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Ray Prince's Articles Display Category|Title|Newest|Oldest Investing in Money Market Cash Funds - Are They a Wise Option? When it comes to investing your money, you'll probably know by now that you have numerous options to choose from. In fact, it can feel like a bit of a minefield and sometimes you may not know if you've made the right choice. Should you choose a bond fund, equity fund, property fund or a money market cash fund? Or any other type of fund? So, what is a Money Market fund? Dentists' Provident Society - Income Protection Claim Statistics If you are a dentist, it's likely that you've taken out income protection insurance (also referred to as permanent health insurance). In fact, you may have even claimed on your policy. During the last few years many of the leading insurers have been releasing their claim statistics for critical illness cover and income protection. Financial Sales Vs Financial Planning - What You Need To Know One of the challenges we face as Fee Based Planners and Wealth Managers is how do doctors and dentists get to know about Graeme and Ray and the job we do? After all, we know (and our existing clients tell us), that we are providing our clients with exactly the kind of service they want, and they love the way we work for them and not the product provider. Stock Market Crash? Your Options Explained We live in interesting times... You cannot switch on the TV or read a newspaper without hearing of doom and gloom. If it's not property and stock market falls it's oil prices going through the $100 level, and the situation in Iraq seems to be deteriorating. Avoiding Inheritance Tax - Planning For The Informed Many clients have accumulated substantial funds within ISAs and PEPs over the past 10 years and enjoyed significant tax breaks in the process. It's not unusual to see clients with capital in PEPs and ISAs in excess of 200,000 enjoying the freedom to switch investments without incurring capital gains tax, personal liability to tax on dividend income or bond interest received within the tax sheltered 'wrapper'. Spanish Property - Wealth Tax & Inheritance Tax We have many clients who have either bought in Spain or the Balearics, or are thinking about doing so. In the past few years, there have been some changes in how the Spanish government tax those who are UK based and have a Spanish property, although with a change of government this could alter again. Here we will look at two aspects - Wealth Tax & Inheritance Tax. Stock Market Timing - Should You Bother When You Invest? At the time of writing this article the Markets are showing great signs of nervousness and probably should be on Prozac. The problem is that the Markets are uncertain as to the future and therefore have bouts of pessimism followed by optimism followed by pessimism again. Consequently, we see big swings in daily prices of securities. Personal Pension Plans - Does The 'Best' One Exist? Like many of our clients, we are constantly updating our Continuous Professional Development (CPD). One of the many pieces of reading material we were looking through had the title of 'Advisers Have Vital Role As Persuaders'. This was based on the results of a survey which asked both individual investors and advisers 5 questions about retirement planning success. Smarter Ideas For Current Accounts When we meet new clients and agree to work together, the number one aim we have for them is that they achieve their monetary and non-monetary goals in life. Investment Costs - The True Picture We are all aware of the saying that there are two things which you can't escape - death and taxes. Well, we would add a third here, and that is COSTS. When we speak to our many doctor and dentist clients, or indeed to new clients, they understand that when they make an investment, there will be associated costs. Fund Managers On The Move and Your Strategic Asset Allocation Recent research by Citywire, a leading fund research firm, has revealed that the average fund will only retain its fund management team for two-and-a-half-years. The analysis, which concentrates on UK funds, is the most comprehensive conducted yet and includes 5 years of data. The survey examined 1,741 funds and found that over the 5 years to the end of August there were 3,440 manager moves. With Profits Pension Funds - Beware If you have a "with profits" pension, or are being advised to invest in one - read on urgently. A survey by Money Management, an established personal finance magazine, has once again highlighted the sinking payouts to many investors from well known investment brands. Enduring Power of Attorney - Last Chance Saloon If you've not heard yet, you only have a few days left to organise your Enduring Power of Attorney. Officially, you have until September 30th to get it in place, at which time EPAs will be replaced by Lasting Powers of Attorney. Is the Shares Crisis Over? Recent falls in the value of the stockmarket has caused concern among investors. Should they run? Should they hang on? Warnings about the potential fallout from defaulting American mortgage borrowers have been around now for quite awhile, but when would these pigeons come home to roost and what size effect would they have? Interest Only Mortgages - Are They a Good Idea? Many people opt for an interest only mortgage for one simple reason - it's the cheapest option. You can't blame people for choosing the 'lowest' cost option, can you? So how does an interest only mortgage work (I've had many clients call it an interest free mortgage - if only!), as against the other option of a capital repayment loan? Portfolio Turnover - The Hidden Cost of Active Management The activities undertaken by an active fund manager normally result in higher annual management charges. This is what you would expect as they must carry out more research and analysis than a passive "manager". However, what few clients fail to appreciate is, the buying and selling of shares within a fund also incurs costs and these subsequently impact detrimentally on performance. National Savings - The Right Option For You? When we deal with new clients, we encounter Premium Bonds frequently, but it's not very often that we see the many other products offered by National Savings and Investments (NS&I). Some NS&I returns are currently looking quite attractive, and so it is worth perhaps looking at two such investments, Premium Bonds and Savings Certificates. Critical Illness Cover - Insuring The Children When you buy a critical illness policy it's usually because you want to protect you or the family should the worst happen and you are diagnosed with a life threatening disease. But have you ever thought what the impact may be if one of your children was severely ill? Would it make a difference if you had extra funds to deal with the news? Well, if you have critical illness cover the good news is that you may be covered already. Your UK State Pension and Missing Contributions Is it possible to boost your UK State Pension? What steps can you take to increase your income in retirement? By paying Class 3 National Insurance contributions all this is possible... The UK Property Boom - Will It Continue in 2007? Whether we own property to live in, have it as an investment as a buy to let or as part of our portfolio in our ISAs or Pensions, the fortune of the property market is very important to our overall wealth. Critical Protection Issues - How To Get The Right Level of Personal Protection This is the second of a three part mini-series on protecting your family from the effects of death and illness. A morbid subject perhaps, but a crucial one that you shouldn't ignore. Bracing Yourself for Higher Education Costs - Are You Ready For The Challenge? Will your children be able to afford to go to University or onto Higher Education? With the costs increasing every year will the government be able to reach their goal of more students going to university? Let's look at the costs involved and the steps you can take to ensure you've saved enough for their futures. Is This The REIT Investment? - Real Estate Investment Trusts and Investing in UK Commercial Property If you're looking to invest in commercial property (shops, offices etc - not 'buy to let' residential) you currently have a couple of main options (apart from buying the whole property itself). Critical Personal Protection Issues - Quality of Insurance Cover For the next three articles we'll look at the issue of how to protect yourself and your family from the financial effects of death and illness. These consist of: • The importance of the quality of your protection policies • How to get the right level of protection • A look at the actual claims experience of companies Parent Landlords - A Good Option? Many clients we speak to have at some time posed the question - should we buy a property for our child(ren) going to University? It is a fair question as it seems a waste to pay rent when you can get something back. Also, as a caring parent you presumably would like your child to live somewhere decent and habitable. 8 Critical Steps Towards Buy To Let Property Profits We've all read the headlines professing that fortunes are being made in the property market. Whether you're just considering adding this asset class to your portfolio or are a more seasoned property professional, you need to know the essential steps involved to ensure you avoid the many pitfalls and increase your chances of making a reasonable profit (and reduce the headaches!). Active Fund Investment Management - Do You REALLY Know the Costs? Many investors are unaware (or don't care) how much they are actually paying in charges to their fund manager(s). The advertised 'Annual Management Charge' is only part of the costs incurred by investors on their funds. This article explores what the other charges are and is essential reading for all investors. UK General Practitioners: Your Pension Options Explained The subject of pensions appears to be in the news every week. With this can bring confusion, so in this article we look at how part time GP's can plan effectively for their retirement. UK Resident Doctors and Dentists - 7 Tax Saving Tips for the Next 12 Months Achieving success with your financial planning is as much about how much money you manage to keep rather than how much you earn. Saving tax is one area where you can make a big difference to your net income, so use these strategies to your advantage... Are You Making These Retirement Planning Mistakes? The subject of pensions seems to be constantly in the news. Whether it’s the new legislation that came into effect in April 2006 or the Government’s next Pensions White Paper, keeping on top of what’s important is crucial so that you can plan ahead and make the most of opportunities. Let's take a look at some of the 'Pension Planning Mistakes' that you should strive to avoid. NHS Pension Benefits - Should You Increase Them? One of the recurring themes we deal with as financial planners is the subject of buying more NHS Pension benefits. Should you invest in added years, AVCs, ISAs? This is now worth a revisit as the situation is probably changing again! For the punch drunk amongst you, we will try to keep this as painless as possible. Pension or ISA: Which Investment Route Should You Take? Many investors are confused about where to invest their money. The answer is not always straightforward as it really depends upon what you're trying to achieve (e.g. income in retirement or access to a lump sum). This article explores this further. UK Resident Doctors and Dentists - Are You Planning Your Financial Future Or Being Sold Policies? There are really only two types of services you can choose from when getting help with planning your finances, although some financial advisers do not offer both. The key question you should ask yourself is which one is best: Financial Advice or Financial Planning?	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