Investing
Careful What You Buy
For years there has been a debate over which is better, a cheap passive tracker or a more expensive actively managed fund. In the adviser world you have advocates for both. RHL – Active Investing Here at RHL, we fall into the active camp, and the performance of our strategies has compared very favourably with…
Read MoreBudget 2026 – Where Do We Go Now?
Budget Day 2026 leaves everyone a little underwhelmed… A Budget can leave households better off on their energy bills while quietly making their savings work harder to stand still. For clients, that is the tangible tension in this year’s announcements. The opportunity is to revisit where wealth is held, how retirement income is drawn and…
Read MoreHomeless in Retirement? The country is facing a quiet crisis.
Is the country facing a quiet crisis? Can careful financial planning stop it? I saw a scary statistic came out recently. The number of households aged 55-64 who are privately renting jumped a whopping 82% in the last 18 years. That figure rises for 45-54 year olds which is up 98% and 65-74 year olds…
Read MoreIHT and My Pension – What is Going to Happen?
What is Changing? Simply put, IHT will be levied on most DC pensions from 6 April 2027. Right now, they aren’t. What is astonishing is that HMRC have not fully published their guidance on how this will work. This hasn’t stopped people making big decisions about their estates now though. Why would it. In this…
Read MoreDoes Britain Need Stabilisers?
David Cameron. Theresa May. Boris Johnson. Liz Truss. Rishi Sunak. Keir Starmer. Andy Burnham? Britain is heading for its seventh Prime Minister in the last decade. Prior to David Cameron, Britain’s previous seven Prime Ministers spanned from Ted Heath in 1970 to Gordon Brown in 2010. Forty years of, what is now looking like, stable…
Read MoreIHT Planning and Pension Tax Free Cash
Since 2015, pensions have been the best Inheritance Tax planning tool available but, as we all know, the Chancellor is set to change that from 6th April 2027. From 6th April 2027, income tax and IHT will apply to what your beneficiaries take from your pension pot after you die. With all the potential ramifications,…
Read MoreWhat May 2025 Hold?
What May 2025 Hold? Firstly, may we wish everyone a Happy New Year. Hopefully, it will be healthy and prosperous too. What may 2025 hold? We start 2025 with ongoing geopolitical uncertainty. The war in Ukraine rumbles on and Israel continues its fight with Hamas and Hezbollah. This is as it was in January 2024,…
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