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Plenty of food for thought in the April issue of Money Observer, including a special section on retirement planning four years after the introduction of pension freedoms.
We look at how to get your Sipp portfolio ‘retirement-ready’, whether you’re planning to buy an annuity, draw an income directly from your pension fund, or use a combination of sources to fund your golden years. Kyle Caldwell considers the challenges of producing a monthly income from your Sipp, and suggests some different approaches and a range of funds/investment trusts to help you achieve that goal. And we explain why it’s likely to become increasingly difficult to transfer your final salary pension.
Unquoted companies have seen their profile rise recently, so we take a look at why they are growing in popularity with investors, and how - given that unlisted shares cannot be bought on a stockmarket – the best way to gain exposure is via the increasing number of investment trusts that are taking a position in them.
Meanwhile, for those wondering how best to avoid the really ‘sinful’ sectors of the market - tobacco, defence, gambling and mining – we size up the FTSE4Good index and how it compares with the FTSE 100 as a whole, both in terms of constituents and in regard to performance. The good news is that over the past five years, ‘saintly’ sectors have done better than the ‘sinners’.
April also contains an indepth report on investing in ETFs and tracker funds, with a review of what investors need to look at, as well as cost, when they make their selection, and an assessment of how successful ‘smart beta’ ETFs weighted to particular index subsets are in outperforming the wider index. Do they add enough value to justify their higher cost?