2020-05-11T21:38:20+01:00May 7th, 2020|

Don’t lose your balance

The proportion of different components within a portfolio - otherwise known as its asset allocation - has the biggest impact on its risk and return. Over time however, different assets tend to perform well at different points. This can cause the asset allocation to drift away from its target.

In this insight piece we consider one way we can avoid the risk of this portfolio drift, while at the same time ensuring we adhere to the mantra “buy low, sell high”.

2020-03-12T16:35:17+00:00March 12th, 2020|

Budget Summary 2020

Many of the changes in yesterday’s Budget had been previously publicised, even before the current Chancellor took office barely a month ago. The remainder of the Budget was a post Covid-19 government spending package the likes of which we have not seen for a while.

We have summarised what we think are the highlights.

2020-02-28T11:14:49+00:00February 28th, 2020|

A decade of sustainable gains?

The last decade has revealed a story of post-crisis recovery and stock market growth. All this despite years of economic uncertainty and political disorder.

So what might the 2020s hold for investors? Looking back, we identify the key themes of the past and pick out some enduring principles for the future.

2020-02-28T10:35:17+00:00February 17th, 2020|

Pensions – Estate Planning and Inheritance Tax

Defined contribution (DC) pensions offer valuable legacy planning opportunities, but it’s vital that DC pension holders and their advisers act early to utilise these benefits.

Here we highlight the potential tax advantages of planning early.

2020-02-28T10:35:48+00:00January 27th, 2020|

The trouble with ERI

It’s fairly common for investors hold offshore investment funds in their portfolios. Investors, however, may be unaware that some of their offshore funds could be accumulating income (that is never distributed) that needs to be included in their UK tax return.

Here we highlight the different types of offshore funds and how to remain tax compliant.

2020-02-28T10:36:34+00:00January 17th, 2020|

Pensions and divorce – looking beyond the settlement

The splitting of pension assets on divorce is complex but with careful planning, it’s possible to identify outcomes that will stand the test of time, for both parties.

Here we look at the main tax implications of pensions (the Lifetime Allowance, Pension Protection and the Annual Allowance) and where the opportunities, and problems, arise both during and after divorce.

2020-02-26T13:38:20+00:00December 16th, 2019|

Rough around the hedges

They say it’s wise to not put all your eggs in one basket. For investors, that often means looking for opportunities abroad. But when it comes to investing overseas, good performance is not just about how well the underlying companies or bonds perform. Foreign exchange rates can significantly impact returns – in either direction.

We explore how this mechanism works and what can be done to mitigate the impact of currency fluctuations on portfolios.

2020-01-23T12:20:47+00:00December 2nd, 2019|

Mark’s Story

"I was part of a management buyout and when the sale happened, my financial position changed substantially. So, I wanted to appoint a wealth manager that could help me and my family plan our future."

2020-02-28T10:37:28+00:00November 21st, 2019|

Pension Annual Allowance

The 6th April will re-set the clock on the annual pension contribution allowance. It’s therefore the time of year to work out what additional income tax relief may still be available from pension contributions. Relief at higher rates of income tax can be significant. But those on higher earnings are subject to a tapering of their Annual Allowance. It’s not a straightforward calculation, with plenty of blind spots which could lead to penalties on excess contributions.

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The value of investments and the income arising from them can go down as well as up and is not guaranteed, which means that you may not get back what you invested. Past performance is not necessarily a guide to the future. The information contained in this website does not constitute advice. The FCA does not regulate tax advice. The FCA does not regulate advice on Wills and Powers of Attorney. The Financial Ombudsman Service is available to sort out individual complaints that clients and financial services businesses aren’t able to resolve themselves. To contact the Financial Ombudsman Service please visit www.financial-ombudsman.org.uk.