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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
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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
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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
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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
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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
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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
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Investors often lose sight of their long-term goals due to two main distractions: fear and hype. Fear, often brought on by global events or market downturns, can cause investors to focus too much on the short term. This can lead to hasty decisions that derail their long-term strategies. On the other hand, hype, which arises
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One topic on everyone’s mind is the role of Artificial Intelligence (AI). So, I’d like to dive into this fascinating topic: What exactly is the future of personal finance management in the UK with the rise of AI? What is AI? AI, or Artificial Intelligence, is the broad concept of machines being able to carry
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If you’re planning for retirement, you may be considering buying an annuity. Annuities provide a guaranteed income for life, which can be a valuable source of security in retirement. In recent years, annuity rates have been on the rise, meaning you can now get a higher income from an annuity than you could in the
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Some believe they need to invest in more complex financial instruments to get higher returns. However, it’s important to evaluate whether these investments are necessary and will help you achieve your financial goals. What are complex investments? Complex investments are financial instruments that are more intricate in nature, come with higher risks, increased costs, and
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