Reaching retirement is a significant milestone, but navigating the world of pensions and taxes can be tricky. Fortunately, there are strategies that can help you keep more of your hard-earned money for what matters most; enjoying your retirement.
Read MoreIn 2023 UK investors navigated the choppy waters of market volatility fuelled by geopolitical tensions, soaring inflation, and tightening monetary policy, and with this comes the inevitable question: what can we expect from investing in 2024?
Read MoreOver the longer term, investors expect a positive, after inflation return from investing in company shares and lending money to governments and companies by owning bonds. Unfortunately – and inescapably – in the shorter-term market returns are anything but predictable. They contain a lot of noise, as the market absorbs new information into prices. High inflation in 2022 led to a rapid rise in interest rates around the world, contributing, in part, to the fall in global bond and equity prices.
Read MoreEnvironmental, social, and governance (ESG) investing is a rapidly growing trend in the wealth management industry. ESG investors consider non-financial factors alongside the more traditional ones when making important investment decisions. These factors can include a company's environmental impact, its social responsibility practices, and its corporate governance structure.
Read MoreInflation can have both positive and negative effects on investments in the UK, it all depends on whether the trend is high inflation or low inflation. We have detailed some of the key impacts that inflation may have on your investments, and when you may want to think of contacting your financial advisor.
Read MoreThe crowding-out effect is when certain stocks dominate an index, potentially reducing diversification and investment opportunities. Simply put, you have little room for growth once you dominate your market. This point seems obvious when you think about it.
Read MoreWhen it comes to managing your finances, having a trusted advisor by your side can make all the difference. While there are many options available, working with a wealth manager who is Bristol based can offer unique benefits and advantages. A local wealth manager understands the nuances of the local market and can provide personalised advice tailored to your specific financial goals and needs. They also offer a level of accessibility and responsiveness that can be hard to find with larger wealth management businesses.
Read MoreYou may have noticed the term ‘Stealth Tax’ getting more of an airing across the press recently, especially so since Jeremy Hunt’s Autumn Statement back in November 2022. Keep an eye out again for more, over the next week, when we have the next Budget announcement (15th March 2023).
Read MoreEach year, investors face a barrage of commentary and speculation from the financial press about which stock, sector or country is set to do well in the coming months. The quotes below are taken from articles published by well-known media outlets and demonstrate that 2023 is no different:
Read MoreAt the start of 2022 investors needed reminding that investing is not an easy game, despite having enjoyed around a decade of relatively strong – and fairly consistent - market returns, even in light of a global pandemic, recession, and political polarisation. 2022 has laid bare the fact that investing can very much be a game of ‘three steps forward, one step back’. If there was no risk of market downside, it would be unreasonable to expect any return at all above cash. This short note provides a brief look at the past 12 months, and highlights some of the lessons we can learn as investors.
Read MoreIt has been a very tough first week for the chancellor, in his new job; lambasted by the media, accused by the Labour leader of ‘crashing’ the pound and causing higher inflation and interest rates; and a bad report from the IMF. It is certainly true that Sterling has been falling, and inflation and interest rates rising; yet to suggest that this is solely down to recent Government incompetence is to take a very narrow view.
Read MoreAs a high-earning self-employed person, it’s all the more important to work with professionals who know ‘what’s what’ when it comes to retirement planning and understand the complexities of the system, because if left too late planning may only be able to do so much.
Read MoreWhile this may be the first time you’re retiring, this isn’t the first time we have. In all likelihood the circumstances you’re working with when moving towards retirement are ones we’ve seen before, and we’ll know how to approach it with the correct care and decision-making to create the life you’d like to lead.
Read MoreRetirement is one of those major life events that people look to with equal amounts of relief and trepidation, often due to the financial considerations associated with retirement and your associated pension
Read MoreToday, it certainly feels like the world is in a very uncertain place. The events in Ukraine are extremely unsettling
Read MoreIt is not uncommon for limited companies to build up sizeable cash balances. Most owners opt for a low salary, high dividend and regular employer pension contribution type strategy. But what about companies in the fortunate position of being able to accommodate this and still have large cash balances?
Read MoreIf, like many of my clients, you are on the verge of retirement, you may be wondering what life will be like on the other side.
Read MoreFor those readers interested in financial news (some might call it noise), the unfolding story of Chinese property developer Evergrande (a name which is ironic given its dire financial position) has spooked global equity markets.
Read MoreAre you the business?
We have dealt with many business owners over the years in all shapes and sizes. Within this short article I am going to focus on some of the planning ideas available to businesses whose owners ‘are the business’. By this I mean a business that without a certain person would effectively possess no sale value.
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