What Is An AMRF?

As I’ve said before, pensions are boring, complicated and full of jargon. But as they are central to how comfortable (or not) our retirements will be, it’s really important to know the basics. If you have a private pension (ie, anything other than the State Pension)...

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What Is An ARF?

Let’s face it, pensions are boring, complicated and full of jargon. Unfortunately they are also very important to our wellbeing so whether we like it or not, it’s important to know the basics. If you have a private pension (ie, anything other than the State Pension)...

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My Budget 2019 Wish List

Avoiding the big picture question of whether the government should tax more/less or spend more/less, this is my Budget 2019 Wish List. It’s in no particular order and is definitely not comprehensive – it’s about ending anomalies that have never made sense to me (from...

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Moneysmart Investment Philosophy

Investing money demands care and consistency. Our investment philosophy consists of six golden rules based on global best practice which we apply to every client portfolio. 1. Have a Plan and a Process A stable decision-making process through boom and bust eliminates...

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A goal without a plan is just a dream

Why You Need a Financial Life Plan Many financial problems are a result of poorly planned, badly researched and over-emotional decisions. Having a Money Smart Financial Life Plan will help you to: 1. Take the first step towards making your dream a reality Our planning...

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Too Much Cash

The late Ken Dodd once revealed (in court) that he kept £336,000 in cash stashed in suitcases in his attic. I have two immediate thoughts on this story. First, he is not the only one whose wealth is less than it should be as a result of being incredibly risk averse as...

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What Are Binary Options?

The UK financial watchdog recently warned that hundreds of thousands of pounds are lost every year to investment scams. Last month I blogged about How To Spot A Scam. This month I want to concentrate on a growing segment of this ‘market’, binary option scams. So, what...

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How To Spot A Scam

The golden age of the internet has given us ease of connectivity and instant online payments. No wonder it’s also the golden age of the scammer. Here are a few tips on how to spot a scam … You are promised investment returns that are too good to be true. You are asked...

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How To Invest

The question of how to invest is an important one, never more so than in a time of stock market turbulence. 2018 has seen one of the US stock market’s worst ever days, followed by a six day rally, but all adding up to a resurgence in volatility. So, how to invest (and...

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