Pension Transfer and Investment Hub

This started as a little 'spat' with a Twitterer. He insinuated my website pensiontransferhub.com

may be out to 'harvest' LCF bondholder details. He questioned my legitimacy because of contact details, FCA authorisation and regulation.

I requested his motivations He's not an LCF bondholder. Is he out to 'self-publicise?' Or genuinely acting in the 'best interests' of those impacted?

This Podcast is directed at him but the information within it is useful to any investor into mini-bonds or other types of Unregulated Collective Investment Schemes (UCIS).

During the podcast I touch on regulation, the law, Facebook and Google advertising.

I emphasis my interest in this investment story from the perspective of regulation:

The demographics of the 11,300 or so investors

% above the age of 55

Value of investments and frequency

Prior knowledge and experience

Types of communications

Understanding of risks

Motivation to invest (better returns? inducement? greed? recommendation? advice?)

Level of education

This scam is one of many. I hope you enjoy and please leave a comment or engage in some way. Thank you.

The Network Value to Transactions Ratio

How can you gauge whether Bitcoin (or any other cryptocurrency) is good value, or even better undervalued?

As cryptocurrencies settle down (in terms of volatility) and gain acceptance, investors look for metrics used to evaluate

more traditional asset classes and see how they can apply them to cryptoassets. 

This is logical. Bitcoin must move away from simply being acknowledged as a 'digital outlier'. Once it has legal recognition as property

and is opened up to institutional investors there will be even more demand to understand its value and anticipated direction.

This podcast touches on metrics used in traditional investing, intrinsic value, speculation and understanding the consistency of pricing and volume

information.

Is the government deliberately killing the elderly with Covid -19?

Increasingly, the mainstream media are focusing attention on the high numbers of elderly Covid - 19 deaths in care homes.

Are Twitter and other social media platforms promoting this narrative as a way of undermining government?

Is there any truth in the accusations? Is it pure propaganda?

What are the numbers of elderly in receipt of state benefit pensions?

Property Crash - A Disaster for Investments

Investors have got used to ultra low interest rates and cheap borrowing. This has created an unsustainable asset bubble in property.

Real Estate Investment Trusts (REITs) whilst tax advantageous (100% profit in some instances) have unravelled into zombie like entities, ready for the ultimate sacrifice.

Pension Liberation Scam

The main targets of this type of pension related scam are under the age of 55. 

'Pension Loans' and 'Pension Unlocking' are other commonly used terms.

Be Warned: Once your pension is transferred it will go overseas and you will never see it again.

The regulator won't help!

You will also be liable for a 55% unauthorised tax charge.

Prompted by an article I was intrigued that the same commentary and analysis you'd expect around the Volatility Index (VIX) 

was being applied to pension transfers. Is this making way for products that can be traded based on the volatility of pension transfer 

values and activity? Or does it just serve as some 'yardstick' to look at activity within this huge 'untapped' sector?

In terms of pension transfers annuities are used as a comparator to show what and how much a 'secure' income may cost in the future.

If this sounds a little abstract - don't worry - you're not alone!

Annuities still have their uses, especially if you shun investment risk or come from a family gifted with longer than average life expectancy.

Unfortunately, in a perverse interest rate environment (0.1% at time of recording) annuities just can't be attractive, or can they?

With so much uncertainty and chaos around us it's more important than ever to learn to listen to ourselves.

The wealth managers, investment managers, financial advisors and regulators can't tell you what will happen.

Listen to question the truth and find some peace through all the noise.

A Trust is a way of separating yourself from what you own.

Legally, barely legally or blatantly illegally - Trusts offer protection or a welcome mechanism to hide assets.

Find out what 3 certainties are necessary for a trust to be valid in a court of law.

5 of the Biggest Risks to Your Pension due to Coronavirus

Exploring the consequences of a deep turndown and the impacts on pension related investments.

Extreme warning regarding pension related scams - Beware

The Pension Transfer Hub