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/Latest News/

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 FTSE 100 index falling [...]

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 [...]

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 [...]