Latest News

/Latest News/

Market Longview

It is now over three weeks since massive sell-offs pushed the world’s stock markets into a bear market. Of course this is an uncomfortable time for investors, but bear markets are a natural part of the market cycle; after a decade of rising markets, it’s easy for investors to forget this. It's also easy to [...]

Market Update

Things have moved pretty drastically since our last market update, with global stock markets falling in lock-step as a sudden and unexpected oil price war added to the uncertainty of the ultimate impact of the ever increasing spread of the Coronavirus. In the previous update I alluded to the fact that our diversified approach to [...]

Coronavirus update

The last few days have produced the largest falls in stock market values since the 2008 financial crisis. UK shares have fallen by over 10% from their highs of mid January. These large falls are due to fears that the outbreak will have a significant, protracted affect on global economic growth. Whilst some slowdown is [...]

Current Investment Conditions: What you need to know

This week, the sun set in Tromso, Norway and will not rise again until 15th January. Although it is not quite as dark here, the current news flow is doing little to lighten the mood. Against this backdrop, October saw the biggest stock market falls in over three years, with the index of large UK [...]

Budget speculation: Threat to tax relief on pension contributions

We are only a couple of weeks away from the Autumn Budget, due on the 29 October 2018, and media reports have suggested the lifetime and annual caps on tax-free pension contributions could be reduced. Pension tax relief is a common topic in pre-budget speculation, although this time the speculation is based on Philip Hammond [...]

Cashflow Planning

It was Donald Rumsfeld who famously said, “There are known knowns; there are things we know we know. We also know there are known unknowns; that is to say we know there are some things we do not know. But there are also unknown unknowns — the ones we don't know we don't know.” When it comes to your [...]

When Can I Retire?

Retirement is defined as a watershed moment in our lives, typically when we choose to leave the workforce. When can I retire? is a question we've probably all asked ourselves at some point in time and planning is essential in determining whether your capital and income will be sufficient to finance this period of your [...]

Many Happy Returns

When we decided, nearly 10 years ago to adopt index tracking funds into our client’s portfolios, the investment industry was quite different to today. In 2007, investment processes were less precise, Margot Robbie had yet to explain what a sub prime mortgage was, and index tracking funds were only used by investors who “weren’t capable [...]

Lifetime Allowance

What could the further reduction mean to your retirement income? 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. This further reduction means that you may [...]

Why Choose Provisio for Portfolio Management

There are many different methodologies that can be applied to running an investment portfolio. Historically this has usually meant handing your funds over to a Discretionary Investment Manager or Stockbroker and relying on them to ensure that your funds are invested in the correct stocks and bonds for the prevailing markets. In reality this approach [...]