Our Articles

Check out below all the articles and updates from Kellands.

February 21, 2024

Why retirement planning does not stop when you retire

When you see the phrase “retirement planning”, you might assume that this describes the 10 or 20 years before you finish working. And while the pre-retirement phase is crucial, the benefits of retirement planning do not end on your last day of work.

Read more

December 19, 2022

2022, A Unique Year

With 2022 drawing to a close, it can be said that financial markets in 2022 have faced difficulties unlike they have seen for some time.

Read more

May 24, 2021

When to start thinking about pension drawdown?

If your eye was drawn to this article, the answer is probably now! Knowing how a drawdown income is constructed is fundamental, and not just for those approaching the end of their career. Starting with the end in mind, allows you to work backwards from a target. It tells us the steps to be taken today, in order to enjoy the lifestyle you aspire towards in the future, for you and your family.

Read more

November 30, 2020

Kellands Wealth Platform update

In our ongoing commitment to ensure we are offering our clients the most up to date technology possible we are delighted to announce some improvements to the Wealth Platform.

Read more

October 1, 2020

Kellands supports Financial Planning Week

Kellands are proud to support Financial Planning Week, 5-11 October. The annual campaign organised by the not-for-profit professional body the CISI, is a national initiative to help the UK public to feel more confident about their finances.

Read more

April 2, 2020

Time in the market, not timing the market

In this insight article, we discuss why having a long-term horizon can help investors avoid making poor investment decisions, and also how a mix of different asset classes and adopting a "buy-and-hold" strategy can be beneficial at times of uncertainty.

Read more

March 4, 2020

Coronavirus Update

Coronavirus (COVID-19) has dominated headlines of late, and whilst the primary cost is of course a human one - the coronavirus itself should not derail your investment or retirement strategies and as ever your goals and objectives remain long term ones.

Read more

January 29, 2020

Are You Tax-Wise?

Make the most of your valuable allowances, reliefs and exemptions as we approach the end of the 2019/20 tax year on 5 April.

Read more

January 21, 2020

Are you a ‘Pension-preneur’?

It’s no secret that the nature of retirement is changing. What used to be considered by many as a quiet, relaxing time in life, is increasingly becoming a period of greater activity.

Read more

October 8, 2019

Time to consider socially responsible investing (SRI)?

The past decade has seen a big increase in ethical investing, although in overall terms, it is still a relatively niche market. In the middle of Good Money Week, which aims to let investors know about the range of ethical and sustainable financial options, we take a brief look at some of the statistics and issues.

Read more

September 10, 2019

Political chaos and trade wars, how does this impact your financial plan?

As we reach the end of summer thoughts naturally turn to the future. Following the political turmoil being experienced through Brexit, it may seem a relatively challenging time for investors. Kelland’s Chartered Financial Planner, Chris Bull gives us an overview on the markets and whether times are as unique as they seem.

Read more

August 19, 2019

Putting the heart into finance

Financial planning firms come and go, but family-run Kellands in Hale has been thriving for nearly three decades and, simply put, isn’t going anywhere anytime soon.

Read more

July 10, 2019

Mortgages made easy

When you need to take out a mortgage, whether you are a first time buyer, moving to a new home, buying a holiday home, remortgaging or buying to let, comprehensive mortgage planning is essential.

Read more

June 27, 2019

Are illiquid funds built on a lie?

The liquidity of investment funds has come into sharp focus in recent weeks, following the trading suspension imposed on investors in the Woodford Equity Income fund.

Read more

June 12, 2019

Are UK retirees withdrawing too much from pension drawdown?

Latest figures from HMRC show that the average pension withdrawal from pension drawdown schemes in the UK is £7254. This is around 6%-9% of the average pension pot, well above the 4% often touted as a sustainable rate. The upshot is that savers could be at risk of running out of money in retirement.

Read more

May 21, 2019

Some thoughts for income investors

Interest rates have been at record lows for over 10 years, causing problems for income investors, who have had to take on more risk to get some decent income yields. So what can income investors do to maximise their income potential going forward, without risking too much capital?

Read more

March 29, 2019

Apathy towards inheritance tax

Recent research shows that most adults don’t have a will in place and that more than half have no plans to carry out any estate planning to mitigate inheritance tax.

Read more

February 25, 2019

What are the risks for drawdown investors?

Since the pension freedoms were introduced back in 2015, many retirement investors have opted for income drawdown as part of their retirement income strategy. This can make sense for many, but there are risks involved.

Read more

January 31, 2019

Bond outlook improves following market volatility

When equity market volatility strikes, investors often flee to safety in the form of bonds. Fixed income securities (bonds) are traditionally seen as a less risky asset class than equities, although their value can also go down as well as up.

Read more

December 14, 2018

The smart way to give your kids money this Christmas

Many children get inundated with gifts at Christmas, often based on the latest fad or craze. However, parents, grandparents and relatives wanting to give a Christmas gift that lasts a bit longer might like to consider investing for their child or grandchild instead - for example through an investment children’s savings scheme or a Junior ISA.

Read more

December 8, 2018

Maintaining focus in volatile markets

For investors, it’s always a scary time when markets get volatile - particularly when they start to tumble. So what should investors be doing and should they be reviewing their investment portfolios?

Read more

November 7, 2018

State pension age equalisation is here

State pension age equalisation has taken place in the UK. The gradual change now means that women qualify to start getting their state pension from age 65, the same age as men.

Read more

September 23, 2018

Protect your estate for future generations

If you are confused by the UK’s inheritance tax regime, recent research shows that you are not alone. Yet getting your inheritance tax planning wrong could mean your family is faced with an unexpectedly high inheritance tax (IHT) bill.

Read more

August 2, 2018

Bank raises interest rates

For only the second time in a decade, we have an interest rate rise. This was heavily trailed, and as expected, the rate has been raised from 0.5% to 0.75%. This represents the highest bank rate level since March 2009.

Read more

June 20, 2018

What will a trade war mean for investors?

For quite a while now, there has been talk of a trade war between the US and China. However, it’s now starting to look serious. So as markets have slipped across the world, what will the long-term impact be on investors?

Read more

June 7, 2018

How to cut your inheritance tax bill

The amount paid in inheritance tax (IHT) reached a record high last year, with over £5.2bn being paid. Yet whilst death and taxes are inevitable, IHT has been called the ‘avoidable tax’ or the ‘voluntary tax’ as with some careful inheritance tax planning there are many ways to avoid it or at least reduce it significantly.

Read more

May 18, 2018

Property or investments for income?

With interest rates being held once more last week, and likely to rise only slowly going forward, the debate about whether income investors should look towards buy-to-let to generate the income they need raises its head again.

Read more

April 20, 2018

Investing in a volatile market.

The FTSE100 reached a new all-time high of 7778.64 on 12 January this year. In the three months since then, we have seen the index drop at one point by almost 9% to just below 7000, although it has recovered a bit since then, closing last night up a tad at 7328.92.

Read more

April 6, 2018

A new tax year. Time for some tax planning?

The new tax year begins today, so the new tax allowances and benefits come into force. This year, most but not all of the changes are good news but here’s a quick guide to what the new tax year has in store for you.

Read more

March 23, 2018

Is now the time to be invested in the UK?

With the FTSE100 dipping below 7,000 for the first time in over a year, and with professional investor sentiment fairly negative about UK equities at the moment, what does the future hold for those investing in the UK?

Read more

March 3, 2018

Some year-end tax planning tips

With the end of the tax year just over a month away, it’s time once again to consider any last minute tax and pension planning, to make sure you utilise the tax breaks available to you. Here’s just a few ideas and options, some of which may be appropriate for you.

Read more

February 6, 2018

Dealing with a Stock Market Correction

The last few days have seen markets fall around the world, prompting some to consider whether this is finally the end of the current long bull run. Sudden sell-offs can cause consternation amongst investors, so what is the best way to deal with a stock market correction?

Read more

January 8, 2018

Where to invest globally in 2018

The start of a new year is always a good time to review your investment goals. To help that process, here are some thoughts on what the experts are saying is in store for 2018.

Read more

January 3, 2018

What does 2018 have in store for UK investors?

At the start of 2017, there was talk of a Brexit-inspired economic meltdown in the UK, a market correction and interest rate rises. None of these happened. Why was this – and what can investors expect in 2018?

Read more

December 8, 2017

Will we see a Santa Rally this year?

For investors, the Santa Rally has proved to be a ‘strange but true’ phenomenon over a lengthy period. So will we see one this year, particularly as 2017 has already seen impressive returns across most stock markets?

Read more

October 22, 2017

Using the pension freedoms could see you run out of cash

Over a million people have taken advantage of the pension freedoms introduced in April 2015, which allow over-55s to take their pensions as cash rather than buy an annuity. However, many are missing out because they do not seek financial advice.

Read more

September 4, 2017

Smart beta. A different style of investing

If investing jargon is all Greek to you, then smart beta may not initially appeal! However, smart beta represents an alternative style of investing, to add to the more familiar active and passive investment styles.

Read more

August 16, 2017

As an investor, how do you spot the next big tech thing?

The first half of 2017 saw technology stocks flying on Wall Street. Whilst the passion for all things tech has cooled a bit of late, the world has certainly become a digital and technological marketplace. So as an investor, looking for the next big thing, how can you pick the new Facebook or Google?

Read more

July 8, 2017

Pensions, hung parliament and Brexit

The general election and the ensuing hung parliament, along with Brexit, could have an impact on pensions. A month into the new parliament, what is the current situation regarding pensions and what is the likely impact on investors?

Read more

June 20, 2017

Election 2017

Attached is a special one-off newsletter from Kellands Hale which outlines what investors need to think about in the aftermath of the snap election.

Read more

June 9, 2017

Hung parliament – the implications for investors.

Following last night’s General Election, we now have a hung parliament – as we did back in 2010. The immediate upshot this morning was a fall in sterling of around 2% but at the same time a rise in the FTSE 100 of over 1%, with the index reaching 7545.12, not too far from the current intra-day record of 7,598.99.

Read more

June 2, 2017

Why collective investments?

Whilst some investors select specific stocks, most investors use collective investment schemes. This makes a lot of sense as it reduces risk for the investor.

Read more

April 10, 2017

Retirement and IHT planning intertwined?

Whilst the start of this tax year sees the new main residence nil rate band (MRNRB) come into effect for inheritance tax (IHT) planning purposes, the recent changes to pension rules have affected the IHT planning world in perhaps a more radical way.

Read more

March 15, 2017

Year-end tax planning

There are still a few weeks to go for year-end tax planning, so here are a few guidelines to help you make any last minute plans.

Read more

March 9, 2017

Tax-free dividend allowance cut – act now

The Chancellor announced in yesterday’s budget that the tax-free dividend allowance will fall from £5,000 to £2,000 a year from April 2018. This means investors should look to act now to make the most of their tax allowances.

Read more

February 23, 2017

Is past performance a useful guide for future returns?

When it comes to investing in funds, looking at past performance data is very alluring and is the starting point for many. Because of this, despite the required disclaimer at the bottom of every piece of investment marketing material, stating that past performance is not a guide to future returns, most investors find it difficult not to rely on it.

Read more

February 16, 2017

VCTs selling out fast

Venture Capital Trusts (VCTs) are continuing to sell well this year, with one selling out within 24 hours, according to last Saturday's Times. The total raised by VCTs in 2016 was £169.5m, well up from the £110.8m in 2015.

Read more

January 21, 2017

Will the FTSE 100 continue to soar?

Friday 13th didn’t prove to be unlucky for the FTSE 100, which reached an all-time high that day, closing at 7,337.81, thus rising for an unequalled 14 consecutive sessions. Since then, the market has fallen back somewhat, leaving investors to ask whether this run can continue or if it has finally run out of steam.

Read more

January 7, 2017

FTSE 100 hits record high for seventh day running

Last night, the FTSE 100 closed with a seventh consecutive all-time high, rising 0.2%, or 14.74 points, to close for the first time ever at over 7,200 (7,210.05). This is approaching the longest run of consecutive closing highs, which was recorded in May 1997, when the FTSE 100 finished at all-time peaks for eight straight sessions. It also represents the fifth straight week of gains.

Read more

December 23, 2016

The lesson of 2016 – stay diversified.

Whether or not we see a Santa Rally this year, both the Dow Jones and the FTSE100 have already been flying high as we approach the year end, despite most expert predictions and the Brexit and Trump votes.

Read more

November 24, 2016

Autumn Statement 2016

In his first Autumn Statement, Chancellor Philip Hammond praised the "strength and resilience" of the UK economy since the Brexit vote and pointed out that the IMF predicts the UK will be the fastest growing major economy this year, with employment at a record high.

Read more

October 19, 2016

Inflation hits 1%. Options for savers and investors?

Inflation rose to its highest level in 22 months in September. The consumer prices index (CPI) rate of inflation increased to 1.0%, up from 0.6% in August and looks certain to go even higher in the next few months, possibly exceeding the Bank of England’s 2% target next year.

Read more

October 5, 2016

Stocks soar as sterling slumps

Stock markets in the UK soared yesterday, with the FTSE100 closing at 7,074.34, its highest level since the record finish of 7,104 in April 2015. Indeed, it came close to setting a new record high, before a last-minute burst of profit taking. Meanwhile, the FTSE 250 mid-cap index did close at a new peak.

Read more

September 25, 2016

Boring bull run OK for investors.

According to BofA Merrill Lynch, we are in the midst of the second longest cyclical bull market ever. They say the cyclical bull market started on 09 March 2009, and has now comfortably surpassed the June 1949-August 1956 rally, only being beaten by the December 1987-March 2000 advance.

Read more

September 21, 2016

Property funds post-Brexit

Following Brexit, many investors rushed to get out of UK open-ended property funds, but the fall in prices could present an interesting opportunity for the brave investor.

Read more

August 4, 2016

UK interest rates cut to record low level

As widely trailed, UK interest rates were cut today from 0.5% to 0.25% - a record low level and the first cut for over 7 years. The decision to cut interest rates was approved unanimously by the members of the Monetary Policy Committee (MPC) and further cuts were not ruled out.

Read more

July 22, 2016

Lower Capital Gains Tax helps investors

The cutting of capital gains tax (CGT) in the March budget was an unexpected surprise and is good news for those with larger portfolios held outside Isas and/or those sitting on significant gains.

Read more

July 14, 2016

Plus ça change, plus c’est la même chose

Amidst all the recent political changes, unexpectedly today the Bank Rate stayed the same – held at 0.5% for a further month at least. The rate has now been held at this level since March 2009.

Read more

February 12, 2016

Pensions and IHT planning

The pensions revolution of April 2015 means pensions can now play an important role in inheritance tax planning (IHT).

Read more

January 21, 2016

Grin and Bear it? Or Act?

The FTSE100 entered bear market territory on Wednesday, closing over 20% below its previous peak of 7103.98 last April.

Read more

January 7, 2016

2016 – Time to be greedy?

Warren Buffett famously said about successful investing “Be fearful when others are greedy and greedy when others are fearful”.

Read more

October 23, 2015

China in your hand

The formal state visit to the UK of Chinese President Xi Jinping this week coincided with official figures showing a fall in China’s GDP.

Read more

October 2, 2015

Don’t worry, be happy.

There is a lot of worrying going on in the financial and investment worlds at the moment. This has led to a good deal of market volatility.

Read more

September 11, 2015

Death of buy-to-let?

Some pressure is being put on the Government to reverse the new taxes proposed in the 08 July summer budget for buy-to-let investors.

Read more

September 1, 2015

Leaning towards a Pisa?

Pensions tax relief is in the spotlight again as a new Green Paper looks at the whole area of incentivising savers to prepare for retirement.

Read more

August 12, 2015

How the summer budget affects small businesses

Last month’s summer budget had a smattering of good news for the UK’s legion of small and medium sized businesses (SMEs) but the changes to dividend tax could have a big impact on many. The measures introduced could have some significant tax and financial planning implications.

Read more

July 29, 2015

The UK economy is “motoring ahead”.

The UK’s recovery is "motoring ahead", according to George Osborne, the Chancellor, as the latest data from the Office for National Statistics (ONS) showed that the UK economy expanded by 0.7% in the three months to the end of June.

Read more

July 9, 2015

A historic budget?

Yesterday saw the first fully Conservative budget since the one delivered by Ken Clarke back in 1996.

Read more

May 22, 2015

Post-election – business as usual

The FTSE 100 rose last Friday by 2.32% to 7046.82, as investors welcomed the election result – both the return of the Conservative Party and the fact that it had an overall majority.

Read more

April 19, 2015

Post-election raid on pensions likely

Much financial talk over the last year has been around the revolution in pensions, with the liberalisation of the rules to allow much greater pensions choice on retirement.

Read more

March 21, 2015

FTSE 100 eclipses previous record

There was a second eclipse late on Friday as the FTSE 100 rose above 7,000 for the first time and hit a new record high. The benchmark stock index closed the day at 7,022.51, having set a new intraday record of 7,024.21 during the afternoon session.

Read more

March 4, 2015

Pension changes due if Labour wins election

For some time, Labour have said that they would limit tax relief on pensions for "additional rate" taxpayers (those with income over £150,000) if they win the next general election. This plan has now been confirmed and they would use the savings to pay for a reduction in university tuition fees from £9,000 to £6,000.

Read more

February 25, 2015

A new all-time high

After threatening to do so a few times over the past year, the FTSE100 finally reached a new all-time high on Tuesday afternoon, passing the previous recorded at the end of the last millennium, just before the dotcom bubble burst.

Read more

February 18, 2015

Inflation rate falls to record low

The rate of UK Consumer Prices Index (CPI) inflation fell to 0.3% in January, according to figures from the Office for National Statistics (ONS) yesterday.

Read more

February 10, 2015

Electing to invest – for the long-term

This year, so far, the stock markets have held up fairly well, despite all the noise out there in the marketplace, with the FTSE100 running at around 3% above its end of 2014 closing figures.

Read more

February 3, 2015

The impact of QE in Europe

The much anticipated event finally happened in January. Mario Draghi of the European Central Bank (ECB) finally announced the introduction of quantitative easing (QE) in Europe with immediate effect. The figures are big - the ECB will buy back €1.1 trillion in assets, including government bonds and EU institutions, at a rate of €60bn per month.

Read more

January 13, 2015

UK inflation rate falls to 0.5%

December 2014 saw UK consumer price inflation fall sharply to 0.5%, down from the 1% recorded in November, according to the Office for National Statistics (ONS). Many economists were expecting a rate of around 0.7%.

Read more

January 2, 2015

From 2014 into 2015

As we enter 2015, it’s time to look back on the year gone by and start to plan for the year ahead.

Read more

November 23, 2014

Autumn Statement. Good news for house buyers

Following the Budget last March that introduced significant changes to savings and pensions, the final Autumn Statement before the General Election next year saw the Chancellor George Osborne overhaul the stamp duty system. The changes come into effect immediately and will, it is claimed, improve things for 98% of house buyers.

Read more

November 6, 2014

Where there’s no will

Last month, radical changes to the intestacy rules were introduced, representing the biggest change to the intestacy laws since they were introduced in 1925.

Read more

October 20, 2014

Your pension as a bank account

On Tuesday last week, the chancellor George Osborne put forward the Taxation of Pensions Bill, which gave further details of the revolutionary pension reforms first announced in the Budget back in March. Amongst the proposals, the chancellor announced that people will be able to use their pension pots “like bank accounts”, withdrawing money whenever they choose.

Read more

October 19, 2014

Scotland says ‘no’.

Yesterday Scotland voted no to independence by a 10.6% margin, higher than predicted by any of the various polls. The final result saw 55.3% voting ‘no’ and 44.7% ‘yes’.

Read more

October 10, 2014

Taking the rough with the smooth

Despite the UK economy doing well, the stock market has seen further falls this week, since the peaks reached in September. Revised figures from the Office for National Statistics (ONS) show that the economy grew slightly faster than first thought in the second quarter of 2014, up 0.9% rather than 0.8%. The ONS figures also show that the UK economy overtook its pre-recession peak earlier than thought, surpassing it in the third quarter of 2013 rather than the second quarter of 2014 as previously stated.

Read more

October 1, 2014

No more pensions ”death tax”

Earlier this year, the government announced momentous changes to the pension rules. And now there is more good news, with major changes being introduced to the tax treatment of pensions on death.

Read more

September 5, 2014

ECB cuts interest rates

At a time when talk in the UK is of when interest rates will rise, the European Central Bank (ECB) caught markets on the hop with cuts to its three main interest rates. The headline rate was lowered to 0.05% and the deposit rate to -0.2%. The Bank of England meanwhile left rates unchanged again this month.

Read more

September 1, 2014

Emerging markets re-emerging?

According to FE Analytics, one of the leading providers of investment data, Asia Pacific, excluding Japan, is the leading performer out of all the investment sectors this year, rising 10.1%. The global emerging markets sector has risen 7.8%. By way of contrast, the FTSE All-Share Index has been more or less flat over the year.

Read more

August 18, 2014

Sitting on top of the world

On Friday, it was reported that the UK economy grew by 3.2% in the second quarter compared with the same period last year. This is slightly higher than the original estimate of 3.1% and means the economy is growing at its fastest pace since 2007.

Read more

August 4, 2014

Pensions revolution under way

The radical pensions changes, announced back in the March budget by Chancellor George Osborne, were given approval on 21 July 2014. The main thrust of the proposals have been adopted in full and a few other areas have been clarified somewhat.

Read more

July 8, 2014

Some Nisa investment options

There were some interesting statistics in the Daily Telegraph recently, which amongst other things, pointed out that eight out of ten of the 23 million Isa investors choose cash accounts rather than opting for stocks and shares Isas.

Read more

July 1, 2014

Isas just got Nisa

With effect from today, the new Isa rules come into play. The result is a transformation in the way Isa schemes work, providing much more flexibility along with significantly larger tax-free allowances.

Read more

June 2, 2014

Two new funds out in June

‘Sell in May and go away. Come back on St Leger’s Day’. So goes the old adage and it is obviously one to ponder as we enter the month of June.

Read more

May 19, 2014

Investment prospects – bullish or bearish? Half full or half empty?

There has been a lot of good news recently on the financial and economic fronts. Business confidence in the UK is rising and the markets have been performing well. Elsewhere, industrial output figures suggest that the Eurozone is recovering, whilst the US Dow Jones index ended the month of April at a record level. Even the Spanish economy grew – and at its fastest rate since 2008. So it would seem that we are in a glass half full phase.

Read more

May 15, 2014

Will the UK economy win the World Cup?

"Securing the recovery is like making it through the qualifying rounds of the World Cup - it's a real achievement, but not the end goal. The prize in the economy is sustained and prolonged growth."

Read more

May 1, 2014

UK economy grows for fifth consecutive quarter

The UK economy grew by 0.8% in the first quarter of 2014. This follows on from the growth of 0.7% in the final quarter of 2013, according to the latest figures from the Office for National Statistics (ONS).

Read more

April 16, 2014

Inflation down, wages up

The UK inflation rate has fallen from 2.8% a year ago to 1.6% in March 2014, according to the Office for National Statistics (ONS). It is now at its lowest rate since October 2009.

Read more

April 8, 2014

UK the fastest growing economy in the G7 this year?

According to the latest World Economic Outlook forecast from the International Monetary Fund (IMF), the UK looks set to be the fastest growing major economy this year. Inflation has stabilised, unemployment is down, and consumer confidence is up, keeping the UK on track to post its strongest growth since 2007.

Read more

April 1, 2014

Some immediate pension changes

The budget saw some dramatic headline changes on the pension’s front, but some of these changes don’t come into play until next April 2015, partly to give pension providers time to adjust their systems and practices.

Read more

March 7, 2014

Don’t worry – be happy!

A couple of recent surveys by Scottish Widows are quite revealing about the nation’s psyche as well as behaviour when it comes to financial matters in general – and retirement in particular.

Read more

February 14, 2014

Interest rates to stay low for a while yet

Announcing on Wednesday what he called “phase two” of forward guidance, Mark Carney, the governor of the Bank of England, stated that interest rates are unlikely to rise before 2015, as the Bank believes the economy is not yet strong enough to support an increase.

Read more

February 10, 2014

Mortgages. Is it time to get your fix?

Mortgage rates have started to rise again, with five-year fixed rate mortgages moving up from their record lows. This is partly down to the improving economy, plus expectations that interest rates will now rise sooner rather than later.

Read more

February 1, 2014

UK economy grows at fastest rate since 2007

The UK economy grew by 0.7% in the fourth quarter of 2013, bringing the annual growth rate to 1.9%, according to the Office for National Statistics (ONS). The ONS said that this was the UK's fastest annual rate of growth since 2007.

Read more

January 22, 2014

Ups and downs – but all in a good way.

It has been a good start to the year for the UK in economic terms. The latest figures and reports show that not only is inflation coming down but unemployment is also down, whilst IMF predictions suggest that the economy is certainly on the up.

Read more

January 20, 2014

How to make a mint. Or not?

At the start of the noughties, some investors built their portfolios with BRICs – investing in the then emerging markets of Brazil, Russia, India and China. The past decade has worked out fairly well for them. However, several commentators believe that the BRIC markets are beginning to overheat and some investors are starting to look for new emerging market investment opportunities.

Read more

January 17, 2014

Possible annuity changes as income drawdown on the rise?

In a recent interview with the Daily Telegraph, Steve Webb, the pensions minister, spelled out his vision for an overhaul of how pensions work. The essence of his plan is that he wants pensioners to be able to switch to better annuities regularly in the same way that homeowners can change their mortgage deals every few years. The aim is to avoid the situation where pensioners are trapped in potentially poor-value schemes until they die.

Read more

January 14, 2014

Inflation finally hits government target

The Consumer Prices Index eased to 2% in December, down from 2.1% the month before. This is the first time that inflation has hit the government target of 2% since November 2009.

Read more

January 1, 2014

As an investor, how do you spot the next big tech thing?

The first half of 2017 saw technology stocks flying on Wall Street. Whilst the passion for all things tech has cooled a bit of late, the world has certainly become a digital and technological marketplace. So as an investor, looking for the next big thing, how can you pick the new Facebook or Google?

Read more

News & Views

July 12, 2024

Inflation has reached the Bank of England’s target rate. What now?

Inflation has reached the Bank of England’s 2% target rate for the first time since 2021. Find out what an on-target inflation rate could mean for your money.
Read more