Check out below all the articles and updates from Kellands.
September 6, 2023
If you’re retiring soon, you may be choosing whether to prioritise your mortgage or pension contributions as you approach later life. Learn more here.
September 6, 2023
Early retirement is a priority for many people – but in light of recent pension legislation changes, working for longer could be beneficial. Here’s why.
September 6, 2023
“Sideways disinheritance” locks certain members of your family out of an inheritance when you die. Learn here how to avoid it, and what we can do to help.
September 1, 2023
“Estate planning” describes laying out a strategy for how and when you’ll pass your wealth to the next generation. Find out 3 key areas to consider here.
August 11, 2023
Are you planning to leave property to the next generation when you pass away? Find answers to your questions about Inheritance Tax and property here.
August 10, 2023
If someone in your family dies or becomes too ill to make their own decisions, you may find yourself taking over their finances. Here’s how we can help.
August 10, 2023
After peaking at 11.1% in October 2022, inflation is now declining. Find out what this could mean for your cash savings, investments, and monthly budget here.
August 10, 2023
There are plenty of options for managing investment risk within your pension as you approach retirement, but what do they mean for you? Find out more here.
July 5, 2023
As interest rates rise, many people are facing an increase in their monthly mortgage repayments. Here are four options to consider if you’re one of them.
July 5, 2023
A recent study shows 4 in 5 members of Gen Z have begun their investing journey before they’re 21. Here’s how to help your children grow their wealth.
July 5, 2023
Research shows that 43% of over-55s do not understand a crucial rule around pensions. Find out what you need to know before you retire here.
June 15, 2023
One of the most potent mental factors that could have a real-world impact on your wealth is a fear of failure. Learn two powerful ways this could manifest here.
June 15, 2023
3 in 4 people can’t put a figure on their pension wealth. Here’s why you should know yours, and how this awareness could improve your retirement circumstances.
June 15, 2023
Trusts can be a tax-efficient way to set funds aside for loved ones. Here are 3 tax factors to consider when ring-fencing wealth within a trust.
May 18, 2023
If you’re looking to set a child or grandchild up for financial stability, paying into a pension on their behalf could be a great place to start. Here’s why.
May 18, 2023
As more people look to help family during the cost of living crisis, find out four persuasive reasons to approach financial planning together.
May 18, 2023
When was the last time you reviewed your life insurance documents? Learn three hidden ways you could reap value from your policy without making a claim.
April 17, 2023
Financial stress can feel all-consuming, and could have an impact on both your health and your wealth. Read 5 tips to overcome it in Stress Awareness Month.
April 17, 2023
A recent study shows the top four retirement planning regrets held by retirees. Find out what they are, and how you could avoid them as best you can.
April 17, 2023
As an investor, you may find the wealth of information at your fingertips to be overwhelming. Here’s how to overcome “analysis paralysis” in the digital age.
March 15, 2023
The chancellor has delivered the government’s spring Budget. Read about Jeremy Hunt’s statement and what the Budget means for you and your finances.
March 15, 2023
If you want to know how the spring Budget affects you, here are all the winners and losers from the chancellor’s latest fiscal announcement.
March 13, 2023
Research shows more than half of investors have made choices they later regretted. Learn how to stay disciplined if you often make emotional investments.
March 13, 2023
If you receive an inheritance, you might be wondering how to use these funds. Read four ways to spend your inheritance with the help of a financial planner.
March 13, 2023
With Corporation Tax set to rise in April 2023, find out 3 important things business owners should know about the increase – and how we can help.
February 13, 2023
If you’re married, divorce is a subject that you likely don’t want to think about on a regular basis. After all, the process of divorce is emotionally draining, life-changing, and often expensive too.
February 13, 2023
Since the pandemic, there has been a spike in retirees returning to work.
February 13, 2023
As you reach mid-life, your responsibilities may hit a peak. You could still have children living at home, be reaching milestones at work, and may also have aging parents or relatives who require your support and attention.
February 7, 2023
The deadline for back-paying National Insurance contributions from 2006 to 2016 falls on 5 April. Read everything you need to know about taking this step.
January 19, 2023
If your loved ones have high hopes to become first-time buyers this year, here are 3 things you need to know before you provide financial support.
January 19, 2023
2022 was a tricky year for many people’s finances. As 2023 begins, learn about 8 small-yet-mighty financial tasks to tick off your to-do list this new year.
January 19, 2023
Research has found that up to 2 million earners could find themselves effectively paying 60% Income Tax by 2028. Here’s everything you should know.
January 10, 2023
As 2023 gets under way, read five essential things to know about your finances in the new year, plus how we can help you weather any changes.
January 4, 2023
If you’re taking stock after a year of ups and downs, read about two practical financial new year resolutions you can actually stick to in 2023.
December 19, 2022
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.
December 16, 2022
Read a note of thanks from our Managing Director, Guy Kelland, who tells us his highlights of the year – plus what to expect from Kellands in 2023.
December 5, 2022
At Kellands we are committed to training and professional development and often invite thought leaders and industry experts to share their knowledge with the team.
November 23, 2022
Between 2 and 8 December, many will mark Grief Awareness Week. A time for seeking help when you need it, Grief Awareness Week lets us ruminate on how we can help ourselves and our loved ones through impossibly difficult times.
November 23, 2022
As you may already be aware, in early November 2022, the Bank of England (BoE) raised the base rate to 3% – its highest level since 2008.
November 23, 2022
As the cost-of-living crisis prevails, you might be searching for ways to boost your disposable income to match rising costs.
November 18, 2022
After the recent political and economic turmoil, Jeremy Hunt has delivered the government’s autumn statement. Here are the key points and what they mean for you.
November 2, 2022
Following a thorough application process we’re delighted to have been recognised for Citywire’s New Model Adviser list of Top 100 financial planning firms 2022.
October 20, 2022
After the pound fell swiftly at the end of September, read about what a weaker pound could mean for your wealth in the coming months, and how we can help.
October 20, 2022
As the spooky celebration of Halloween approaches, learn three truly terrifying financial mistakes you could make this year, and how to cleverly avoid them.
October 20, 2022
A trust can be a fantastic way to provide opportunities to the next generation. Learn three clear ways to make sure your wishes are fulfilled by trustees here.
October 7, 2022
It’s been a worrying few weeks in the global financial markets. Read below about the current uncertainty, and why it’s important to remain calm in volatile times.
September 21, 2022
Three-quarters of Brits are worried about the cost-of-living crisis, including many higher earners. Here are some useful tips for maintaining your financial mental health.
September 21, 2022
If your child or grandchild is heading off (or returning to) university, here’s a comprehensive guide to everything you need to know about student finance.
September 21, 2022
Working with your Kellands financial planner before you retire can help you live the lifestyle you want in later life. Here are three powerful reasons why.
August 9, 2022
Since the Lifetime Allowance has been frozen until 2026, you could be paying too much into your pension. Find out all you need to know here.
August 9, 2022
Research shows 2 in 5 people are relying on an inheritance to fund their retirement. Find how these circumstances could affect you and your loved ones.
August 9, 2022
Retiring after a long, successful career is a rewarding feeling, but it can come with emotional difficulties. Read about how to retire happily in today’s world.
August 2, 2022
Our latest monthly investment update for August 2022 looks at how the global investment markets, economy, and commodities are performing.
July 18, 2022
The first half of 2022 has seen downswings around the world, concerning some investors. Here’s how to be entirely unflappable in an era of market volatility.
July 18, 2022
As high inflation and a rising base rate contribute to the cost of living crisis, find out how the property market fared in the first half of 2022
July 18, 2022
Since 2016, the full new State Pension regulations have been altered. Find out what you have to do to stay eligible before the deadline in April 2023.
July 4, 2022
Our latest monthly investment update for July 2022 looks at how the global investment markets, economy, and commodities are performing.
June 16, 2022
We all have dreams and goals – but are you struggling to make yours a reality? Learn about five life-changing books that could help you reach your goals.
June 16, 2022
Financial scams are ever-increasing in today’s world. Here’s how to spot potential fraud, and how your financial planner can help protect your wealth.
June 16, 2022
The cost-of-living crisis may already be affecting your finances – and it could affect your children too. Read about how to protect your kids from rising costs.
June 4, 2022
Our latest monthly investment update for June 2022 looks at how the global investment markets, economy, and commodities are performing.
May 18, 2022
As the cost of living crisis continues, making the most of your tax-efficient allowances is vital. Learn about the unmissable tax breaks you could use this year.
May 18, 2022
The Queen’s Platinum Jubilee arrives in June, signifying an amazing 70 years on the throne. Read three things Elizabeth II could teach you about managing your money.
May 3, 2022
Our latest monthly investment update for May 2022 looks at how the global investment markets, economy, and commodities are performing.
April 27, 2022
Research shows that the “mid-life responsibility peak” hits at age 45 to 65. Learn how your financial planner can support you at this crucial stage of your life.
April 27, 2022
In last year’s Budget, chancellor Rishi Sunak unveiled a set of allowance freezes that came into effect in April. Learn how the freezes could affect your money.
April 27, 2022
As an employer, a salary exchange scheme could help cut costs in an economically uncertain time. Read how salary exchange can benefit you and your employees.
April 12, 2022
Gifting money could be an easy way to transfer your wealth and reduce the risk of a big Inheritance Tax bill. Read three ways to gift your wealth efficiently.
April 12, 2022
Just like skydiving, drawing your pension can feel like a giant leap of faith. Learn what skydiving can teach you about managing the “free-fall” into retirement.
April 7, 2022
The new tax year has just begun, and with it has come a set of changes that will likely affect you and your business.
April 4, 2022
Our latest monthly investment update for April 2022 looks at how the global investment markets, economy, and commodities are performing.
January 4, 2022
Our latest monthly investment update for January 2022 looks at how the global investment markets, economy, and commodities are performing.
November 25, 2021
According to new research, more than half of UK adults say the Covid-19 pandemic has affected their retirement plans.
November 2, 2021
Our latest monthly investment update for November 2021 looks at how the global investment markets, economy, and commodities are performing.
October 19, 2021
The latest study from the Pensions and Lifetime Savings Association (PLSA) provides a guide to what income you may need
October 11, 2021
This week is Financial Planning Week so what better time to look at the reasons why financial planning is so important.
October 11, 2021
Many bereaved families are missing out on significant inheritance tax rebates
September 2, 2021
Our latest monthly investment update for September 2021 looks at how the global investment markets, economy, and commodities are performing.
August 4, 2021
Latest statistics show a 4% increase in tax take with almost a third more families affected
August 2, 2021
Our latest monthly investment update for August 2021 looks at how the global investment markets, economy, and commodities are performing.
July 14, 2021
Price inflation in the UK is still rising, with the official rate up to 2.5% in the past year.
July 1, 2021
Our latest monthly investment update for July 2021 looks at how the global investment markets, economy, and commodities are performing.
June 8, 2021
A spate of recent surveys shows both how people have responded to pensions throughout the pandemic and their general lack of understanding and engagement.
June 1, 2021
Our latest monthly investment update for June 2021 looks at how the global investment markets, economy, and commodities are performing.
May 24, 2021
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.
May 17, 2021
Whilst investors are increasingly prioritising socially responsible investments, fund managers are getting in on the act too.
May 4, 2021
Our latest monthly investment update for May 2021 looks at how the global investment markets, economy, and commodities are performing.
April 6, 2021
Today is the start of the new tax year, so this could be the best time to take advantage of one of the tax breaks available to you, by opening a Stocks and Shares ISA.
April 1, 2021
In our latest monthly investment update for April 2021, we look at how the global investment markets, economy, and commodities are performing.
March 1, 2021
In our latest monthly investment update for March 2021, we take a look at how the global investment markets, economy and commodities are performing.
February 16, 2021
With the end of the 2020/21 tax year quickly approaching, we look at a few key areas to address whilst you still have time to act. Chartered Financial Planner Ian Boasman gives us his top tips.
February 1, 2021
In our latest monthly investment update for February 2021, we take a look at how the global investment markets, economy and commodities are performing.
January 18, 2021
The 10 steps to help you build a better financial future.
January 7, 2021
In our latest monthly investment update for January 2021, we take a look at how the global investment markets, economy and commodities are performing.
December 21, 2020
A look at how one of the Kellands team has adapted to cope with the challenges of 2020.
December 9, 2020
As the festive season approaches, have you considered gifting your children or grandchildren something this Christmas?
November 30, 2020
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.
November 20, 2020
Fraudulent schemes have been around a long time but modern scams are becoming far harder to spot.
November 16, 2020
Now more than ever it is important that you can access your finances virtually and at a time and place to suit you. At Kellands, clients have access to world class technology, which helps them to take control of their finances wherever and whenever they like.
October 20, 2020
How professional support helps to improve the emotional wellbeing of clients
October 15, 2020
The Kellands Friday morning drop in sessions now run virtually.
October 7, 2020
Having a financial plan in place early on can make it easier to manage your money further down the line
October 5, 2020
This week is Financial Planning Week so what better time to look at the reasons why financial planning is so important.
October 1, 2020
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.
September 30, 2020
This latest Guide to Money explains the importance of saving for young people, as well as the effect of time on saving and investing.
September 18, 2020
Before you reach age 55, it’s a good idea to check the amount of pension you may get at retirement.
August 6, 2020
Why the outbreak of the coronavirus may mean it’s time to consider your life insurance cover.
August 4, 2020
In our latest monthly investment update for August 2020, we take a look at how the global investment markets, economy and commodities are performing.
July 12, 2020
Why you should remember that pension savings are for the long-term.
July 9, 2020
Yesterday the chancellor announced the suspension of stamp duty on property sales of up to £500,000 in England and Northern Ireland.
June 16, 2020
Steven Bell of BMO Global Asset Management shares his views.
June 3, 2020
In our latest monthly investment update for June 2020, we take a look at how the global investment markets, economy and commodities are performing.
May 20, 2020
Finally, some good news for the housing sector arrived last week.
May 17, 2020
A surge in 55th birthdays and the fifth anniversary of pension freedoms were unintentionally timed this year to coincide with the current coronavirus pandemic.
May 15, 2020
In the current environment, it is more important than ever to have someone who can help you with your finances.
May 6, 2020
Scammers are exploiting fears over coronavirus to target consumers. Follow our tips to avoid being scammed.
May 4, 2020
In our latest monthly investment update for May 2020, we take a look at how the global investment markets, economy and commodities are performing.
May 1, 2020
The Government has drafted emergency legislation to help people with their personal finances during the coronavirus crisis.
May 1, 2020
During these challenging financial times, to what extent have pension savers been raiding pension pots?
April 22, 2020
Stock markets have tumbled since the coronavirus outbreak but analysis shows that markets in the past have bounced back strongly over time.
April 17, 2020
We take a look at markets in Q1 2020, when the spread of coronavirus across the world had a major impact on global markets.
April 16, 2020
The economic impact of the coronavirus pandemic on the UK is likely to be significant, but recovery may be quicker than in other countries.
April 15, 2020
Whilst tools that can reduce business travel have long been available, the coronavirus has forced us to use them - and the climate could benefit.
April 9, 2020
As the new tax year begins, Chartered Financial Planner Chris Bull explains why even in times of crisis it is important to plan your finances early.
April 2, 2020
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.
March 26, 2020
After weeks of market volatility, with markets seemingly in freefall as the coronavirus gripped the global economy, this week has seen some more encouraging signs.
March 4, 2020
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.
March 2, 2020
In our latest monthly investment update for March 2020, we take a look at how the global investment markets, economy and commodities are performing.
February 10, 2020
Why you should avoid knee-jerk reactions by focusing on long-term investment objectives.
February 7, 2020
With an ageing population and a prolonged period of rising property prices, it’s no surprise to see equity release growing in popularity.
February 3, 2020
In our latest investment update for February 2020, we take a look at how the global investment markets, economy and commodities are performing.
January 29, 2020
Make the most of your valuable allowances, reliefs and exemptions as we approach the end of the 2019/20 tax year on 5 April.
January 21, 2020
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.
January 14, 2020
New research from Royal London and the International Longevity Centre (ILC) has shown that receiving financial advice provides an average £47,000 uplift in wealth over a decade
January 2, 2020
As we start the New Year, we take a look at how the global investment markets, economy and commodities are performing.
December 16, 2019
New industry project Yes She Can has looked at how companies outside financial services engage with women in a bid to apply this to advice and investment more broadly.
December 2, 2019
In our latest monthly investment update for December 2019, we take a look at how the global investment markets, economy and commodities are performing.
November 25, 2019
Whatever your political allegiance, 2019 looks set to end on a positive note. As the year comes to an end, Chartered Financial Planner and Business Development Manager, Chris Bull, gives us his take on the markets this year.
November 15, 2019
If you reach retirement age with insufficient savings, you face several choices.
November 1, 2019
In our latest monthly investment update for November 2019, we take a look at how the global investment markets, economy and commodities are performing.
October 24, 2019
What’s your retirement savings target?
October 15, 2019
If you are in your 50s or 60s, your thoughts are probably turning towards retirement. When should you retire? How much money do you need?
October 8, 2019
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.
September 17, 2019
When do you plan to retire? The date you select for your retirement can have a significant impact on the value of your pension pot.
September 10, 2019
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.
September 6, 2019
In our latest monthly investment update for September 2019, we take a look at how the global investment markets, economy and commodities are performing.
August 27, 2019
An unusual new bank has taken one of the top spots in a list of the biggest lenders.
August 19, 2019
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.
August 11, 2019
It’s official. The UK economy has shrunk in size for the first time in seven years.
July 31, 2019
What’s happening this week in the markets? We summarise the news from around the world.
July 10, 2019
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.
July 4, 2019
Latest data from the Office for National Statistics (ONS) shows a major increase in the number of dormant pension pots, making the case for the mooted pensions dashboard even stronger.
June 27, 2019
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.
June 12, 2019
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.
May 21, 2019
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?
May 2, 2019
In this latest monthly investment update for May 2019, we look at how the investment markets, the global economy and commodity prices are performing.
April 24, 2019
Brits spend more time planning a holiday than ensuring they have the right pension and financial plans in place.
April 16, 2019
UK dividends reached a record high in the first quarter, growing to a total of £19.7bn.
April 5, 2019
As an extension to the Brexit deal looks to be on the cards, we revisit what this means for investors. Should you delay making further investments at this juncture, or even switch to cash, before there is more clarity on the way forward?
March 29, 2019
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.
March 1, 2019
In our latest monthly investment update for March 2019, we look at how the investment markets, the global economy and commodity prices are performing.
February 25, 2019
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.
February 18, 2019
Gold is a bit like the Marmite of the investing world; you either love it or you hate it.
January 31, 2019
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.
January 14, 2019
Last year was not a good one for global stock markets and many experts have been talking of a global recession in 2019 and beyond. But are these fears premature?
January 3, 2019
As we start the New Year, we take a look at how the investment markets, global economy and commodity prices are performing.
December 14, 2018
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.
December 8, 2018
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?
December 4, 2018
As 2018 enters its final month, we have taken a look at how the investment markets, global economy and commodity prices are performing.
November 22, 2018
Some new research has found that only 39% of Brits who have made a will plan to divide their money equally between beneficiaries.
November 7, 2018
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.
October 30, 2018
Chancellor Philip Hammond has delivered his latest Budget to parliament, the first to take place on a Monday since 1962.
October 17, 2018
In uncertain times, it is always worth remembering the old adage – that time in the market matters more than timing the market.
September 23, 2018
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.
September 9, 2018
As the Brexit deadline of 29 March 2019 approaches, what impact will Brexit have on UK investors?
September 1, 2018
With the summer holidays drawing to a close, the inevitable round of speculation about pension tax relief changes in the Autumn Budget has begun.
August 15, 2018
My property is my pension is a phrase we often hear as financial advisers. Does this stack up?
August 2, 2018
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.
July 9, 2018
As we bask in this long hot spell, many of us will start dreaming of giving up work and enjoying a sunny retirement, doing the things we’ve always wanted to do. However, some recent surveys suggest that many of us could be in for a bit of a shock.
June 20, 2018
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?
June 7, 2018
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.
May 18, 2018
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.
April 20, 2018
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.
April 6, 2018
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.
March 23, 2018
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?
March 3, 2018
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.
February 16, 2018
The increasing popularity of equity release as part of the retirement planning mix was demonstrated in 2017, which saw new records set in the equity release market.
February 6, 2018
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?
January 8, 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.
January 3, 2018
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?
December 8, 2017
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?
November 23, 2017
Yesterday’s budget came and went with no changes to the main tax reliefs and allowances. This is almost unprecedented and represents good news for investors after years of governments tinkering with the rules.
November 5, 2017
The raising of the Bank Rate to 0.5% last Thursday was the first interest rate rise in over 10 years. So has the tide turned, will interest rates now continue to go up – and if so, what impact will higher rates have on investor’s portfolios?
October 22, 2017
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.
October 5, 2017
Many experts and fund managers are forecasting that Europe could be the place for investors to be over the next few years.
September 19, 2017
Asset allocation is seen by many as the main driver behind investment performance. So what is it and how does it work?
September 4, 2017
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.
August 16, 2017
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?
July 21, 2017
A recent research report shows that those who receive financial advice are on average around £40,000 better off than those who do not bother to get advice.
July 8, 2017
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?
June 9, 2017
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.
June 2, 2017
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.
April 10, 2017
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.
April 3, 2017
When it comes to investing via investment funds, there are two main strategies - active management and passive management.
March 15, 2017
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.
March 9, 2017
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.
March 9, 2017
Whilst there was no change in some areas, the two big talking points of the budget were the reduction in the tax-free dividend allowance and an increase in National Insurance (NI) for the self-employed.
February 23, 2017
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.
February 16, 2017
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.
January 21, 2017
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.
January 17, 2017
At the start of any New Year, people tend to take stock and make plans for the future – holidays, family matters, house moves, cars. A financial review also makes sense at this time.
January 7, 2017
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.
December 23, 2016
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.
November 24, 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.
November 12, 2016
The Dow Jones ended the week at a record high after the shock Trump victory.
November 5, 2016
The FTSE 100 endured its worst week since January, driven by fears of a Donald Trump victory and the strengthening pound.
October 19, 2016
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.
October 5, 2016
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.
September 25, 2016
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.
September 21, 2016
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.
August 31, 2016
Consumer confidence has not been dented by Brexit and nor has the stock market.
August 4, 2016
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.
July 22, 2016
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.
June 25, 2016
So Brexit has won the day and the UK has voted to leave the EU. What impact will the result have on investors?
April 11, 2016
The new pension rules that came into effect just over a year ago mean it could now sometimes make sense to ditch your final salary pension.
March 17, 2016
The budget saw some good news for savers and investors as well as a reduction in capital gains tax.
March 8, 2016
With the drastic reduction in lifetime allowance, many investors are turning to VCTs to top up their income.
March 1, 2016
Significant tax changes are due in April 2016, so reviewing your financial plans ahead of that could pay dividends.
February 22, 2016
The date for the EU Referendum has been set for 23 June. So what impact will it have on the markets?
February 12, 2016
The pensions revolution of April 2015 means pensions can now play an important role in inheritance tax planning (IHT).
February 1, 2016
More pension changes are on the way, which is bad news this time, particularly for high earners.
January 21, 2016
The FTSE100 entered bear market territory on Wednesday, closing over 20% below its previous peak of 7103.98 last April.
January 18, 2016
The last summer budget saw the Chancellor deliver his promise to increase the Inheritance Tax (IHT) threshold to £1m. However, it is not quite what it seems.
January 7, 2016
Warren Buffett famously said about successful investing “Be fearful when others are greedy and greedy when others are fearful”.
January 1, 2014
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?