for us - can you have a look and see if it makes sense?
Fiona | UK | 18/01/2018 | 6
Can losses in a pension SIPP be offset against anything?
Henryk | Hampshire | 17/01/2018 | 1
We have four grandchildren (2 English living in UK, and 2 Irish living in Eire). We have decided to start savings plans for their futures. Their ages are 18yrs, 11yrs, 8yrs and 4yrs respectively. My age is 75yrs, and my wife is a little older. What should we do, please?
John | Buckinghamshire | 01/01/2018 | 1
I am already receiving a pension from a final salary scheme and I am retired. I have a sum of money I want to invest. Can I start another pension as a saver and, if so, how much can I put in every year?
Collette | Greater London | 25/11/2017 | 0
I am a 59 yr old retired lady with no income but I have reasonable equity..is it worth starting a pension or is it too late?
LL | Norfolk | 10/11/2017 | 2
I have just sold my house and have a significant sum of money I want to invest. I may want to draw some income but also want to achieve capital growth. Are there funds that aim to achieve both or should I just invest for growth and draw money as I need to for income?
Jon | Surrey | 13/09/2017 | 1
Please help me. Choosing a pension from Aviva. It asks if I want growth or income? Which one do I choose ? I'm 46 .
Ria | Greater London | 11/09/2017 | 9
Which is better - property or pension?
Paul | Greater London | 07/09/2017 | 0
I am confused about index funds, e.g. Vanguard Equity fund. Do they track an index or include the yield? In the case of Vanguard, their low cost is attractive but their portfolio is made up of other Vanguard funds. I assume these probably each carry a fee structure - is this correct?
Robin | Gloucestershire | 03/09/2018 | 0
Is it worth using a financial adviser when it comes to switching pensions funds, or should I do the research and pick the funds myself? I am no expert in stocks and shares.
Helen | Dorset | 10/08/2018 | 4
I use H&L and although they are a bit 'plumy' on the phone I quite like their website and the costs are OK. So I was thinking of H&L for [my son]. I would be telling him to open these two funds and regularly invest and forget about them for 10 years!
R | Greater London | 29/05/2018 | 1
Why should I bother with paying into a pension at my age of 55 years now when I have never had one?
Tee | Greater London | 07/09/2017 | 7
What funds could my millennial children invest in?
Anthony | Greater London | 06/09/2017 | 2
What are the changes with pension annuities? My mother in law has asked as her retirement is looming. I've read in the press it's changing but it all feels confusing. I just need some simple clear advice. Thanks
Keith | Greater London | 06/09/2017 | 2
Our free weekly blog with Holly's
no-nonsense opinions, tips & food for thought.
If you change your mind, you can unsubscribe at any time. We'll never share your details and you can unsubscribe any time.