Author: Mark Penston

Safe as Houses

By Mark Penston The current ‘Baby Boomer’ generation have generally made good gains from property. Many also have good company pensions, making this generation wealthier than ever before. But has…

Read more
Borrowing to make things good

Borrowing to make things good.. It’s a concern to read that debt levels are increasing again to levels seen in 2008 when the UK experienced a financial crisis.  The FCA…

Read more
Changing times?

Changing Times? The UK stock market fell today amidst concerns that the UK economy might be in for a tough ride.  Brexit uncertainty, falling retail sales and the possibility of…

Read more
Property or the stock market?

Property or the stock market? We recently wrote an article on the increase in the UK’s pension wealth being greater than the increase in individual’s property wealth since 2008. As…

Read more
Time in or timing the market?

  For many people, the thought of investing in the markets can be scary, perhaps even more so when the stock market reaches an all-time high as the UK and…

Read more
Pension cost of delay

Pensions – Start saving now! The Sunday Times reveals some interesting figures on the cost of delay when starting saving towards your retirement. If you want an annual income in…

Read more
Sustainable Income

What is sustainable income? In an endeavor to simplify a complex area some financial institutions publish what they believe to be the ‘safe’ withdrawal rate that can be made from investments…

Read more
Pension Transfers

Transferring from your company pension – or not…. Recent changes in the way many final salary pension schemes are valued have led to a significant increase in the resulting values….

Read more
Pension Planning

  It’s a bit of a recurring theme I’m afraid, but then it is part of what we do! As I write we are in the busy, end of tax…

Read more
State Pension Triple Lock

State Pension Triple Lock – A guarantee that might not be! Introduced in 2010 the Triple lock guaranteed to increase the State Pension each year by the higher of:- Inflation Average…

Read more