Pensions fever and April Fools day

It was good while it lasted. A month away from the telly. Regular readers may recall I sent out February's Letter early last month so I could relax on the long break we'd planned in New Zealand and...

Avoid the stampede in rush for pensions cash

How do you explain this? A Government website, where over 65 year olds desperate for fixed and guaranteed growth can order the new Pensioner Bonds, crashes thanks to the overwhelming demand for taxable returns no higher than 4%...

How to Win Friends and Influence Voters

If the Chancellor was wondering how to raise income tax and be feted by the "grey vote" and personal finance journalists, then he struck lucky. His announcement of pensions and tax freedoms for thousands right before the next...

Nobody stays in Scotland for the weather

OK. Hands up those that think Scotland will have lower rates of Income Tax in the future once the Smith Commission recommendations are enacted. No? Me neither. In fact if you do have your hand in the air...

Retirement Planning - The Long and Winding Road

Have you noticed the older you get, the more difficult it is to remember when it was that something happened, even when it had a big influence on you, or how you thought about things? Was it 10...

As Halloween approaches Trick or Treat

My earliest memory of Pensions was in April 1969 when I was interviewed at Scottish Widows trying to convince them that on leaving University I should be snapped up before their competitors beat them to it. With a...

Spoilt for choice

Some months it is difficult to come up with topics for this missive, but not this time. Do I write about the changes to pensions on death that were announced a couple of weeks ago, the new Scottish...

UK Pension Reform Learn More About the Ch-ch-ch-ch-changes

When I first started in the savings industry on leaving university with a penchant for numbers and some added skills in snooker (I was quite good at spotting angles) the investment and pensions industry was dominated by big...

George Orwell wasnt alone

Spent a week earlier this month in Ibiza ... the Party Island ... as everyone reminds me. "Going clubbing then?" That's the usual response. Despite going there for 37 years because 95% of the island is genuinely idyllic,...

Why annuity rates wont go back to the Seventies

The Telegraph Saturday 10 May 2014 By Dan Hyde Annuity rates hit double figures when Ted Heath was in No.10. But even a rise in interest rates wouldn't bring those days back Savers in their 50s and 60s...