Are Pensions Rubbish?

There are some popular misconceptions about personal pensions that lead to comments like “pensions are rubbish” and I’d like to deal with them, so savers understand what a personal pension is. The top two misconceptions about pensions is that “they’re rubbish” because they don’t grow fast enough and “if I die, the company keeps my money”. So let’s look at the first. …

8 Common Myths About Financial Advice

Here we investigate 8 common myths about financial advice, and explain the truth behind each of them. Financial advisers will only give advice relating to investments Our financial advisers give all round advice relating to all of your financial and family matters. This includes tax advice, planning for retirement, protection policies, maximising your savings and estate planning. Only wealthy people …

How We Invest Your Money

A large part of our objectives at Clark & John is to assist clients to grow their money in risk areas that suit them. This is a brief description of one the powerful tools we use, called Optimised Asset Allocation. Everyone is aware of the old adage don’t put all your eggs in one basket. Like most old sayings, it’s …

tax tips

Clark and John’s Top Tax Tips

Tax rules are always changing, therefore it is vital to keep up to date with them. Therefore we are sharing our top tips that will help you to ensure you are paying as little as possible whilst maximising your savings. USE YOUR ISA ALLOWANCES From April 2017, the ISA allowance increased to from £15,240 per person per year to £20,000. Remember, you can …

sipp

Do You Really Need A SIPP?

What is a SIPP? A SIPP is a self-invested personal pension scheme and they have become more popular over recent years. Simply, they allow for a wider investment choice, to be held within your pension pot, than that which is offered by standard personal pensions. Most personal pensions allow investment in different areas, like property, shares and bonds etc. However …

financial adviser

Why Should You Use A Financial Adviser?

Have you ever wondered if you actually need a financial adviser and if there are any benefits to using one? It is certainly possible that you can manage your own financial affairs without any assistance from a financial adviser. However, you may need to use a financial adviser if you are looking to do any of the following: Make investments …

How paying monthly can help you to enhance your savings!

Making payments into your pension or ISA can deliver added benefits, as stock markets tend to fluctuate over time. By buying units in your plan every month, it can actually be beneficial when markets fall, as the average cost of the units is lower over time compare to investing all of your cash at once. Consider these two examples which …

Investigating Roulette

In previous Newsletters, we’ve looked at the chances of winning prizes on the UK National Lottery, the “birthday conundrum” and the well-named Gambler’s Fallacy. I’m continually pleased at how many clients give me positive feedback about this column, so thank-you for your kind comments and long may it continue! For this issue, I thought we’d put on our tuxedos, order …

The “Gambler’s Fallacy”

In previous newsletters, Clark & John’s probability whizz-kid Rob Clark, informed us of the actual chances of winning a prize on the UK National Lottery and also entertained readers with a fascinating article on the likelihood of multiple birthdays. For this issue, Rob looks at the “Gambler’s Fallacy”. We hear phrases all the time don’t we, like ….”it’s got a …

Probability

In the first Newsletter, Clark & John’s probability whizz-kid Rob Clark, informed us of the actual chances of winning a prize on the UK National Lottery. The favourable feedback generated by the Lotto article, has prompted Rob to turn his spotlight this time to birthdays. To begin, let me pose a question to you……. “How large should a group of …