Author: seanlarkin

Use it or lose it time for your ISA

As the end of the financial year draws ever closer, it’s important not to forget about any ISAs (Individual Savings Accounts) you have and any remaining payments that you’re allowed to make. The maximum allowance for ISAs for the 2015/16 financial year is £15,240, so it’s important that you invest any funds that you have...

As the tax return deadline approaches HMRC reveal the worst ever tax excuses

With the deadline for online tax returns fast approaching (31st January 2016 for the tax year April 2014 – April 2015), HMRC have again shared their top ten terrible tax excuses. Ranging from paperwork eating pets to people who were simply out of the country, the list is comprised completely of unsuccessful appeals against penalties...

Grandparents: does your generosity leave you at risk of running out of money?

Money typically flows down through generations. This is the way it has always been and our natural life cycles will continue to ensure it is likely to be that way for the foreseeable future. If you are a parent, you will initially support your children, before eventually leaving them an inheritance. Grandparents may have finished...

Three personal finance changes to look out for in 2016

As usual, the coming year will see plenty of shifts in the financial planning landscape for all of us. Changes come about largely as a result of new legislation or policy introductions and, whilst there isn’t anything quite as dramatic as 2015’s introduction of pension freedoms on the horizon, there’s still plenty to look out...

January Market Commentary

Occasionally when we’re compiling these monthly commentaries we look at our notes, realise that not very much has happened in the month and have a minor panic. What are we going to report on? There are no such worries this month. December 2015 seemed to be the month when pretty much everything happened. The only...

Are Company Strategic Reports helpfully forward-looking for investors?

Strategic reports provide ‘very little insight’ into future prospects. Many strategic reports contain a mass of annual data and text, which is largely backward looking, finds a PriceWaterhouse (PwC) study. Information disclosed in companies’ annual reports is being buried in a mass of annual data and text, presenting investors with a tough challenge to unearth...

Should you be worried during significant market falls?

A recent Standard Life article suggests that in simple terms, you probably shouldn’t be worried about recent market falls. Most of us are investing over the long term, and significant market falls happen periodically. Generally, the wrong thing to do when markets fall by a reasonable margin is to panic and sell out of the...

Do you know your pension pot value?

New research from Retirement Advantage shows that despite the new pension freedoms introduced in April, over a quarter of people aged over 50 don’t know how much money they have saved in order to fund their retirements. According to the research, the new freedoms place even greater responsibility on individuals to take control of their...

October Market Commentary

The end of September, and the end of the third quarter of 2015 – a quarter which, as all the financial press reported, was the worst for global equities since 2011. As CNBC put it: A sustained collapse in commodity prices, China’s stunning market rout followed by its shocking currency devaluation as well as fears...

Connected rather than protected?

Brits consider an internet connection and mobile phones to be greater financial priorities than protecting mortgages and incomes, according to new research in the latest Scottish Widows Protection Report. Only 39% considered providing financial security for their family in the event of death as essential – which has dropped from more than half in four...