The Blincoe Blog
Investment Lessons from 2024 and What They Mean for 2025
Nine charts tell the story of an extraordinary year in financial markets and some insights for the period ahead.
Public Sector Pensions Explained: How to Maximise Your NHS or Civil Service Retirement
Exploring the benefits of Public Sector Pensions, and scope to increase entitlement through Additional Pension purchase.
What Real Investment Risk Looks Like — And Why Volatility Isn’t It
Successful investing isn’t about avoiding risk entirely. It’s about understanding the different types of risk, accepting them, and managing them wisely to achieve your financial goals.
Should You Invest Only in the US Stock Market? Why Diversification Still Matters
Is doubling down on US equities, at the expense of global diversification, a good strategy? We think not.
Business Relief Explained: How to Reduce IHT with BR-Qualifying Investments
Is doubling down on US equities, at the expense of global diversification, a good strategy? We think not.
One Year of Blincoe: Redefining Financial Advice with Fair Fees, Real Service, and Smarter Planning
Reflecting on the past and looking ahead to the future.
Do You Have the Right Protection? Life Insurance, Income Cover & Critical Illness Explained
Ensuring your loved ones are financially protected in the event of the unthinkable.
Why New Pension Rules in 2027 Feel Like a Lifetime Allowance All Over Again
The new pension rules, to be introduced from April 2027, resemble a lifetime allowance in disguise.
Autumn Budget 2024 Opportunities: How to Pivot Your Tax and Investment Strategy
As one door closes, another one opens.
Autumn Budget 2024: Key Tax Changes Every Investor Should Know
The good, the bad and the ugly.
Annuity vs Drawdown: Making the Right Retirement Income Choice
Annuities are back on the retirement menu
Charitable bequests in IHT planning
Charitable bequests: where philanthropy meets tax efficiency.
How to Use Bare Trusts to Fund School Fees — and Reduce IHT
Using bare trusts, in the names of minor children, to fund private school fees.
How Cashflow Modelling Helps You Answer: When Can I Afford to Retire?
The power of cashflow modelling in retirement planning
Autumn Statement Rumours: Which Tax Changes Might Actually Happen?
A summary of all the rumoured tax hikes circulating over the past few weeks
Is Your Workplace Pension Too Cautious? Why Default Funds Could Be Costing You
Is your workplace pension invested too defensively?
What to Do When Markets Crash: Your Investment Fire Drill
We're overdue a bear market. It will feel daunting, but it's all part of the investment journey.
"What to do when the next bear comes"
Planning the Third Act: How to Build a Retirement You’ll Enjoy
Moving from a period of saving to spending can be emotionally challenging, but herein lies the true value of financial planning
ISA Inheritance Explained: How the Additional Permitted Subscription Works
Understanding the mechanics of the Additional Permitted Subscription