Your decision can have a big impact on your returns Should you invest all of your money in one go or drip feed it into the stock market over time? The answer will ultimately depend on whether you have a lump sum to invest or not, but it can have a big impact on your… Continue reading What investment approach is right for you?
Category: All News
Choosing investments
What you need to know to become a more confident investor Before you choose or make any investment decisions, you need to know that investing involves the possibility of loss. These key considerations help you become more confident about your investment decisions. Review your needs and goals It’s well worth taking the time to think… Continue reading Choosing investments
Appetite for risk
Striking the right balance is important to avoid losses While diversification is important, you should keep in mind how much risk you are prepared to accept on your money. If it is important to you to avoid losses, you may want a portfolio that has less in shares and more in cash and fixed interest… Continue reading Appetite for risk
Individual Savings Accounts
A popular ands imple way to save The end of the 2009/10 tax year is rapidly approaching and now is the perfect time to consider your Individual Savings Account (ISA) options. These tax-efficient wrappers are a popular and simple way to save, as you don’t pay any personal income tax or capital gains tax on… Continue reading Individual Savings Accounts
Portfolio diversification
Managing the risks you are exposed to in order to avoid suffering losses to your capital Whether you’re planning to start investing your money, or even if you’re already a seasoned investor, it’s crucial to make sure you manage the risks you are exposed to in order to avoid suffering losses to your capital. The… Continue reading Portfolio diversification
Stamp duty rule changes
What could the shake-up mean for you? A shake-up of the stamp duty rules took effect on 1 April 2016 in relation to anyone owning more than one residential property – this will affect those buyers funding the purchase of a new home with the sale of an existing home: if their buyer pulls out but they still want to go… Continue reading Stamp duty rule changes
Devil’s in the detail
Taking stock of Budget 2016 The Chancellor of the Exchequer, George Osborne, delivered his eighth Budget speech on Wednesday 16 March, his third in 12 months. Now that we’ve had time to take stock of the key announcements, we consider how they could impact your finances both today and in future years. The Personal Allowance will increase to £11,500,… Continue reading Devil’s in the detail
Preserving wealth
Should you review your situation with further changes on the horizon? Inheritance Tax (IHT) affects not just the very rich – other people may be liable without realising it. Few taxes are quite as emotive – or as politicised – as IHT. The structures into which you transfer your assets can have lasting consequences for you… Continue reading Preserving wealth
Tax credit on dividends abolished
Tax-free Dividend Allowance introduced under new system rom April this year, the notional 10% tax credit on dividends has been abolished and replaced by a new tax-free Dividend Allowance. The Dividend Allowance means that you won’t have to pay tax on the first £5,000 of your dividend income, no matter what non-dividend income you have. The allowance is available to anyone… Continue reading Tax credit on dividends abolished
Surviving a critical illness
More people could face financial hardship despite medical advances Most homebuyers purchase life assurance when they arrange a mortgage, but only a minority obtain another form of financial protection that they are five times more likely to need before they reach retirement. Although we’re four times more likely to claim on a critical illness policy than a life insurance policy before the age… Continue reading Surviving a critical illness
