2020-02-28T10:43:27+00:00August 7th, 2018|

Is passive aggressive?

If you wanted to make money from the next World Cup would you place bets on the teams you think have the best players or would you buy shares in FIFA?

The debate on whether active or passive investments are the best way to participate in the market rages on, with strong arguments on either side. We take a data-driven look at the evidence and how both active and passive can have a place in investment strategy.

2020-02-28T10:43:45+00:00May 3rd, 2018|

The risk of first impressions

… Or the first impressions of risk? It’s human nature to make snap decisions about new people we meet.

When it comes to investing, how we react to first impressions matters too. We explore why it pays to look beyond short term market dips, and the importance of focusing on long term returns.

2020-02-28T10:41:32+00:00April 13th, 2018|

When life assurance leads to a tax charge on pension death benefits

It is not uncommon for beneficiaries and their executors to find that pension benefits are subject to an unexpected lifetime allowance tax charge. This may be due to a pay-out from a death in service scheme, which may seem odd to those who have not yet seen this in practice.

In this Briefing Note we highlight how those potentially affected – higher earners with significant pension assets – should do to avoid this additional tax charge on death.

2020-01-08T14:48:28+00:00March 21st, 2018|

Trustee’s Story

"We recently organised a beauty parade for a client, with whom we are co-trustees of a family trust".

2020-02-28T10:44:52+00:00February 7th, 2018|

Bitcoin or Big con?

The buzz surrounding Bitcoin has grown to new levels in recent months. But is it a new currency and could it possibly turn into an asset to rival the likes of gold? Is it worth investing in Bitcoin?

We give a balanced, simple-terms explanation of Bitcoin’s origins, its rise from obscurity and what the future might hold for cryptocurrencies.

2020-02-28T10:45:01+00:00November 1st, 2017|

The hidden risk of cash

Investors, flesh and bone ones at least, have a tendency to hoard cash due to an innate aversion to loss.

Whether it’s stuffing money under the mattress or leaving large deposits untouched for years in a bank account, we explore both the obvious and hidden risks associated with such behaviour.

2020-01-08T14:48:36+00:00October 27th, 2017|

Adviser’s Story

"Every time I refer high value financial remedy cases to Edison, I find their input very valuable."

2020-02-28T10:41:51+00:00October 18th, 2017|

Business loan protection

Good risk management includes planning for events which might seem unlikely today but which could have a huge impact on the business.

Yet a recent report by Legal & General shows that 35% to 48% of UK SMEs do not have adequate cover to protect their debts in the case of death of a shareholding director.

Here we explain why business loan and key person protection plans should form part of a company’s risk management plan.

2020-02-28T10:48:25+00:00September 7th, 2017|

Why diversification is a ‘free lunch’

At some point, we may have all been tempted to pour savings into the next hotly-tipped success story such as ‘‘Amazon’’ or ‘‘EBay’’. Bar for the lucky few, investing in just one stock can prove to be very costly. In a field of thousands of companies, investors are faced with the significant risk of picking future losers, rather than one of the few elusive winners.

Here we investigate how diversification of investments, can help maintain the balance between investment risk and potential returns.

2020-02-28T10:48:38+00:00May 25th, 2017|

Why staying unemotional pays off

It is a natural instinct to panic when times get tough, with regards to life or investing. This article looks at what flows of money in and out of funds tell us about investment behaviour during periods of increased market volatility. In particular, we illustrate how acting irrationally can lead to poor investment decisions and possibly even losses.

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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.