Managing an efficient portfolio is about more than just selecting the right mix of investments. It's also important to understand the tax implications of taking particular action (or inaction), in order to develop a cohesive capital gains tax (CGT) strategy. A key part of this strategy is implementing techniques such as CGT harvesting. In this insight piece we explore Edison's approach.
The 2024 Spring Budget included the widely anticipated reduction in National Insurance as well as a new British ISA allowance which had been rumoured. Exactly how the new ISA allowance will work in practice is yet to be determined but we do know it will only permit investments into UK assets. Here we summarise some of the key announcements along with a reminder of various previously announced changes that will take effect from April 2024.
Market extremes can pose some surprising risks to investors, and we've had plenty of examples in the last few years. It's not just about performance. From FOMO to FOBI, the behavioural impact can have equally significant impacts on returns. In this insight, we explore how we build optimised strategies focused on long-term resilience, rather than chasing short-term market trends.
In this article, Amy Fox a Partner in the Family Team at Penningtons Manches Cooper, Alice Sanders a Wealth Manager at Edison Wealth Management and Dr Lucy Atcheson a Chartered Counselling Psychologist, explore how people become trapped in controlling and unhappy marriages. They answer the most common fears their clients have about divorce and explain how the three of them work together to make divorce less daunting for you.
We launched Edison in 2007 and soon encountered a period of volatile markets and high interest rates. Investors faced tough questions about whether to stay invested or cash out. In many ways, the last two years have felt just like those first two years in business. In this insight, we look at the data to explore the answers to those questions, and consider what might happen next.
In this article, Alice Sanders, a Financial Planner and Pension Specialist at Edison Wealth Management, and Priya Palanivel, a Partner in the Family Team at Sheridans, a West End law firm, consider how pensions are treated on divorce, the tax benefits of pensions and how to avoid falling into the pension poverty trap.
Comprising around 25 per cent of world GDP, the US has a significant influence on the business and financial cycles of other economies - in other words, when America sneezes, the world catches a cold. With ever increasing concerns that the US would fall into a recession, we assess those claims and offer ways investors might navigate periods of economic uncertainty.
For fifteen years UK interest rates have been set at historic lows. As a result, cash deposits have earned very little interest, while markets have generally advanced. But higher inflation has ushered in a new regime of rapidly rising interest rates, making cash returns more appealing. We consider whether now is a good time to be holding more money in savings.
Yesterday’s Spring Budget included pension measures that went further than recent rumours suggested, with Jeremy Hunt announcing the abolition of the pensions Lifetime Allowance (the limit on total pension benefits above which there is an additional tax charge) alongside increases to the various forms of the Annual Allowance (the maximum that can be paid into a pension before additional tax charges apply). Here we summarise some of the key announcements.
High inflation and rising interest rates are causing a global set of worries for households, businesses, and central banks. Add to the mix crumbling public services, geopolitical conflicts, and an economic slowdown on the horizon, it can be tempting to think that things are bad and only getting worse. This insight piece challenges that view, asking: are there reasons to be cheerful?
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.