New Year, new start to your finances

Taking time to understand your financial plans will really pay off At the start of every year we have great intentions, as financial promises are renewed. Getting our financial life in order will be a top priority for many as we enter 2021. Consider focusing on two key areas: goals related to being prepared for the unexpected this year, and … Read More

Biden Bonanza

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Global equities slipped back 1% last week, reversing some of their recent gains. UK equities also gave back some of the previous week’s outperformance. Both moves, however, pale into insignificance compared to those seen in recent months. The US was once again the focus of attention. And once again the market’s focus was rather different from the news headlines which … Read More

Taxing times on the horizon!

Are you protected against future Capital Gains Tax rises? It is almost inevitable that taxes will have to rise to help meet the potential £391 billion bill the government has racked up in supporting the British economy through the coronavirus (COVID-19) pandemic.

Time to return to the Micawber Principle*

THERE ARE MANY CHALLENGES THAT LIE AHEAD In a declaration that has linked inextricably and for all time the existential endgame to economic reality, Christopher Bullock wrote in The Cobbler of Preston (1716): “’Tis impossible to be sure of any thing but Death and Taxes”. These words were adapted, more famously, by Benjamin Franklin, who could have added a third … Read More

This green investing is a grey area

A study of ESG bond investment But green’s the colour of spring And green can be cool and friendly-like And green can be big like an ocean Or important like a mountain Or tall like a tree When green is all there is to be It could make you wonder why  But why wonder, why wonder? I’m green and I … Read More

10 tips to improve your financial health

In these uncertain times, it can help to focus on the things you can control. And working out what your money’s doing for you now and where it might come from in the future can give you real peace of mind.   As another year begins many of us are thinking about what resolutions we can make to improve our … Read More

Bubble, Bubble, Toil and Trouble

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Equity markets have started the year in bullish mode with global equities rising a strong 2.7% in local currency terms last week. These latest gains were very much driven by developments in the US. The news headlines may have been dominated by the storming of Capitol Hill by protesters. But for the markets, this was a mere footnote to the … Read More

Wealth needs managing – now more than ever

Achieving your financial goals through investing, and one size does not fit all Even as we hope to put the coronavirus (COVID-19) pandemic in the rearview mirror in 2021, uncertainty regarding both the virus and Brexit is likely to continue to weigh further on the UK and global economies as well as on our personal finances during this year.

Darkest Before The Dawn

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Equity markets ended last year on a bullish note and this optimism has carried through to the start of the new year. Global equities gained 1.3% in local currency terms in the last week of 2020 and European and UK markets are up another 1.5-2% this morning. Two events have help buoy sentiment over the last couple of weeks. First, … Read More

Merry Christmas and a not so Happy New Tier

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I have spent much of this year in this commentary discussing ad nauseam two topics – Covid and Brexit – and unfortunately we need to end the year focusing on these very two same subjects. I am – but really shouldn’t be by now – surprised that yet another ‘final’ Brexit deadline has come and gone with no agreement reached, … Read More