What’s happening out there in the international financial markets? How will these changes affect you and your family? What new products are coming on the market? Are they any good? How do existing products really work?  Keep up with my financial advice based blog.

Evidence based and factor based investing

Most investing can be considered, either: emotional, reactionary or noise-driven. Investors often hunger for an inside scoop on what the market will do based on an event, be it a real event or imagined. However one of the keys to investment success is, quite simply, to avoid the noise. The constant drumbeat of extraneous information and actions based upon this noise is considered behavioral. Evidence-based investing is essentially the opposite of behavioral investing.

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What is a QROPS?

A QROPS is a Qualifying Recognised Overseas Pension Scheme. For an overseas scheme to be deemed as such, it must satisfy criteria stipulated by HMRC. Such as being available to residents in that country and not being accessible before age 55, unless under special circumstances. It was devised for those who live overseas as an expatriate or those who are planning to leave the UK. It’s a scheme that makes it possible to transfer your existing pension plans in order for you to potentially benefit from increased investment growth, flexibility in access to your funds and financial security. The Finance Act 2004 made it possible from April 2006, for UK pensions to be transferred to any overseas pension scheme which is registered with HMRC as a QROPS. HMRC publishes a list of recognised QROPS online. they can be found here:

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Pension transfers FAQ -  Frequently asked questions

What is a pension transfer?

A pension transfer is the process of transferring – ie switching or changing the contributons made from one pension scheme to another. Or by exhanging your future annual pesnion from a final salary scheme for a transfer value. Doing this ends your membership of the original pension scheme. Most schemes will allow you to transfer your pension pot to another pension scheme. This can either be an employer’s workplace pension scheme, a personal pension scheme, a self-invested personal pension (SIPP) or a QROPS.

Understanding whether you will benefit from a pension transfer can be complicated and you should take appropriate advice

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SIPP FAQ - Frequently asked questions

What is a SIPP?

A SIPP is an acronym for a Self Invested Personal Pension. It is a UK government approved pension scheme, sometimes referred to as a pension wrapper. A SIPP allows an individual to make their own investment selection and decisions. A SIPP can offer a much wider investment selection than most stakeholder pensions allowing you to take much more control over your pension pot, whilst offering more flexibility than employer pensions or other private pension plans.

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Pensions and Divorce

The law surrounding pensions and divorce is extremely complicated and although you and your ex-partner can agree to offset your pension without a court order this may not be practical or possible.

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