Latest News

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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 [...]

Carry forward – last chance to utilise the pension allowances of three-years ago

In 2014 the then chancellor, George Osbourne announced changes to pensions, which meant that from April 2015 “no one will ever have to buy an annuity again”.  These “Pension Freedoms” have allowed individuals from age 55 much greater access to their pension pots than they have enjoyed previously and as a consequence have rekindled the [...]

♫ The Folly and the High Fees ♫

Latest study suggests trustees should revisit their investment strategies. The Financial Conduct Authority’s (FCA) latest report suggests that the season of goodwill does not extend to the asset management industry. The “asset management market study” examines the performance of UK fund managers, shining a spotlight on fund charges, fund performance and competition. The results are [...]

Defining Benefit

When dealing with the pension assets of a divorcing couple received wisdom has always been that where Final Salary (Defined Benefit) pensions were up for grabs, these were the most sought after by both sides since - as the title infers - the benefits were pre-defined and therefore guaranteed to be paid at the level [...]

Income Strategies and Rates of Sustainable Spending

Not since the Bronze Age have borrowing costs been so low, according to a study published last month. It’s not surprising then, that investors are becoming increasingly concerned over how best to draw a reasonable level of income from their invested assets and exactly what level of income might be sustainable in the longer term. [...]

Are millennial investors facing a perfect storm?

Looking at the mismatches between expectation and reality Depressed wages, escalating living costs and a struggling global economy – millennials have a lot on their plates. They need investment income to support short and long-term financial aspirations. Does something have to give and is the perfect investment storm brewing? The Schroders Global Investor Study 2016 [...]

Dead Cat Bounce?

Quite remarkably, the FTSE 100 Index closed higher than its pre-Brexit level yesterday. But is this the start of a new period of stock market growth or are we merely witnessing a dead cat bounce? Of course, only time will tell but we are starting to form some opinions about what is actually happening. The [...]

What a difference a night makes

Surprise was the first emotion that many felt when waking up this morning. At 11 o'clock last night the leave campaign was starting to concede that the UK had chosen to remain in Europe. We have woken this morning to discover that Britain is now entering a new world. So what does this mean? Are financial markets about [...]