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News
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Scotsman article: If you're happy to take risks, this could be a golden opportunity
By Paul Lothian. Published 09 January 2010
"FEAR was the emotion that, for many, epitomised 2009: the apparent near-collapse of the banking system, the freezing of credit, the dive in asset values, the slide of sterling against both the euro and the US dollar, the spectacular failure of several long-established institutions (such as Woolworths and MFI), the meltdown and near bankruptcy of Iceland's economy."
Scotsman article: When rainy days are forecast, best make sure you are putting something aside
By Paul Lothian. Published 12 December 2009
"EACH week The Scotsman gives you a top ten guide to pertinent financial issues. No-one wants to encounter the financial challenges that can be brought about by death, illness, unemployment or unexpected costs, but many of us will face such challenges over the course of our lives. Paul Lothian, a director of Verus Chartered Financial Planners in Dundee, shares his top tips on preparing for and mitigating the financial consequences of unwelcome news."
Scotsman article: Soapbox: Pensions rules are set to punish those who actually save
By Paul Lothian. Published 13 June 2009
"IN AN attempt to encourage more people to save for retirement, the government is to compel all employers to enrol employees automatically into a workplace pension from April 2012."
Scotsman article: Elemental charm of the asset that goes up when others tumble
By Paul Lothian. Published 06 June 2009
"SINCE humans first learned to work metal, gold has held a mysterious fascination for mankind. Man's desire to possess gold has fuelled wars and conquests and levelled forests and mountains."
Scotsman article: MPs put plan to rescue the pensionless in perspective
By Paul Lothian. Published 23 May 2009
"IT IS often said that the UK faces a "demographic time bomb". In reality, it will break like a biblical flood, inundating our public finances. Increasing longevity and falling birth rates mean those at or beyond retirement age already outnumber those below working age. It won't be much longer before pensioners outnumber those in work."
Scotsman article: Exchange traded funds offer another alternative for your portfolio
By Paul Lothian. Published 11 April 2009
"BARCLAYS announced on Thursday that it had sold its iShares subsidiary, raising much-needed cash from the sale."
Scotsman article: The name's bond – corporate bond, and they are gaining in popularity
By Paul Lothian. Published 02 May 2009
"WITH interest rates at all-time lows and gilt yields being squeezed, many investors are turning to corporate bonds for income and potential capital appreciation."
Scotsman article: Cash or equities – the choice is still a tough one even with 20-20 hindsight
By Paul Lothian. Published 28 March 2009
"MANY pension investors would have been best served by being in cash over the past ten or 20 years, analysis by PricewaterhouseCoopers (PwC) claims."
Scotsman article: Pension alternative has certain tax appeal
By Paul Lothian. Published 14 March 2009
" UNDER pension reforms that became effective three years ago, retirees no longer had to use their defined contribution and personal pension funds to buy an annuity at age 75."
Scotsman article: How to keep hold of an unexpectedly
generous pension
By Paul Lothian. Published 07 March 2009
"Dear Money Doctor, I have recently (and rather cleverly, I think) managed to negotiate a pension of £703,000 a year from my former employer."
Scotsman article: Pension safety net is increasingly compromised as businesses suffer
By Paul Lothian. Published 14 February 2009
"THE Pension Protection Fund (PPF) faces an uncertain future as the economic downturn stretches its resources. "
Scotsman article: Choices available if your pension faces a serious shortfall
By Paul Lothian. Published 31 January 2009
"THOUSANDS of people who have seen the value of their pension eroded in recent months face a tricky dilemma if they're approaching retirement."
Scotsman article: How to make the best of a bad deal if your pension pot has been badly hit
By Paul Lothian. Published 10 January 2009
"IF YOU have a defined contribution pension you may be awaiting your forthcoming annual statement with a degree of trepidation. Some will have fared better than others, but for most the statements will make grim reading."
Untied from the Chair
By Jonathan Gibson. Published July 2008
Read our article "Untied From The Chair" Helping dentists to achieve their true life goals and maintain their desired lifestyle.