All Archives - Page 13 of 18

Autumn: a time of change and preparation

October 21, 2021

As the darker evenings and colder days of autumn approach, our thoughts often turn to hunkering down and preparing for the winter months. A season traditionally associated with change, preservation and preparation, autumn is a perfect time to get your finances organised before the rush [...]

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Inflation

October 7, 2021

After a long period in which there was little to worry about, this has reappeared on the agenda. As it is a very significant factor in considering investment policy, it might be helpful to clients if we set out our current view. Many of us, [...]

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Taking emotion (and colour!) away from investment decisions

August 18, 2021

It is fascinating to consider the psychology of investing. There are many behavioural traps that investors could find themselves falling into during times of market volatility, when knee jerk reactions can take hold. One example being ‘the anchoring trap’, which is where investors rely too [...]

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Is IHT change on the cards?

August 11, 2021

It’s been three years since then-Chancellor Philip Hammond asked the Office of Tax Simplification to look into potential amendments to the Inheritance Tax (IHT) regime*. Since then, no changes have been made to the tax incurred when wealth passes onto the next generation; could Rishi [...]

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Probate delayed by ‘hidden assets’

August 4, 2021

Probate software specialist Exizent has published its first Bereavement Index*, with some interesting findings. It shows that many people fail to organise their finances before death, leading to stress and anxiety for those left dealing with a ‘financial mess’. According to the research, one in [...]

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Thinking of privately educating your child?

July 27, 2021

Private school fees have once again increased this year, with an average termly fee of £12,000 (£36,000 per year) for boarding schools and £5,064 (£15,191 per year) for day pupils*. A lifetime endeavour As data from the Independent Schools Council shows, sending your child to [...]

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Pension savers enticed by ‘risky’ investments

July 20, 2021

At a time where it is becoming harder to save up adequate sums for retirement, a new study shows that the UK’s low interest rate environment is causing retirees to turn to riskier pension and investment products which could potentially lose them a significant sum. [...]

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Warm outside? Don’t forget about the LTA freeze

July 14, 2021

Summer, freedom and (hopefully) sunshine are all well on the way, but not planning for the Lifetime Allowance (LTA) freeze could cast a cloud over your finances. For the next five years (until April 2026), the pension LTA will be held at its current level [...]

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Have you updated your pension expression of wishes?

June 17, 2021

If not, now is the time! Essentially, an expression of wishes allows you to designate one or more beneficiaries whom you would like to inherit your pension. While many people draw up an expression of wishes when they first open their pension, many forget that [...]

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Stay vigilant so it doesn’t happen to you

May 25, 2021

Scams are still happening to many people. It can be tempting to think, “it won’t happen to me” but think again and stay vigilant! In the year to September 2020, Action Fraud received over 17,000 reports of investment fraud, totalling £657.4m in losses, up by [...]

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