Month: July 2020

How can invest for a child?

Investing for the financial future of children and grandchildren are key areas of concern for parents and grandparents. This can be for various reasons including funding education or helping them to buy a house in the future. There are special rules to consider when investments are made for the benefit of, or on behalf of,

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What was in the weekend’s papers? (27/07/2020)

Financial Times “Dividends are not dead — but your strategy might need recharging” Covid-19 has merely “accelerated the inevitable”, as dividend cuts were on the way from a number of companies. COMMENT: You can find our thoughts on income investing here. “What are your rights if your bank account is frozen?” Rising reports of fraud

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Am I better off managing my portfolio myself?

DIY investors now have unprecedented access to investment information and markets. This has levelled the informational playing field between them and professional investors. Even though you may have the tools to do manage your own portfolio, should you go down the DIY route? What you need to be a successful investor Time and interest You

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Is Capital Gains Tax going to increase?

On 14 July it emerged the Chancellor had written a letter to the Office of Tax Simplification (OTS) requesting it ‘undertake a review of Capital Gains Tax (CGT)’. Curiously, there was no announcement of the letter on the Treasury website. The tone of the correspondence is distinctly different from Mr Hammond’s letter requesting a simplification

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What was in the weekend’s papers? (13/07/2020)

FINANCIAL TIMES “Psychological traps investors should be wary of” Do you need an ‘emotional circuit breaker’ to prevent untimely investment decisions? COMMENT: You can find more about this here. We believe this to be one of the most important factors behind long term investment success. As such we believe a large part of our ongoing

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Can investing into a VCT help me?

Venture Capital Trusts (VCTs) have always been viewed as highly useful when looking at someone’s tax planning. Over time VCTs have become more mainstream and for certain clients are just another way to invest tax efficiently. VCTs are publicly-listed companies which invest money in small UK businesses who are not quoted on the main stock

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What was in the weekend’s papers? (06/07/2020)

SUNDAY TIMES Paying your tax now will save pain in January Tempting though it is, delaying paying your tax bill this month means facing a double bill in six months’ time, accountants warn. COMMENT: We usually operate based on the assumption of “tax-deferred is tax saved”. Although it is correct that deferring means a bigger

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Could we have a wealth tax in the UK?

It is no secret the Government debt has reached epic levels. With interest rates being as low as they are, it is accepted that servicing the debt may not be as challenging as the size of the debt would (superficially at least) indicate. Low to negative yield Government Bonds (Gilts) are being bought by the

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What is Level Term Life cover?

Level term assurance policies have a known level of cover that will be paid out in the event of death within a known period of time. Premiums remain level throughout and should you survive the policy term, there will be no benefit. As this type of contract only provides cover in the event of death

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What is the basis of good financial planning?

First-principles thinking helps reverse-engineer complicated problems. The idea is to break something down to its base elements. We can then reassemble them from the ground up. This approach was used by the philosopher Aristotle. Elon Musk and Charlie Munger are among those who use it now. It allows them to cut through the fog of

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