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Market Commentary – March 2020
The Coronavirus has impacted everything. Our health, our jobs and even our lifestyles. The impact on the global economy has been huge with a large chunk of it shut down. Global stock markets have naturally suffered heavy falls not seen since the global financial...
Investing Is Never Perfect
As I’ve said in many previous articles, trying to time the market is impossible, which is why investing is never perfect. In an ideal world you want to buy shares or units at the lowest possible price and then sell them at their highest price meaning you make the...
Testing Times – Part Two
As the situation intensifies with regards to the Coronavirus I thought it right to provide a further update on how stock markets are reacting, what’s happening to your investment portfolios and how we should react. A reminder of what the stock market is The stock...
Budget – March 2020
On Wednesday 11th March 2020 we saw the first budget for some time. You will note from the title of this article I have included the month. March 2020. This is because the government have announced a further Budget in the autumn. With the Coronavirus having a...
Testing Times
Every now and then in the investing world there is a ‘black swan’ event that can lead to some very testing times for your investment portfolio. A black swan is an unpredictable event that can have a severe impact on an economy. The Coronavirus is looking like...
Income From Your Investments
Are you at the stage of life where you have built up your wealth and now want to take an income from your investments? Income from your investments means different things to different people so I thought it best to explore the different ways you can receive cash, and...
Market Commentary – February 2020
The coronavirus is starting to have a big impact on world stock markets because of the fear of a global trade slowdown. The virus outbreak doesn’t come at a good time for regions like Asia and Europe who were struggling to get their economies going anyway. State of...
Changing Someone Else’s Will
You may not have heard of a death box before and no I’m not talking about a coffin! Picture the rather morbid scene. You’ve died suddenly in an accident and the police are at your door informing your loved ones that you have gone. What happens next? Whilst your loved...
6 Elements to a Successful Investment
A successful investment can mean the difference between retiring early or working longer than you want to. A successful investment should never be as a result of luck. A successful investment is the only real way to find financial freedom. The point at which you...
Does My Partner Have To Pay Inheritance Tax?
How would you feel if your partner, instead of inheriting all of your wealth, lost nearly 50% on your death? Whether you are married or not can have a significant impact on the amount of Inheritance Tax that could be paid. Marriage or being in a civil partnership...
Market Commentary – January 2020
Sometimes it doesn’t matter how well businesses perform. Other events outside the business world like we have seen this past month can shake world stock markets. At the start of the month everyone was talking about the potential for world war 3, and now as we close...
10 Things To Consider Before Creating A New Will
Even if you think you don’t own ‘that much’, if you want any sort of control over who it goes to when you die, you need to create a new Will. Apparently around 54% of UK adults don’t have a Will. If you think cost is an issue then think again. It really isn’t that...
What To Do With Small Pension Pots
Have you been working for different employers over the last few years and as a result ended up with some small pension pots? Are the amounts in these small pension pots unlikely to make any difference to your retirement in the future? Would it be better to get the...
Using Your Pension To Buy A House For Your Child
Have you ever considered using your pension to buy a house for your child? Did you know that you could not only access your pension from 55, you could access it even if you are still working? According to Legal and General, the average amount given by parents to their...
Budgeting for Retirement
If you ever want to retire from work (and not everyone does) then you will need to do some budgeting for retirement. This will allow you to know how much your retirement will cost and therefore how much you need to have saved. But what do you include in this budget?...
Managing Your Pension – 5 Common Pension Mistakes
The tax planning you can do with pensions is great and they are still the cornerstone of most people’s retirement strategies. However, a pension is a product that comes with some of the most complex rules in finance. Get it wrong and you could be in line for some...
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