Blog
We have updated our guide to actions that could be taken to minimise taxes here. Key points include: Income Tax: Strategies are suggested to reduce taxable income, such as making pension contributions and redistributing investments between spouses to effectively use personal allowances. Capital Gains Tax: The guide discusses annual exemptions and the importance of timing
Read more
As you build an investment portfolio, you probably consider your asset allocation and how that relates to your risk tolerance. But don’t confuse asset allocation with asset location, a straightforward process that could minimise taxes. It’s a simple yet powerful strategy you can easily incorporate into your investment planning. What is asset location? Different types of
Read more
Planning for retirement is essential but can be complicated. The key is finding the right strategy to ensure a comfortable retirement. In this post, I will look at two popular strategies for retirement planning: retirement bucketing and the standard portfolio approach. We’ll explore the pros and cons of each approach and see which might be
Read more
Building on the underlying concept of factor investing, we’ve already explored the Value Factor and now it’s time to look at the Size Factor. What is the Size Factor All About? Think of the investing universe as a zoo, where companies come in different shapes and sizes. Some are powerful lions, while others are nimble
Read more
Factor investing simplifies investment decisions by following golden rules such as Value, Size, Momentum, Quality, and Volatility. Let’s focus on the Value Factor and how it helps your money grow over the long term. What is the Value Factor? When shopping, you might see two identical items priced differently. If one is £10 and the
Read more
Back in the ’70s, an academic called Stephen A. Ross figured out a nifty way to give your returns a bit more oomph. He studied at famous schools like Caltech and Harvard and wrote a paper that changed how we invest. What did the paper say? He popularised “factor investing,” which simplifies investment decisions based
Read more
In the 2022/23 tax year, inheritance tax receipts reached an all-time high. The trend seems to continue this year too. The government releases monthly data on tax receipts. In April, it showed that HMRC raised £7.1 billion through inheritance tax in 2022/23. Between 2013/14 and 2022/23, this represented a 108.3% increase in inheritance tax, which
Read more
When we get older, it’s essential to prepare for things that might happen unexpectedly, like becoming sick or unable to think clearly. A Power of Attorney (PoA) lets you pick someone you trust to make decisions for you, to ensure your wishes are followed, and you’re looked after in the best way possible. Knowing that
Read more
Investing your hard-earned money can feel overwhelming. Many choose to keep their money in the bank. With many tempting savings accounts and attractive interest rates available, some may wonder why investing matters. However, we want to explain why investing, especially in a diverse global portfolio of equities and fixed interest, is still a powerful strategy
Read more
According to figures from Quilter, there has been a significant increase in the number of NHS employees opting out of their pensions due to financial constraints. In the last year alone, 66,749 individuals stopped contributing to their pensions, citing affordability issues or other financial priorities. Opting out of a workplace pension scheme may increase your
Read more
