Sustainability matters

Plan for a better tomorrow, today Responsible investment is a catch-all term to broadly describe funds that invest to make a positive change, either to the environment or for society. Within this umbrella term there are four broad investment approaches: ethical exclusion; responsible practice; sustainablesh solutions; and impact funds.

Tech Time

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Last week saw equities stage another half-hearted attempt at a correction. It got off to a punchy start with markets down 1.5-2% last Monday but that was it. The rebound over subsequent days actually left global equities up 1.2% over the week. So why the fall? At one level, we were simply overdue one. A decline of 5% or more … Read More

Minimum pension age to increase

Age change to when people can start taking pension savings The government has confirmed that it plans to increase the minimum pension age at which benefits under registered pension schemes can generally be accessed, without a tax penalty, from age 55 to age 57 commencing 6 April 2028.

Hot Stuff

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In contrast to the weather, some of the heat came off equity markets as they edged down last week and have also opened some 2% lower today. This weakness is most likely to be down to worries that the rapid spread of the Delta variant may slow the economic rebound. Just like the UK Government, the markets are now taking … Read More

Grandparents, grandchildren and money

Sharing your wealth during your lifetime can make a big difference With all of us leading longer lives, you might be considering how you can help your family when it matters most. Sharing your wealth during your lifetime can make a big difference and bring you a lot of joy, particularly when helping younger generations who are dealing with rising … Read More

Bond Mad

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There was only one real focus for UK, or should I say English, investors last week and I will do my best to avoid any mention of it. That said, bonds did their very best to compete for attention, with 10-year US Treasury yields falling as much as 0.20% by mid-week. They subsequently recovered a little to 1.35% but remain … Read More

Boost your pension savings

Planning to achieve your retirement goals sooner Are you ‘mid or late career’ or planning to retire within ten years? If the answer’s ‘yes’, then you probably want to know the answers to these questions: Will I be able to retire when I want to? Will I run out of money? How can I guarantee the kind of retirement I … Read More

Is Goldilocks back?

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Global equities put in another solid performance last week, gaining 0.7% in local currency terms. They have now gained 2.4% over the last month and are up as much as 14.6% year-to-date.  In sterling terms, equities are up a rather stronger 4.3% over the month but somewhat weaker 12.4% since the start of the year. This continued strength is a … Read More

Suspending pension contributions

Think carefully about how action taken now could affect your retirement As more people worry about money and are struggling financially as a consequence of the coronavirus (COVID-19) pandemic, it’s likely that reducing or stopping their pension contributions may be an option to ensure they survive financially.

Back on top in June

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Global equity markets put in a robust performance last week, gaining 2.0% in local currency terms with the US leading the way. Despite June normally being the weakest month of the year, equities have resumed their upward course after a pause in May. Month-to-date, global equities are up 2.1% in local currency terms and a larger 3.7% in sterling terms, … Read More