Category Archives for "Lifestyle & Goals"

retirement_income_options_buy_to_let_property

How retirement income options stack up against buy-to-let property

The 3+1 Plan in action as a retirement income plan

If you’re like most people in the UK today, your retirement income options will be limited. According to a poll of 100 MPs in 2014, almost 20% believe that the state pension will be extinct in 30 years. When this does happen, most people will be reliant on their stakeholder pensions. Some may have what they were promised would be valuable personal pensions. The lucky few will benefit from rental income from investment properties. Read More
Retirement_investing_today_for_lifestyle_income_tomorrow

Retirement investing today for lifestyle income tomorrow

Property investment is the new pension

If you’re like many modern parents, you’ll have started to worry about retirement investing already. Just how are you going to produce the income you need when you no longer work? Will you never be able to give up work and do all the things you really want to do? Is there any way to become financially independent? Read More
UK Property Investment

Why it makes sense to invest in residential investment property

Safer, cheaper, better returns when you build a property portfolio

I’m often asked by new clients why I personally think that residential investment property is the way to go for every investor. One thing that I really like about building a property portfolio is that it’s a ‘real’ investment. Property is something that I can pass down to my children, and they can pass down to theirs. All the while, it has the potential to provide increasing levels of rental income. It’s the gift that keeps on giving. Read More
The_truth_about_retirement_and_investment_property

The truth about investment opportunities and retirement

Investment Property can be overlooked as a retirement option, but jumping to such conclusions could be costly.

In this article, I’m going to look at the story of two twin brothers, Paul and James, who both inherited £20,000 in 1996 when they were aged 40 years. They each decided to do something very different with their inheritance, but with the same goal in mind: to semi-retire when they were 60.

James’s story – stock market returns and tax advantages

James spoke to his financial advisor. He explained his ambition and decided that he would put the entire sum into a personal pension rather than investment property. He was a higher rate taxpayer at the time, and so claimed full tax relief on his contribution. By doing so, his total investment wasn’t £20,000, but £28,000. Read More
The_bank_of_mum_and_dad_helps_kids_in_property_investment

Can The Bank of Mum and Dad continue to help kids on the property ladder?

Or is The Bank of Mum and Dad an unsustainable major player in the mortgage market?

The Bank of Mum and Dad is a major player in the UK property market. But with house price inflation way above investment returns and wage growth, how can a parent or would-be parent sustain their desire to help their children onto the property ladder? Read More
Are-lifetime-mortgages-on-investment-property-sensible-for-retirees

Are lifetime mortgages on investment property sensible for retirees?

Beware the remortgaging tax trap

In the current environment of low-interest rates and poor returns on annuities, many retirees are turning to equity release to help fund their retirement. This strategy hasn’t been available to property investors for years, but a pensions company has now entered the market and is offering lifetime mortgages (as this type of equity release is also known) to buy-to-let landlords. In this article, you’ll find out the advantages of releasing equity from your property portfolio. I’ll also explain the equity release tax trap that affects property investors who raise retirement funds this way. Read More
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