Defining ‘rich’, happy retirement, & snap election

Welcome to the latest roundup from our experts and thought leaders here at Informed Choice, with latest news and unique insights from our team.

Martin Bamford – Brain wonder drug excites the experts
One consequence of our ageing population is a sharp increase in the number of neurodegenerative brain diseases in later life.It’s important to note that Alzheimer’s disease and other dementias are not a part of normal aging.However, dementia is… Read more

Nick Bamford – If you earn this much a year, you’re ‘rich’
With a general election approaching, attention is turning to wealth and taxes.Shadow chancellor John McDonnell has caused a little furore, speaking on the Today programme yesterday about his vision for a fair taxation system.McDonnell defined ‘the… Read more

Shelley McCarthy – How much should you be saving for a happy retirement?
The consumer group Which? have published some figures which suggest couples who want to enjoy a happy retirement need to save at least £131 a month from age 20 onwards.The cost of delay is also illustrated in their research, with a couple aged 30… Read more

Martin Bamford – What does the snap election mean for your investments?
Theresa May has called a ‘snap’ general election for Thursday 8th June 2017.The proposal requires the vote of two-thirds of MPs, a vote which will take place tomorrow and Labour have already said they will support.Announcing her plans for a snap… Read more

Shelley McCarthy – Passing on the property ‘wealth mountain’
With wealth ownership concentrated in a relatively small part of the older population, one of the financial planning challenges faced by many families is how to pass it on to future generations.According to insurer Royal London, more than £400bn… Read more

Nick Bamford – Which path will you follow in retirement?
This article describes the six major paths people tend to follow in retirement. As the author explains, your chosen path in retirement might not always be a straight line; in our experience, it’s common to experiment with different paths in… Read more

Martin Bamford – Trying to avoid care fees doesn’t work
The BBC are running an interesting story today, looking at why trying to avoid care fees by placing property in trust usually doesn’t work.The practice is regularly promoted by unregulated advisers who sell expensive trust products to vulnerable… Read more

Our latest podcast episodes

ICR203: When is the right time to sell?

ICR202: Holly Johnson, Zero Down Your Debt

ICR201: David Orrell, The Money Formula

Before you leave…

We are pleased to report that Informed Choice is a finalist at the Eagle Business Awards 2017, for the Digital Innovation Award.

This award recognises organisations who have demonstrated innovative use of digital technology to improve their business.

The winners are announced on 4th May during a ceremony at Mercedes Benz World. Watch this space for more news!

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Gold in the garden, happy pensioners, & hard Brexit plans

Welcome to the latest roundup from our experts and thought leaders here at Informed Choice, with latest news and unique insights from our team.

Shelley McCarthy – Cash in the mattress & gold in the garden
We’ve all been tempted to stash some cash under the mattress, but this story takes that concept to a whole new level!Ron (who sensibly keeps his last name a secret) buried £850,000 of gold in his large back garden.Since buying and burying the… Read more

Nick Bamford – What makes pensioners so happy?
We’re getting older, but we’ve never been happier.That’s the conclusion of an extensive new study by the Royal Voluntary Service, which found 63% of over 70s are happier now than they’ve ever been.The survey also offers an interesting glimpse into… Read more

Martin Bamford – Why are so many care homes failing?
The findings in new analysis of Care Quality Commission inspections, carried out by the charity Independent Age, are really disappointing.In summary, older people are being forced to live in unsatisfactory residential care homes in some parts of… Read more

Martin Bamford – Price inflation remains at 2.3%
After a big leap last month, price inflation has remained steady at 2.3% in the latest figures from the Office for National Statistics.Despite rising food and clothing prices, the Consumer Prices Index (CPI) measure of price inflation remained at… Read more

Martin Bamford – Dilnot urges social care rethink
Sir Andrew Dilnot has used a Resolution Foundation lecture to call for funding of a new, non-means tested, social care guarantee.Dilnot led a commission which reviewed government funding of adult social care in England, originally proposing the… Read more

Martin Bamford – Hard Brexit contingency plans
The Bank of England has asked financial firms to disclose their Brexit contingency plans, with a warning that a ‘hard Brexit’ would cause major economic harm.The requirement to submit a contingency plan comes from the Bank’s Prudential Regulation… Read more

Our latest podcast episodes

ICR200: Past, present & future

ICR199: Lorenzo Fioramonti, World After GDP

ICR198: Ryan Biddulph, Blogging From Paradise

Informed Choice in the press

‘Exasperating’ annual allowance is driving high-risk pension alternatives
Martin comments for Money Marketing   Read more

FCA to use eye-tracking to foil misleading adverts
Nick comments for FT Adviser   Read more

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Pension taper zone, three day weekend, & pound sterling bounce back

Welcome to the latest roundup from our experts and thought leaders here at Informed Choice, with latest news and unique insights from our team.

Nick Bamford – Are you caught in the pension taper zone?
With the start of a new tax year tomorrow, one pension change being introduced is a reduction in the money purchase annual allowance, from £10,000 to £4,000. This lower annual allowance applies to anyone who has flexibly accessed money purchase… Read more

Shelley McCarthy – What would you do with a three day weekend?
This is an interesting proposal from the Green Party. Appearing on BBC One’s Andrew Marr Show on Sunday, the co-leaders of the Green Party explained their proposals to introduce a three day weekend. Jonathan Bartley and Caroline Lucas presented the… Read more

Martin Bamford – Lasting and enduring power of attorney fees reduction
At the start of this month, the registration fees for lasting powers of attorney (LPA) and enduring powers of attorney (EPA) were reduced.Effective 1st April 2017, the fee was reduced from £110 to £82. The fee for re submission was reduced from… Read more

Martin Bamford – Will the Pound bounce back this year?
I’ve still not managed to get my hands on the new £1 coin. Despite asking at the checkout at every shop I visit, this new coin appears to be rarer than hen’s teeth. Perhaps they just haven’t made it down to Cranleigh yet? When it is acquired for my… Read more

Shelley McCarthy – 5 things you didn’t know about the new inheritance tax allowance
This article from Money Observer is a useful reminder of some of the key features of the new inheritance tax allowance on property.From next week, individuals start to receive an additional nil-rate band for inheritance tax on their home, known as… Read more

Our latest podcast episodes

ICR195: Gayle Roberts, Room for Profit

ICR196: Sandra Navidi, Superhubs

ICR197: How to master the savings habit

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Monthly Investment Update – April 2017

Monthly Investment Update – April 2017In our latest monthly investment update for April 2017, we look at how the investment markets, global economy and commodity prices are performing.

The FTSE 100 index of leading UK company shares finished March at 7,322.92, rising by 59.48 points or 0.82% during the month.

Markets largely ignored the official Article 50 notification that the United Kingdom is leaving the European Union, suggesting this stage of the Brexit process was already priced into market valuations.

Despite modest monthly performance, global equities delivered a strong quarterly performance. In the US, the S&P 500 Index was flat over the month but advanced for a sixth consecutive quarter, rising by 5.5%. The Nasdaq Composite, which represents technology stocks, returned nearly 10% over the past quarter, marking its best quarterly performance since the end of 2013.

Business sentiment in Japan is improving, according to the latest Tankan survey from the Japanese central bank. The index rose to +12 from +11, representing its highest level since December 2015. This is a closely watched economic indicator which reports on sentiment amongst big manufacturers in Japan.

The performance of the UK manufacturing sector appeared solid at the end of the first quarter, according to the latest Markit/CIPS UK Manufacturing Purchasing Managers’ Index.

Rates of expansion in output and new orders lost further impetus following recent highs, but remained above their respective long-run averages. The domestic market performed well, with the boost to export competitiveness from the weak Sterling exchange rate contributing to new work inflows.

The seasonally adjusted Markit/CIPS PMI slipped to a four-month low of 54.2 in March, down from 54.5 in February. It did however remain above the neutral level of 50 for an eighth successive month.

British households are running down their savings, which fell to a record low at the end of 2016. The savings ratio, which estimates how much money households save as a percentage of total disposable income, fell to 3.3% in the final quarter of last year, from 5.3% in the previous three months.

This represents the lowest savings ratio since records began in 1963, according to the Office for National Statistics. It has raised concerns of a consumer debt crisis, which greater reliance on credit cards.

Price inflation across the Eurozone slowed in March, easing pressure on the European Central Bank to slow their policy of monetary stimulus. The initial estimate from Eurostat shows inflation slowing to 1.5% in the year to March, down from 2% in February. This fall in inflation was partly due to lower oil prices and also slowing increases in the cost of food.

In the UK, price inflation reported in March rose to its highest level since September 2013. The Consumer Prices Index (CPI) measure of price inflation rose to 2.3% for the year to February, up from 1.8% in January. The Bank of England is forecasting that inflation will peak at 2.8% in 2018.

The Retail Prices Index (RPI) measure of inflation, which includes some housing costs, rose to 3.2% in February from 2.6% in January.

Average house prices in the UK fell by 0.3% in March, according to the latest Nationwide survey. This is the first monthly house price fall reported since June 2015 and the largest such fall in almost five years.

Average house prices rose by 3.5% in March compared to a year earlier, compared with annual rate of 4.5% in February. The average price of a house in the UK now stands at £207,308, according to Nationwide.

Oil futures rose at the start of April, with upbeat economic sentiment in Asia and Europe outweighing concerns about a higher US rig count contributing towards global oversupply. International benchmark Brent futures were $53.56 a barrel in early trade.

Brent and US crude posted their worst quarterly loss in March since the end of 2015, with US futures falling by nearly 6% in the quarter. Inventory levels continue to outpace production cuts from OPEC and non-OPEC members, leading to the price falls.

The benchmark 10 year UK Gilt yield stands at 1.132% at the start of April, falling slightly during March.

£1 buys $1.25220 or €1.17540.  The Forex Gold Index is $1,244.85/oz and the Silver Index is $18.06/oz.

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Brexit worries, shrinking £1 coin & state pension age

Welcome to the latest roundup from our experts and thought leaders here at Informed Choice, with latest news and unique insights from our team.

Martin Bamford – What’s worrying financial advisers?
The results of this research by Prudential are interesting, showing that most financial advisers believe Brexit implications pose a threat to five year investment returns.85% of financial advisers had this as a concern.By comparison, 66% are… Read more

Shelley McCarthy – Shrinking £1 coin
Today sees the launch of the new £1 coin. We’ve not been able to get our hands on one yet, down here on the Surrey/Sussex border, but look forward to feeling how different it is to the existing coin we all know and love.Aviva have published some… Read more

Martin Bamford – Bank of mum and dad is lending like crazy
First time buyers are increasingly reliant on financial support from the bank of mum and dad, which has dished out £2.8bn of assistance. New research from the Social Mobility Commission has found 34% of first time buyers received financial support… Read more

Nick Bamford – State pension age must rise again
The publication of a much anticipated independent report has suggested millions of people will be working for longer before claiming their state pension.The report authored by John Cridland, former director-general of the Confederation of British… Read more

Our latest podcast episodes

ICR194: Live from Master Investor Show 2017

ICR193: Dr James Hannam, What Everyone Needs To Know About Tax

ICR192: Lars Kroijer, Investing Demystified

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Retirement on the road

This article first appeared in issue one of Informed, the new client magazine from Informed Choice.

One of the benefits of financial planning is its ability to help realise long-held dreams.

For Peter and Maggie Morgan, the financial planning journey with Informed Choice was the beginning of a bigger journey; twelve months touring Europe in their newly purchased motor home, as a way to mark the start of retirement.

In April, the couple will leave Cranleigh and embark on a year long tour of European countries, starting in Norway and Sweden. Their home for the next year is a fully equipped Chausson motor home, offering the perfect mix of space and functionality.

When the Morgans first approached Informed Choice to discuss their retirement goals, a year of touring in Europe was a key objective, whilst ensuring their long-term financial future. Like so many people approaching retirement, what they lacked was certainty over timing or the confidence to take a leap into the unknown, finishing their careers to embark on the next stage of life.

Martin worked with the couple to gather lots of information about their various pension arrangements, investments, assets and income, before constructing a comprehensive financial plan to illustrate various options.

The financial planning process uses a series of sensible assumptions about the future, which allowed Peter and Maggie to visualise their income in later life.

Most importantly, the financial plan demonstrated that they could afford to retire within the next year, buy the motor home they had always wanted and spend a year on the road to kick start their retirement journey.

“Before working with Martin and his team at Informed Choice, we knew we wanted to begin our retirement with a grand tour, but like most people approaching retirement, we needed to understand the options and be certain our plans were affordable,” explained Maggie.


When all of their financial information was fed into our industry-leading financial planning software, we built a lifetime cash flow forecast for Peter and Maggie which demonstrated, with a high degree of certainty, that they could retire in the near future, confident about their finances in the long-term.

Part of the financial planning exercise involved consolidating various pension and investment pots accumulated during a working lifetime, using a modern investment platform to manage these assets and apply a well diversified investment model.

Martin explains, “Risk management is important at all stages of the investing journey, especially in retirement. The latest academic research is very informative about what constitutes a ‘sustainable withdrawal rate’ for income in retirement, and we factor this into our financial planning models.”

Assumptions were made about future expenses, price inflation and investment returns, before Peter and Maggie were shown on the big screen in the Informed Choice meeting room how their future income streams were likely to be sustained.

Peter said, “Over the course of a series of meetings with Martin, we had in-depth discussions about the best way to approach our plans for retirement. These conversations ranged from technical subjects around pension taxation and investment risk management, to more practical considerations for financing our European tour.”

When Peter and Maggie came to see Informed Choice for the first time in August 2014, they were meeting with a number of local IFAs to decide who was best placed to help them meet their financial planning goals.

Some of the early considerations included whether to invest in a buy to let property with an inheritance received from Peter’s father, and how to best take advantage of the new pension freedoms being introduced the following April.

Martin proposed the construction of a comprehensive and bespoke financial plan, designed to help Peter and Maggie determine the right retirement strategy and how they should invest their money.

Part of this exercise would include a lifetime cash flow forecast which would determine at what age they would run out of money.

We also agreed to include within our recommendations the most suitable strategy for generating income in retirement from Peter’s various pension assets and an analysis of the couple’s State pension entitlements, with recommendations for buying additional years of pension should this prove attractive.

Financial planning is an iterative process and used to consider various options, including disaster scenarios and the impact a death or disability would have on their long-term financial position.

By the start of last year, retirement plans were starting to shape up nicely. Peter told his employer he would be retiring in September, and despite being shown in the financial plan they could afford to cut back on working hours ahead of a full retirement, both Peter and Maggie decided to continue working full-time in their fulfilling jobs.

Rather than go it alone with a buy to let property investment, they joined forces with their daughter to buy a house in Hampshire, serving the dual purpose of offering financial support to the next generation and creating a regular stream of rental income from the second bedroom.

At this point, Martin also introduced them to a local solicitor who updated their wills and put in place lasting powers of attorney.

Maggie said, “We quickly realised that financial planning is about much more than just money, and involves a lot of joined-up thinking to help us make the most of our retirement.”

Towards the end of the year, retirement plans were amended slightly. Peter was asked to continue working, albeit on a part-time basis, for a few more months when a colleague went on maternity leave. Maggie joined him working part-time, creating a four-day weekend to help both of them acclimatise to retirement.

As their plans continued to evolve, so did their financial plan, with the modelling updated to reflect this period of part-time employment and a new departure date.

With a better idea of when the trip around Europe would begin, Martin introduced the Morgans to several local lettings agents who offered their views on generating a rental income from their house for the duration of the trip.

At the start of this year, Peter and Maggie had purchased their motor home and had already been using it for weekends away in the UK, getting used to the experience. With its 23ft length a little too long for the driveway at home, it is stored securely at a local compound during the week.

The period of working part-time until full retirement was put to good use, with plenty of jobs around the house, getting the property ready to let. As well as choosing a letting agent to coordinate this effort, they engaged a local handyman who would be on standby during their time out of the country, in case of emergency.

The forecasts were updated again, giving peace of mind in the short-term that they would have enough income from Peter’s pension, and rental income from their home and their daughter’s house in Basingstoke, to cover the costs of the trip without dipping into cash reserves.

There was also a high degree of confidence about their income needs being met over the long term.

Maggie said, “Retirement is a big adventure and a step into the unknown, but we can start this journey with real confidence after working through the Financial Planning journey. A lifetime of working hard, saving hard and living within our means has ensured that we can live the retirement of our dreams, starting with what we hope will be an incredible journey around Europe.”

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State pension age, surging inflation, & Norwegian happiness

Welcome to the latest roundup from our experts and thought leaders here at Informed Choice, with latest news and unique insights from our team.

Nick Bamford – State pension age must rise again
The publication of a much anticipated independent report has suggested millions of people will be working for longer before claiming their state pension.The report authored by John Cridland, former director-general of the Confederation of British… Read more

Martin Bamford – Informed Choice at the Master Investor Show
We are looking forward to attending the Master Investor Show in London on Saturday.Around 4,000 investors are expected to attend the one-day event, to hear from 46 guest speakers and visit stalls from a range of exhibitors.Informed Choice will be… Read more

Nick Bamford – One in seven have made no retirement provision
Start early, save regularly. That seems to be the secret to successful retirement planning.This new research from Prudential has found nearly one in seven people retiring this year have made no financial provision for their retirement.More than… Read more

Shelley McCarthy – Price inflation surges to 2.3%
The economists got it wrong, again.Despite widespread predictions of inflation rising to 2.1% for the year to February, the Consumer Prices Index (CPI) has instead ‘surged’ to 2.3%.’Surged’ might be overstating the increase, which was up from 1.8%… Read more

Martin Bamford – Care fees regional lottery
This new analysis from Royal London has found that the typical person entering residential care in later life will face total bills between £50,000 and £93,000.This of course all depends on where the person lives, which largely determines the cost… Read more

Shelley McCarthy – Don’t let the tax tail wag the investment dog
Within the world of Financial Planning, this is a popular expression; don’t let the tax tail wag the investment dog.It means that investment decisions should never be dictated solely by the opportunity for tax saving.Despite the chance to save on… Read more

Martin Bamford – Happy as a…Norwegian?
Today is the United Nation’s International Day of Happiness and they have published their latest World Happiness Report.This annual report measures “subjective well-being” – how happy the people are, and why.As always, Nordic countries dominate… Read more

Nick Bamford – How to develop a fulfilling retirement
This article in the Guardian is excellent and recommended reading for anyone approaching retirement.We often tell people that retirement planning is about so much more than money.Yes, having the necessary income in place to support your life in… Read more

Our latest podcast episodes

ICR189: Paul Mumford, The Stock Picker

ICR190: Tasneem Clarke, Money & Mental Health

ICR191: Key assumptions to make in your Financial Plan

Informed Choice in the press

Invest for income and reap dividends
Martin comments for The Times   Read more

Why there is a need for fintech innovation
Martin comments for FT Adviser   Read more

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U-turn, gin & discretionary nil rate band trusts

Welcome to the latest roundup from our experts and thought leaders here at Informed Choice, with latest news and unique insights from our team.

Nick Bamford – How to develop a fulfilling retirement
This article in the Guardian is excellent and recommended reading for anyone approaching retirement.We often tell people that retirement planning is about so much more than money.Yes, having the necessary income in place to support your life in… Read more

Martin Bamford – If possible, make a u-turn ahead
You can call it a u-turn, climb-down or chaos. What seems clear is the Chancellor has egg on his face after cancelling proposals made in the Budget to increase National Insurance contributions for the self-employed.The NICs rise would have… Read more

Nick Bamford – Gin, bike helmets and adult jigsaws
The basket of goods and services used to calculate price inflation is changing.The latest updates made by the ONS see the addition of dairy-free milk, gin, cycling helmets and jigsaws for adults.Leaving the inflation basket were basic mobile phone… Read more

Shelley McCarthy – Did you include a discretionary trust in your will?
People who added a discretionary nil rate band trust to their wills are being warned they could miss out on the new family home allowance.From 6th April this year, the inheritance tax nil rate band is being gradually supplemented with a main… Read more

Martin Bamford – Another Scottish independence referendum?
I’m a big fan of Scotland. One of my first jobs was working for the Scottish insurer Standard Life, which meant regular trips to their head office in beautiful Edinburgh.Before that, as a child, we visited Scotland on holiday several times. Just… Read more

Martin Bamford – Would you date someone with debt?
To what extent does debt influence relationship success?According to this report from the New York Post, 58% of Americans wouldn’t marry someone with significant debt.The study, from legal industry site Avvo, also found that most people would feel… Read more

Our latest podcast episodes

ICR186: Malene Rydahl, Happy as a Dane

ICR187: Jo Thresher, Better With Money

ICR188: The Importance of Investor Sentiment

Informed Choice in the press

Investors advised to avoid Standard Life and Aberdeen Funds
Martin comments for the Financial Times   Read more

‘Delusional’ consumers expecting high returns and low risk
Martin comments for Professional Adviser   Read more

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Scammers, probate fees & Aberdeen Standard?

Welcome to the latest roundup from our experts and thought leaders here at Informed Choice, with latest news and unique insights from our team.

Martin Bamford – Young Girl Facing Wall Street’s Famous Charging Bull
One of the most iconic symbols in the world of investing is the charging bull on Wall Street. Originally guerilla art, installed in 1989 by Arturo Di Modica, the popularity of the 3,200 kg bronze sculpture led to it being a permanent feature.Now… Read more

Shelley McCarthy – How low will the scammers go?!
I received an email the other day from a client, asking for my opinion about an investment opportunity she had read online.She had come across an article about a new investment strategy, apparently from Bill Gates.It purported to ‘equalise the… Read more

Shelley McCarthy – Are you ready for £20,000 probate fees?
Probate fees are due to rise sharply at the start of May.For the highest value estates, it will cost £20,000 for a family to execute the wishes of the deceased’s will.This is a huge increase compared to the current flat fees; £155 or £215… Read more

Martin Bamford – Choosing your own path
On Saturday evening, as part of the Informed Choice sponsored Cranleigh Literary Festival, I attended a talk about WWII heroine Violette Szabo.Her daughter Tania spoke for more than an hour about the life of her mother Violette, who was the… Read more

Martin Bamford – Aberdeen Standard or Standard Aberdeen?
News broke over the weekend of a proposed merger between Standard Life plc and Aberdeen Asset Management plc.If shareholders and the regulator approve this merger, it will create the largest asset manager in the UK, responsible for funds worth… Read more

Our latest blog posts

Financial advisers for people living with dementia
Can a financial adviser go into a care home or approach adults with dementia in their own homes to drum up business?  Read more

Helping tidy up Cranleigh
On Saturday morning, four members of the Informed Choice team joined volunteers from Cranleigh in Bloom to take part in the Great British Spring Clean.  Read more

Budget 2017 Briefing Note
Following the Budget at lunchtime today, Martin and Shelley have produced a free briefing note for our clients and professional contacts.  Read more

Our latest podcast episodes

ICR183: Andy Agathangelou, Transparency Task Force   Listen now

ICR184: Diana Chambers, Family Wealth Mentor   Listen now

ICR185: Everything you need to know about the final Spring Budget   Listen now

Informed Choice in the press

EU demands prediction of fund performance in crisis
Martin comments for the Financial Times   Read more

Standard Life star fund manager Cumming quits
Martin comments for the Financial Times   Read more

Three ‘exceptions to the rule’ from last year’s most disappointing sector
Martin comments for FE Trustnet   Read more

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Budget 2017 Briefing Note

Budget 2017 Briefing NoteFollowing the Budget at lunchtime today, Martin and Shelley have produced a free briefing note for our clients and professional contacts.

Within this briefing note we have described the main Budget announcements as they relate to personal financial planning.

Download the Budget 2017 Briefing Note

Hammond started his Budget speech by explaining we have economic growth which is confounding the experts, with employment at a record high.

There was, however, no room for complacency, as the Chancellor continued to tighten his belt and take the next steps in preparing Britain for its new global future.

The self-employed and business owners are likely to feel unfairly treated in this Budget, as a result of National Insurance contribution rises for the self-employed and a dividend tax allowance reduction for shareholders.

As with every Budget and Autumn Statement, the devil is often in the detail.

As more details come to light, we will add blogs on specific planning topics to our website at www.icfp.co.uk.

Do call us on 01483 274566, email hello@icfp.co.uk, or follow us on Twitter @informedchoice if you would like to discuss your own investment, pension or Financial Planning as a result of the Budget today or any of the contents within this free briefing note.

Download the Budget 2017 Briefing Note

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