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Warning…this briefing is of little or no interest!

Covid-19 has impacted all our lives in many ways and bank deposits have unfortunately not been an exception. Since the Bank of England cut its rate to an historic low in March this year, there have been brutal cuts to savings rates across all banks. For example the best ISA instant-access rate is now only [...]

Full Cycle Investors

This week the investment committee at our asset management subsidiary - Assetfirst – sat to discuss prevailing and predicted global market conditions and the impact that they might have on our clients' portfolios. Given the ongoing market dynamism driven by the Coronavirus pandemic, we thought you might find this Q&A session to be of interest. [...]

Podcast on Global Markets

Listen to our latest podcast This week the investment committee at our asset management subsidiary - Assetfirst – held an interim meeting to discuss prevailing and predicted global market conditions and the impact that they might have on our clients' portfolios. Given the ongoing market dynamism driven by the Coronavirus pandemic, we thought you might [...]

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 [...]