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Ray Prince - ArticlesRay Prince is an Independent Financial Planner with Rutherford Wilkinson, 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.
Life Assurance, Critical Illness Cover Etc - Are You Paying For Policies You Don't Need?One of the common issues we find when we review a new client's situation is that over the years they have been sold (or have purchased) many life, critical illness and income protection policies. Now, it's important of course to state that such cover for, say, a couple with a family and a mortgage, is absolutely vital. Investment Risk - What's Your Risk Tolerance?As you'll know, the main global stock markets have been VERY volatile over the last 12 months or so. And it's likely that you have money invested in one or more of several investment vehicles: - ISAs - Personal Pensions - Self Invested Personal Pensions - Life company funds - Unit Trusts - Open Ended Investment Companies - Investment Trusts Investment Risk - What's Your Risk Tolerance?As you'll know, the main global stock markets have been VERY volatile over the last 12 months or so. And it's likely that you have money invested in one or more of several investment vehicles: - ISAs - Personal Pensions - Self Invested Personal Pensions - Life company funds - Unit Trusts - Open Ended Investment Companies - Investment Trusts Your Retirement - What Will You Actually Do?When we start working with a new client who's, say, aged 50, it's always interesting to get down to what they want to aim for in life. After all, if life is not about thoroughly enjoying doing things you love most, what is it about? So when the 'Retirement Reality' study from an insurance company came out the other day, it was something that we took notice of. Life Coverage, Critical Illness, Income Protection - Are You Fully Covered?When you graduated, there's a high probability you 'signed up' for income protection cover. Maybe it was at a graduation Ball, or perhaps it was following a talk you attended. Even if you found out since that better coverage was available, the key is that you took action and purchased a very important protection plan. Savings Rates - Are You Getting the Best Rate For Your Money?We are not talking about serious longer term investments here. This is money which is meant to be safe and accessible, and preferably tax efficient. It could well be that it's money earmarked for your tax bill, for example. Financial Planning - The 10 Key Questions to Ask YourselfNo matter what stage of career you've reached, or even if you've retired, there's a number of key questions that you should be able to answer to give yourself the confidence that you've addressed all the important areas of your financial planning. So, today, I'm going to run through the key areas that we run through with each client to take a 'barometer' of their financial planning health. Let's get started. Absolute Return Fund - Should You Invest in One?You may have heard about Absolute Return Funds being launched and appearing in the press recently. We have seen quite a few of them launched in the last year or so, and they sound good don't they? Absolute returns - hmmm, let's investigate. There are 3 main reasons why these funds have appeared on the radar recently: NHS Pension Choices - The Key FactorsIf you are a member of the NHS pension scheme, you will soon be asked to make a very important decision. That is, should you remain in the current version of the scheme (applies if you were a member pre-April 2008) or should you transfer to the new version (post-April 2008). To help, the NHS have produced 'Your NHS Pension Choice' Guide. Getting Financial Advice - Your Options ExplainedThis week's article is a biggie, but I guarantee it'll be worth a few minutes of your time. If you're looking for help with your financial planning decisions, there are a number of resources you can turn to.
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