The Queen’s Speech

As financial planners, it’s important that we have a finely tuned radar that constantly sweeps the horizon for opportunities and threats to our clients financial well-being. Today’s Queen’s Speech whilst lacking the usual pomp and circumstance still provides some useful insight into likely future government policy: IMPROVING RIGHTS FOR RENTERS (Decreasing benefits for landlords?) The […]

Tokyo Stock Exchange

It’s nearly that time of the year where our Japanese friends enjoy their “Golden Week” holiday from 30 April until 5th May. Consequently, the Tokyo Stock Exchange will be closed from 30th April to 5th May (inclusive). The last dealing day for Japanese Equity funds will therefore be 29 April. As usual, fund groups are […]

Will your pension last?

Standard Life Aberdeen (SLA) has published a “Class of 2021” report, based on a survey of 2000 adults who plan to retire within 12 months. SLA found that almost two in five (37%) of people who are close to retirement have accelerated retirement due to the coronavirus pandemic, but worryingly also identified that two thirds […]

Earth Day 2021

Earth Day is a global annual event on April 22 to demonstrate support for environmental protection. First held on April 22, 1970, it now includes a wide range of events coordinated globally by This Earth Day we’ve been deluged with various announcements from different world leaders about their new environmental targets, one can’t but […]

Images on

We discovered yesterday that our website image optimisation software (the clever stuff which made our website pages load quickly) had started to conflict with other parts of meaning some visitors were unable to view our content. We’ve removed the offending tool and replaced it with a version that should offer better compatibility for all […]

M&G Property

M&G has announced today (20th April) the reopening of their property funds after 17 months of suspended trading. The funds are scheduled to become available for trading from noon on 10th May. Investment & Retirement Solutions Ltd has not recommended these funds to clients in recent years, however, we have a number of new clients […]

mortgage guarantee scheme

Today, Monday 19th April, the government has launched its new mortgage guarantee scheme. The scheme is aimed at getting the one part of the market working that looked most likely to falter: first time buyers. Without first-time buyers, sellers only have one option at the lower end of the market: landlords. Hence, the Government has […]

What is cashflow planning?

What is cashflow planning? Cashflow planning is the process of looking at your current financial situation and planning ahead for the future. So whether you’re looking to retire early, take that once in a lifetime holiday, help children through education or even purchase a house in the country, cashflow planning will help you make informed […]

Happy New Tax Year!

Today, 6th April marks the beginning of the new tax year and a brand new 365 days of tax planning opportunities! But why the 6th of April – it seems like a rather random date? Our tax year dates originate from when people in England were required to pay rent to their landlords quarterly on […]

Happy Easter!

It seems like far longer than one year since we last wished our clients a Happy Easter! Here’s hoping everyone has a Happy Easter and a great bank holiday weekend. We’ll be back on Tuesday to wish you all a Happy New Tax Year!s

COVID update

On Thursday, the UK government approved the first stage of lockdown easing. “Step one” of the government’s lockdown easing schedule will formally begin on Monday when the legal “stay at home” gets superseded by “stay local” guidance. We also note that the emergency powers vested in the government by Coronavirus Act 2020 have rolled over […]

Tax Year End

Tax Year End – 5th April 2021 It’s that time of the year again and what a year it’s been. We’re going to skip the usual reminders of bagging your Individual Savings Account allowances, banking your Capital Gains Tax allowances, utilising your annual Inheritance Tax gifting allowances and maximising the amazing annual income tax reliefs […]

One of those days

Various digital and cellular services we use are degraded today: Today, 10th March, the following services are degraded: O2 cellular network and the virtual networks built on O2 (downdector), including the Tesco mobile cellular network and the GiffGaff mobile cellular network Microsoft Teams suffered a major outage this morning between 0830 and 0930 but has since been […]

Reflections: Daughters

Today was International Women’s Day – the annual global commemoration of the cultural, political, social and economic achievements of women, and, a day of focus on gender equality, reproductive rights and violence against women. Investment & Retirement Solutions is proud to be an inclusive firm; we’re not perfect, but we strive to ensure our team […]

Spring Budget 2021

Shortly after 12.30 this afternoon Rishi Sunak, Chancellor of the Exchequer, delivered his second budget to parliament. The Chancellor’s delivery of the budget to the House of Commons is largely ‘theatre’ with the real details being published in The Red Book by HM Treasury whilst the Chancellor speaks. Whilst the presentation of the budget was […]


Paul C was trying to set a land-speed record on his bike this evening when a gang of potholes mugged him and threw his mobile ‘phone into the road, leaving the trusty phone to be run over several times before it was able to be recovered. Sadly, the ‘phone has not survived. A new ‘phone […]

Going down?

Our article of 14th August 2020  was titled “Negative Interest Rates?” – one of our less ambiguous titles! In that article, we linked back to our story of 20th May in which we commented about how the UK government had sold a bond (government debt) with a negative yield. We went on to explain that […]

Taking advantage of BREXIT?

It seems to us that the news has only had three main threads this year: LIFE IN A COVID WORLD LIFE IN A POST-BREXIT WORLD LIFE IN THE WHITEHOUSE WITHOUT TRUMP In the weeks since the Brexit free-trade deal was announced on December 24, people in the UK have been coming to terms with the […]

Minimum Pension Age

In our article of 30th September, we reminded readers of the 2014 government announcement that the access to schemes such as personal pensions would be subject to a general restriction of no earlier than ten years before prevailing state retirement age. Whilst the framework for this was established in legislation, the start date has been […]

Old Mutual Wealth Clients

Some of our clients have assets (investments & pensions) held with Old Mutual. Over recent months these clients, like us, have suffered degraded digital access to Old Mutual as planned engineering work has been conducted on their technology infrastructure. We have received notification from Old Mutual that this engineering work is nearing its conclusion and […]