Ray Prince - Articles

 (212)

Ray Prince is an Independent Financial Planner with Rutherford Wilkinson plc, and helps UK Resident Doctors and Dentists get the best deals on mortgages, protection and investments, as well as helping them achieve their financial objectives.

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50

What's your Investment Risk Strategy?
Sensible investment and wealth management requires a balance between your risk profile and investment portfolio volatility. Both of these factors can be combined to make up your investment policy and investment philosophy. Read
By: Ray Prince | 22/01/2008 | Finance
Popularity
50

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. Read
By: Ray Prince | 10/01/2008 | Finance
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55

Nil-rate Band Will Planning - your Options Explained (post 9 October 2007)
Since Alistair Darling's Pre-Budget Speech on October 9 2007, there have been a number of reports in the press stating that will planning using the nil-rate band of the first of a married couple to die will no longer be necessary as you can now transfer the nil-rate band between spouses and civil partners. (The Nil-rate Band is currently Read
By: Ray Prince | 04/01/2008 | Finance
Popularity
52

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. Read
By: Ray Prince | 14/12/2007 | Finance
Popularity
70

Nhs Pension Changes April 2008 - What you Need to Know
As you are probably aware, the New NHS Pension Scheme goes live from April 1st 2008. This scheme is automatic for new members from that date, and a major change here is that the normal retirement age is 65, not 60. However, the existing scheme also changes in some key areas for those of you who opt to stay as you are. Read
By: Ray Prince | 06/11/2007 | Finance
Popularity
51

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. Read
By: Ray Prince | 23/10/2007 | Finance
Popularity
50

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? Read
By: Ray Prince | 07/09/2007 | Finance
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53

Your Mortgage Endowment - Cash in or Continue?
Do you have a unitised with profits endowment plan? Is it on track to repay your mortgage loan? Are there alternatives available to you? There may well be, and it's not what the insurance company wants you to know... Read
By: Ray Prince | 21/08/2007 | Finance
Popularity
58

Estate Planning and the Enduring Power of Attorney - Changes Imminent
It can be hard to imagine that you may not be able to look after yourself at some point in the future. As most of us are only too aware though, the chances of this situation arising is likely. But who will look after your financial affairs? And how will it all work, especially if your situation deteroirates quickly? Let's look at the options available to you. Read
By: Ray Prince | 21/08/2007 | Finance
Popularity
50

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. Read
By: Ray Prince | 14/08/2007 | Finance