Managing and understanding investment risk
The amount of risk involved with an investment can be managed by matching it appropriately with the length of time you have available to invest, your tolerance towards fluctuations in returns and your investment time frame. Read more →
Protection planning and the lack of it
Homebuyers have house insurance and motorists need to have car insurance – despite the fact that the chance of your house suffering significant damage is remote, and that many people never claim on their car insurance. They do of course provide valuable peace of mind. But would we be lining up to buy these products if they weren’t legally required? Read more →
Saving for a baby? Surely not!
Saving for your child’s future can be one way of giving them financial freedom in later life and that’s why it’s advisable to start considering all the investment options early on. Read more →
Workplace pension advice – the most common questions
Pensions are far from simple, many in our industry take a certain level of knowledge for granted when delivering pension advice. Our experience is that many employees have little understanding of retirement planning and are left to make their own decisions.Why should you take action? An overview of Corporate Social Responsibility
The culture of a business develops and changes over time. It’s shaped internally by the people within the business and impacts externally on clients and/or customers. Read more →
Capital Gains Tax – an overview
Capital Gains Tax is a tax on the profit or gain you make when you sell, give away, exchange or otherwise dispose of all or part of a business asset, owned by yourself or by your business partnership. Read more →
Undersaving Britain
Pension saving is at its lowest level for 10 years according to recently published Department of Work and Pensions (DWP) analysis by the Family Resources Survey (FRS), a key source for pension information. The analysis came from interviews with around 25,000 private households across the UK in 2009 and 2010. Read more →
What is a Relevant Life Policy?
A Relevant Life Policy is a tax efficient life assurance product for businesses, recognised and understood by HMRC and governed by the same legislation that deals with group life pension schemes (the Income Tax (Earnings and Pensions) Act 2003). Read more →
Ten New Year’s resolutions for your financial planning
Around 50% of us make New Year’s Resolutions and ‘sort the finances out’ must be one of the most popular: but that’s a little vague – it’s more a wish than a firm commitment to take action. Top topics to consider if you’re determined to sort out your finances, these may give you some food for thought. Read more →
Pound cost averaging in building savings
Pound Cost Averaging (PCA) is a term which describes how you can build up a capital sum by investing a fixed amount of money, for example equal monetary amounts regularly and periodically over specific time periods in a particular investment or portfolio. It is most often used with equity-based investments rather than bonds or fixed income assets that tend to be less volatile. Read more →
