Which is better NISA or pension? That really shouldn’t be the question

So will the NISA with its new superpowered £15,000 limit eclipse the pension? Should you as an investor be investing most of your hard earned cash in the new wrapper? It certainly sounds like the NISA has much to recommend … Read More

Posted in NISAs, Pensions | 1 Comment

Bank of England set to grab more powers to calm house prices. What does it mean for borrowers, savers and investors?

The Bank of England is determined to calm the housing market and also determined to find ways of doing so using tools other than interest rates. These days, the Bank and the assorted team of regulators are full of acronyms. … Read More

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There are more income fund managers in the world than Neil Woodford and Mark Barnett

One of the easiest things to predict in fund management is that the next 12 months will bring an extraordinary amount of money flowing into Neil Woodford’s new fund. The less easily answered question is how much his successor at Invesco … Read More

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Retirement guidance has to be designed around real people (not theoretical ones)

Do consumers really care what sort of advice or guidance they receive about their retirement as long as they ultimately do the right thing with their retirement money? The Treasury consultation about such guidance ends today and all manner of … Read More

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The election really shouldn’t be a factor in interest rate policy at the Bank of England

No Monetary Policy Committee member is an island as the poet John Donne did not quite say. Yet the members of the Bank of England’s interest rate setting committee do not exist separate from the country in which they reside … Read More

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Queen’s Speech notwithstanding – do we really need another species of workplace pension?

Do you fancy going Dutch for your pension? Or maybe Danish? The Queen’s Speech includes provision for the creation of Defined Ambition pensions modelled on schemes available in the Netherlands and Denmark. This type of scheme pools and invests money … Read More

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TSB can be a genuine challenger bank though income investors will want to see a dividend

In many ways, it is a shame that TSB does not intend to pay a dividend until 2017. The emerging identity of TSB (actually not unlike its former identity in the 1980s for those who can remember) might have had … Read More

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Buy and hold Royal Mail? Amid competitive and regulatory uncertainty, maybe the profit takers were right

So has the reality of a private company with a huge public service obligation finally become clear to investors in Royal Mail (LON:RMG)? The government, quite rightly, wants Royal Mail to face competitive pressure. All things being equal, competition delivers … Read More

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Lloyds’ move to restrict income multiples on bigger loans shows a market alive to the risks of housing bubbles. But will it make a difference to booming London?

Lloyds Banking Group, the largest lender of mortgages in the UK, is making its own contribution to controlling surging London house prices as the BBC  reports. Borrowers seeking mortgages above £500,000 will not be able to borrow more than four … Read More

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Saga Group’s potential over-50s investors will be interested in the divi policy but need to think about its debt profile too

Just because Saga’s business is aimed at the over 50s, doesn’t mean the stock is going to be worth buying if you are over 50 yourself. But of course, it may well be. The news of the Saga IPO with the firm … Read More

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