SIPPs and NHS Pension

This post builds on our existing NHS Pension series. Throughout the post we’ve put links, where relevant, to the appropriate prior material. We do, however, suggest refreshing your understanding of the NHS Pension prior to reading on. One method of saving money for retirement is to use a Self-Invested Personal Pension (SIPP). How does a SIPPContinue reading “SIPPs and NHS Pension”

Pay rise half-truths

The government this week announced a pay rise for a swathe of public sector employees, among them doctors. If you thought this would bring about high fives, congratulatory back slaps and the medical community celebrating a Covid-induced financial reward you’d be very much mistaken. The announcement contains an (un)healthy dose of spin, papers over cracksContinue reading “Pay rise half-truths”

Emergency Fund 2.0

What’s this? A personal finance blog post about Emergency Funds? How unorthodox! What a novelty! Such a trailblazer! Sarcasm aside, we appreciate that the Emergency Fund is a topic done to near-death; it’s perhaps the quintessential personal finance trope. So we’ll try to concisely cut through the usual waffle that you’ve probably read before andContinue reading “Emergency Fund 2.0”

Ethical Investing; Fifty Shades of Green

Key points:• Socially responsible investing (SRI) is increasingly popular and prominent.• Investing using an SRI strategy may not compromise risk-adjusted returns. • Care must be taken to examine the credentials of SRI funds, rather than taking the label at face value. Ethical investing is just one of the many monikers of an investment strategy thatContinue reading “Ethical Investing; Fifty Shades of Green”

Johari, Rumsfeld and overpaying mortgages

There’s a common question we come across again, and again, and again. You’ve probably seen it before, or at least a variation of it. It goes like this: “I have extra money left at the end of the month, should I overpay my mortgage or…” There are many options for the second part of theContinue reading “Johari, Rumsfeld and overpaying mortgages”

The NHS Pension: Allowances

This post builds on our existing NHS Pension series. Throughout the post we’ve put links, where relevant, to the appropriate prior material. We do, however, suggest refreshing your understanding of the NHS Pension prior to reading on. The term allowance reminds me of pocket money, that highly prized one or two pound coin slipped toContinue reading “The NHS Pension: Allowances”