The financial lessons we’ve learnt in 2012

The financial lessons we’ve learnt in 20122012 has been an interesting year. We’ve been in and out of recession, interest rates look as though they are permanently set at 0.50%, billions more has been pumped into the economy and we’ve had more changes to pension legislation, but what have we learned in 2012? We asked the Investment Sense team, here’s what they had to say:  ...

Buying a property in a SIPP: the advantages and disadvantages by Sarah McCarthy

Sarah McCarthy Independent Financial Adviser with Investment Sense, IFAs in NottinghamI am regularly asked whether buying a commercial property in a SIPP is a good idea. The question generally comes from business owners who are fed up with paying rent and want to become their own landlord. I have worked on a number of these transactions recently and I am asked about this area so often I thought I would highlight the main advantages and disadvantages of buying your own business ...

The frustration of poor interest rates on SIPP Cash investments by Sarah McCarthy

Sarah McCarthy SIPP specialistWe all know SIPPs can invest in a wide range of assets, from shares to funds, commercial property to gilts. In addition, just like individuals SIPPs can also invest in deposit accounts. Some argue that a SIPP should not invest in cash or deposit accounts, I’ll leave that argument for another day; however the fact remains some investors, for whatever reason want their SIPP to invest in Cash So how do SIPP deposit rates compare to ‘personal’ savings accounts? The table below compares the best rates we can ...