News & Insights

NEWS WRAP – Are Partial Pension Transfers the Best of Both Worlds?

Ever since the 2015 introduction UK pension freedoms, pension transfers have been central to the wealth management and retirement planning strategies of hundreds of thousands of individuals with UK-based defined benefit pension schemes.

However, given that it is only four years since their introduction, it is safe to say that these pension freedoms remain in their infancy and there is, perhaps, room for further evolution in this area.

NEWS WRAP FATCA Compliance and New IRS Rules

As part of our new NEWS WRAP feature we take a look at an industry-related news item which directly affects our business and our clients.

Active or Passive Investment? Which is Best for Your Retirement?

It’s funny to think that our investing decisions might be coloured by the way society views certain words – i.e. ‘active’ is good, ‘passive’ is bad.

But when it comes to retirement investing, the decision just isn’t that binary. And attempting to make a decision between passive investing versus active investing is likely to be a false dichotomy as elements of both should be utilised together to form a part of a successful retirement strategy.

Here we take a look at these retirement investment approaches and how they might form part of your retirement investment planning.

Financial Advice the Best Insurance Against Emotional Investing

For a long time economists formulated their theories on the assumption that investors behave rationally and make explicable decisions. In fact, this belief helped underpin the very notion of the Efficient Market Hypothesis; a theory developed by Eugene Fama (University of Chicago) and Ken French (MIT), which states that share prices reflect all information which is readily available

Nowadays, even the proponents of EMH know that randomness and irrationality are constant features of investor behaviour, if not the market as a whole. However, such behaviours are likely to prove detrimental to an investors’ long-term financial goals and are precisely why a wealth manager or financial advisor should be considered as an essential part of the investing journey. Professional advice brings discipline and guards against the kind of irrational and emotionally-motivated investment decisions that have the ability to undermine even the best-laid plans.

Coming to Terms with Risk in your Retirement Planning

An independent financial advisor and wealth manager can help you decide upon an investment strategy and asset allocation that aligns with your time horizon, retirement goals and risk tolerance wherever you are in the world and wherever your assets are situated. Blacktower (US) LLC brings together the management of UK and US retirement assets in one holistic provision.

Here we examine the nature of risk, particularly in relation to “conservative” investments and shorter time horizons when planning for your retirement.

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