Blog
It is an unbelievable 500 days since the last Budget in October 2018. The Chancellor, Rishi Sunak, has only been in the job a few weeks and to say the Budget will have represented a challenge for him is a massive understatement. Even more so given current world events. Budget Day started with an announcement
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As you might imagine, this is a question clients ask us often. A rule of thumb is the “4% rule”. This means on a £100,000 pot you would withdraw £4,000 and increase the withdrawals each year with inflation. Taking any more runs the risk of the pot dwindling and running dry within 30 years. We
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Every year, thousands of people lose millions of pounds due to investment scams. Technological advances mean scams are becoming more common and harder to identify. There are some warning signs you can use to avoid falling victim to scammers. Investment scams aim to get unsuspecting people to hand over money. They can seem legitimate, appearing
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It is natural to see headlines about world markets falling and to worry about your portfolio. While it is never fun to see your portfolio take a hit, losses are a normal part of investing. Over the last near eight years, our portfolios have fallen in value a significant portion of the time. A key
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The returns you can get from your money can mean different things to different people. To some, getting better returns is something to boast about. We believe returns are meaningless unless they go towards making your life better in some way. This can be being able to retire earlier or being able to help loved
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When taking an income from your pension pot, you will start with two choices. Do you want to hand over your money to an insurance company and they will pay you an income for the rest of your life? Or do you want to keep a pot of money from which you decide how much
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A survey of 2,000 people reveals we spend 110 hours a year think about what might have been. Eight out of ten believe their lives would be better if they had taken more risks. The most common regrets were: Not saving more when younger Not keeping in touch with old friends Not taking the plunge
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On Friday 7th February, the House of Commons Library (HoCL) issued a briefing paper entitled ‘Reform of Pension Tax Relief’. The following day the front page of the Financial Times (FT) ran a headline “Javid eyes tax raid on high earners”. The article suggested restricting tax relief on contributions to 20% could “raise more than
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Investing comes with risks. We have covered before why it is not a good idea to take more risk with your portfolio than you are willing to. Something else you need to get right is to not take more risk than what you can afford to take. We call this your risk “capacity”. Imagine being
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If you want to make better decisions with your money, we can help. However, working with us is not for everyone. We help our clients take the necessary steps to get the most out of their money. There are some things some expect from us which bear little relevance to what we do. Some of
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