Guest blog: When Cash is King – A solution for SIPP savers

Guest blog: When Cash is King – A solution for SIPP saversIn her latest guest blog for Investment Sense, Gillian Bardin, Managing Director of Taylor Patterson looks at the case for holding Cash in a Self-Invested Personal Pension (SIPP) and explains how their unique Cash SIPP works. Many people wish to hold their pension funds in a safe accessible vehicle as a temporary measure. This may allow time for them to find the correct commercial property to invest in or it may be a temporary home until sufficient assets can be built up ...

Savings: Our top 5 Cash ISAs to help you beat inflation

Our top 5 Cash ISAs to help you beat inflationWith the rate of inflation rising a last month and interest rates showing no signs of increasing any time soon, we thought we’d take a look for the top Cash ISAs (Individual Savings Accounts), to give you a real return. First things first though, what rate of interest do you need from a Cash ISA to beat inflation? Because the returns from a Cash ISA are tax-free, the answer is simple: exactly the rate of inflation, currently 1.3%. But remember, the rate of ...

Mortgages: Are you about to be frozen out of the mortgage market?

Are you about to be frozen out of the mortgage marketA new report has shown that one group, traditionally thought to be nearing the peak of their earnings potential, are at risk of being frozen out of the mortgage market. The problem is due to new rules, known as the Mortgage Market Review (MMR) which was introduced by the Financial Conduct Authority (FCA) earlier this year. The aim of the new rules was to ensure that borrowers could repay the money lent to them. But one of the effects has been to ...

Does David Cameron understand his own pension reforms?

Does David Cameron understand his own pension reformsPensions are complex at the best of times and you could be forgiven for getting confused from time to time. Indeed, one of the reasons many people are ‘turned-off’ by pensions is due to their complexity. But, you would expect the Prime Minister to understand his own pension reforms, especially when he is so keen to promote them. However, his guest blog on Money Saving Expert, published earlier this week, contains clear mistakes, which highlight the importance of getting the detail right when it comes ...