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The State of the UK Banks

Once upon a time it was all so simple. Nothing could be safer than the UK banks. They were the cornerstone of every fund manager’s income portfolio. Do you want to build your financial planning on shares that would protect you against market fluctuations and deliver a steadily increasing dividend income? Sober, well-run, cautious businesses...

Change your Will – What you need to know

You have at long last got round to preparing your last Will and Testament, and that’s ‘job done’ – or is it? If you write your will earlier in your life than at the last moment, it is highly likely that you will need to update it from time to time, as things change in your...

The New Proposals on Long Term Care

In the Spring of last year retirement specialist LV= produced a report looking at the future of long term care in the UK. With increased life expectancy, LV= predicted that the number of people needing care – either in their own home or in specialist retirement homes – would surge by the year 2025, reaching...

March Market Commentary

Politics seems to impact more and more on economics – and somehow, always at the end of the month. December ended with the last minute deal which averted the Fiscal Cliff in the US; January with Spanish premier Mariano Rajoy denying allegations of secret payments and at the end of February there were yet more...

How successful is the amateur investor?

A minority of off-course punters who regularly put bets on race-horses make a living doing this, and some are very good at it. A report from the United States suggests that similarly in the field of investing in stocks and shares, there is evidence that a few amateur investors make a profit regularly. However it...

Financial planning in your twenties, thirties and forties

Clearly the average client’s planning needs are completely different in their twenties to their fifties. This is the first of two articles where we look at ‘financial planning through the decades:’ how your financial planning needs change through the various stages of your life.  While it’s true to say there’s no such thing as an...

How to make your child a millionaire

”How to make your child a millionaire – through regular investing and using perfectly legitimate tax dodges’’ – the headline of a recent article in the Daily Mail. Reading this article also makes it clear that we need to be well off to achieve this aim, and even more so, if we have more than one...

The Government Overhauls the State Pension System

The Government recently introductioned Auto-Enrolment and the determination to see as many people as possible enrolled in company pension schemes, it was inevitable that they would also turn their attention to the state pension. Pensions Minister Steve Webb has now introduced a White Paper setting out the proposed changes, which will come in from 2017 “at...

February Market Commentary

January opened with the USA economy – if not the whole world – having been saved from tumbling over the Fiscal Cliff thanks to a last minute deal between Barack Obama and the US Congress. Financial markets around the globe let out a brief sigh of relief and enjoyed a couple of days’ rally. Unfortunately...

Younger retirees are less likely to leave an inheritance

Traditionally, parents have attached great importance to leaving an inheritance to their children, but attitudes are changing according to a recent survey by Just Retirement, the equity release and annuity provider. The survey of retired homeowners and retiring homeowners aged over 55, explored consumer attitudes towards housing equity withdrawal and found that a majority of...