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September Market Commentary

September Market Commentary

Introduction August is traditionally known as the ‘silly season’. The great and the good are on holiday. Nothing is happening: there are no world events. So the newspapers have to resort to any number of peripheral and not-at-all-serious subjects to fill their columns. Not this year. Most of the headlines in the UK concerned Brexit. …

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Investing Your Money

Why investing your money is more profitable than leaving it in a bank account

You’ve worked hard to accrue your wealth, so naturally you’ll want to see your finances flourish and develop. That raises the question: how best should you grow your finances? Many people are drawn to banks to save their money, opting for the chance to get some interest and their money back. But in a time …

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August Market Commentary

August Market Commentary

Gold hit a six-year high as nervous investors looked for alternatives to stock markets. The IMF cut global growth forecasts amid continuing trade tensions. In any normal month these would have been perfectly normal introduction, but July was not a normal month. With Boris Johnson becoming UK Prime Minister and sweeping into 10 Downing Street …

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Green Mortgage

What is a green mortgage, and what can it do for you?

Back in 2017, the UK government published their Clean Growth Strategy, a report that included plans to work with lenders in order to create “green mortgage products,” that are able to “take account of the lower lending risk associated with more efficient properties and the reduced outgoings for customers living in more efficient homes.” More …

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Financial Wellbeing

Financial Wellbeing

How is your financial wellbeing? Increasingly, people are talking about financial wellbeing. But what does it actually mean? Financial wellbeing is about having a sense of confidence and security around money. It’s about having enough money to meet everyday needs and being in control of your finances; having the financial freedom to make choices that …

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Financial Market

April Market Commentary

Introduction We have commented before on the difficulty of ‘hitting a moving target.’ Sometimes in writing this commentary you run the risk of what you write being overtaken by events, and that has never been truer than this month. In the short time between us publishing notes and you reading them it is possible that …

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Market Commentary

March Market Commentary

Introduction February was another month when all the important news seems to happen in the last week of the month. President Trump delivered the annual State of the Union address on February 6th and announced a second meeting with North Korea’s Kim Jong-un. The two duly met up in North Korea three weeks later, only …

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Inheritance Tax

Inheritance Tax – Could there be a better alternative?

Inheritance tax is enormously unpopular to say the least. A YouGov poll found that 59% of the public deemed it unfair, making it the least popular of Britain’s 11 major taxes. What’s more, the tax has a limited revenue raising ability, with the ‘well advised’ often using gifts, trusts, business property relief and agricultural relief …

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Pensions Cold Calling

Pensions Cold-Calling

The long-awaited ban on pensions cold-calling is finally coming into force. From January 9 2019, the cold-calling of savers about anything to do with their pensions will become illegal. The new law doesn’t just cover phone calls. Any unsolicited emails or text messages about your pension will also be illegal. As it stands, not every …

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