Psychology is part of our job as financial planners. It’s helping people process uncertainty, rebuild trust, and make rational decisions in moments when their instincts are screaming otherwise.
James Pearcy-Caldwell
Are Frequent Changes to My Investment Portfolio a Good Thing?
Constant portfolio changes are often more profitable for advisers than for clients. If you want advice that prioritises your returns instead of hidden commissions, choose a transparent, fee-based adviser.
Pensions and Inheritance: Are Your Retirement Savings Still Safe?
Pensions and inheritance may be affected by proposed regulations by the HMRC in April 2027. If implemented, these changes may affect how pensions are passed on to beneficiaries, particularly for those with larger estates or pensions held overseas.
De-listed QROPS: Are You Trapped Without Options?
De-listed QROPS can sometimes result in restricted access, limits on transfers, and potential tax implications. Every case is different, and the impact will depend on your personal circumstances.
Comparative Overview: Artificial “Consultant Company” IORP/QROPS Schemes
Clients relying on artificial “consultant” companies risk: tax charges, penalties, invalid transfers, and loss of pension protections.
Dutch Pensions and Occupational QROPS – A Risky Loophole
Transferring a Dutch pension to a Malta occupational QROPS can look like a neat workaround. In reality, it could be very bad advice.
The Occupational QROPS – A Way to Avoid 25% Overseas Transfer Charge?
The promise of avoiding a 25% tax charge may sound appealing, but if the foundation is artificial, the risks far outweigh the benefits.
Irish Pensions and Occupational QROPS – A Dangerous Loophole?
If you’re being advised to set up a company just to sponsor yourself into a Malta IORP, proceed with extreme caution.
Aisa Market & Portfolio Update – July 2025
The Aisa Market & Portfolio Update is a snapshot of how our investment committee continues to adapt portfolios with targeted fund changes to align with current conditions and preserve long-term value.
2025 Investment Update – Quarter 1
2025 Investment Update – Quarter 1 reports that with global uncertainty persisting, disciplined investment strategies focused on long-term value creation remain key.
2024 Investment Update – Quarter 4
Our portfolios have performed very well over the last 12 months. We credit this to adhering to the three golden rules of investing.
Psychology of Successful Tax-Efficient Investing
Exclusive for US expats in Czechia! Be sure to register now for Aisa’s free investing seminar on November 22, 2024: Psychology of Successful, Tax-Efficient Investing.