Savvy investors

Time to get wrapped up? How to shelter income and capital gains

For long-term investors, Individual Savings Accounts (ISAs) are a very tax-efficient wrapper that can hold cash savings as well as investments in stocks and shares. Savvy investors are also able to shelter income and capital gains.

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Investment matters post-Brexit

Facing new challenges at every turn to meet long-term objectives

We are now living in a more uncertain world. As correlations between asset classes rise, the right strategy is crucial to preserve capital when markets are falling. 

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Pension reforms

How the lifetime allowance reduction could impact on your retirement savings

The Government has introduced comprehensive reforms to the pension rules over the previous few years. One important change, which may have been overlooked by some savers, is the reduction of the lifetime allowance that applies to pension savings. The lifetime allowance is the total amount you can hold within all your pensions without incurring an additional tax charge when you extract money from the pot.

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Financially exposed

Do you have a financial plan in place to help protect your home?

Taking out a mortgage is the biggest financial commitment many of us will ever make, and having a financial plan in place will help protect your home in the event that you can’t work due to illness or ill health, or even your premature death.

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Time is of the essence

Start thinking about preparing for any big events as soon as you can

None of us know exactly what life’s got in store for us, but we know that there are a handful of major events that we’re quite likely to encounter at some stage. These include some of the great milestones of life, such as buying a property, getting married, starting a family, buying a holiday home or planning for retirement.  

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Saving for a rainy day

Understanding why your lifestyle makes it more relevant and real

From the old adage of saving for a rainy day to planning for a comfortable retirement, before you can actually define your investing goals you need to ask yourself what you want to achieve.

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Uncharted territory

Importance of not losing sight of your long-term savings goals

The UK is entering uncharted territory after the EU referendum, but with relatively few unretired people beyond the age of 55 having started their retirement planning it is important not to lose sight of your long-term savings goals. Changing social, political and demographic factors mean that the outlook for retirement finances in the UK is constantly evolving.

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what next post-Brexit?

Economic and financial outlook

As a result of the UK voting for Brexit (apart from the political turmoil), sterling has dropped significantly against the US dollar and the Japanese yen – the new safe haven currency it seems. We have a new Prime Minister and cabinet and a clear statement from the new Chancellor of the Exchequer that there will be no ‘Emergency Budget’. The normal Autumn Statement and Spring Budget process will be followed. 

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Pensioners financially ‘reliant on others’

New research outlines typical financial situations

A small number of pensioners are relying on loved ones to help them financially during retirement, and those approaching retirement seem to be in an even worse situation. Yet equally worrying is that people are also far more likely to take financial advice about retirement from friends than from a professional, with more than a million pensioners[1] financially reliant on friends and family, AND the next generation even more stretched, according to the latest research from LV=. 

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‘It won’t happen to me’

Britons not planning financially for long-term sickness

Only one in five UK people have income protection cover in the event of becoming too ill or disabled to work according to research published by insurer Zurich. This is despite the fact that as many as 42% have experienced income loss in their working lives due to serious illness. The findings indicate that people still have an ‘it won’t happen to me’ attitude despite having suffered the consequences first-hand.  

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Investing during market volatility

Whether seeking income, growth or both, there are some basic rules to follow

Volatile financial markets are an inevitable part of investing. On a day-to-day basis, the swings in stock market prices can be significant. However, over the longer term, things have tended to smooth out, with daily volatility having a lower impact on overall portfolios.  

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Active or passive? That is the question

Choosing a management style that’s right for you

Investors are faced with one of the most basic questions: do you want to put your money in ‘actively’ or ‘passively’ managed funds?  

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Currency movements

Protecting your portfolio

Investors should not try to predict currency movements, but you can act to protect your portfolio. Investing in foreign securities, while potentially a good thing for your long-term portfolio, may continue to pose new threats for investors.  

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Financial strife

Keeping your investments safe

After nearly a decade of low interest rates and central banks pumping money into financial markets, traditional safe haven investments have become expensive, so where could investors look to keep their investments safe?

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Empty nest, empty wallet

Parents putting financial health at risk to fund university costs

When it comes to funding a university education, it is parents and grandparents who typically look to provide the money. But even though this may be the case, last year’s graduates from English universities still left with an average of £44,000 debt (source: Sutton Trust), with some parents still, on average, expecting their children to leave university with £23,000 debt.  

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