Market Review November 2018

November was another unconvincing month for the equity markets with increased volatility as political uncertainty continued to test the markets.  With the month coming to a close there were also some signs that the trade war tensions between the US and China might at least be thawing...

/ 7th December 2018

Wealth Navigator

You have worked hard to build your wealth. Passing it on to the next generation fairly, safely, effectively and efficiently takes skill and careful preparation. But some people find the idea of discussing inheritance uncomfortable and subsequently put off estate planning until, in some instances, it may be too late to make a difference...

/ 4th December 2018

Funding your Golden Years

Pensions have the reputation of being confusing, but they needn’t be. Private pensions are usually used by people who don’t have access to a workplace pension scheme, but you can also have one if you are employed or not working. They work in much the same way as workplace pension schemes, but...

/ 23rd November 2018

Market Review October 2018

October once again proved to be a difficult month for this aging bull market with the S&P 500 recording 16 down days throughout the month, equalling its worst month run since April 1970...

/ 11th November 2018

Financial Protection

We all intend that our plans will come good. But making sure that you and your family can cope if you fall ill or die prematurely is something we can too easily put to one side. In particular, a recent study identified that financial protection is something that millions of fathers in the UK, and their families, could benefit from...

/ 26th October 2018

Market Review September 2018

This article was originally intended as a review of Q3 2018, however, given the market unrest over the past week and the potentially unsettling headlines that have been written, we will start this article with a summary of recent events and our view on the economy as it stands today...

/ 12th October 2018

Pensions Shake Up

For many, the idea of retirement means getting away from the stresses of everyday life. But with living costs rising and interest rates low, people need to think about how to generate extra income from their savings in retirement...

/ 6th October 2018

Investing in your Child’s Future

While many parents value the standard of education offered by independent schools or universities, the costs can be daunting. However, with careful planning, it may be possible to avoid a huge outstanding student loan or tax burden...

/ 1st October 2018

Market Review August 2018: August Angst

Since 2008 , August has regularly proved a challenging month for financial markets, this trend continued last month. Investors had to digest the reintroduction of US sanctions against Iran, new tensions between Turkey and the US and a deterioration of trade talks between the US and China...

/ 13th September 2018

The Pension Countdown has Begun

When you are at the point of retiring, the new pension freedoms have opened up all sorts of alternative strategies to taking your pension benefits. The very concept of retirement is changing...

/ 4th September 2018

Back to the Future

Have you ever thought about writing a letter to yourselfto describe your ideal future life, long-term life goals and the process of how to plan for them? Imagining what you want your life to be like in the long term when you retire can help you think much further ahead than you might ever have done before...

/ 20th August 2018

Market Review July 2018: Is the sun set to shine on the Equity markets?

July was a month where the negative headlines seemed to take a back seat as a wave of positivity and optimism swept the nation; comparisons were being drawn between the recent weather and the scorching summer of 1976, the three lions finally reconnected with the public and Geraint Thomas became the third Briton to win the Tour de France...

/ 7th August 2018

Guide to Inheritance Tax

When we die, we like to imagine that we can pass on our assets to our loved ones so that they can benefit from them. In order for them to benefit fully from your assets, it is important to consider the impact of Inheritance Tax...

/ 30th July 2018

To Transfer or not to Transfer

More than 100,000 people transferred out of Defined Benefit (DB) pensions in 2017/18. A DB pension scheme is one where the amount you’re paid is based on how many years you’ve worked for your employer and the salary you’ve earned...

/ 28th July 2018

Taking Your Pension

Under the new flexible pension freedoms rules, you can now mix and match various options, using different parts of one pension pot or using separate or combined pots...

/ 16th July 2018

Market Review June 2018: The Rise & Rise of Populism

Populism was once again at the forefront of the political landscape in June with Italy and Germany taking centre stage. This, coupled with Donald Trump’s insatiable desire for the limelight, made June a fairly volatile and unpredictable month in the equity markets...

/ 27th June 2018

Is inflation back? Don’t panic.

Is inflation back? After two years when consumer prices in the UK barely rose, the annual rate of inflation has risen above the Bank of England’s (BoE) target of 2% in 2017. The combination of high inflation and limited wage growth – as well as uncertainty about the terms on which Britain will leave the European union in 2019...

/ 26th June 2018

Tax Matters!

It’s important to consider the tax implications of making financial decisions. The 2018/19 tax year is now upon us and a raft of new changes have come into force. The good news is that there is little change in the overall tax burden for basic-rate taxpayers...

/ 18th June 2018

On Our Bikes For Charity

Lending our time, support and money to a variety of charitable causes means a great deal to all of us at Vizion Wealth LLP and this month, myself, along with my wife Sue and 25 other riders, will return to the saddle to ride over 320 miles in 3 days to raise funds for Milton Keynes Rugby Club...

/ 4th May 2018

Financial Resilience

Over three million working couples are classed as ‘double income, no option’ (dinos), which means they are potentially financially vulnerable if one of the two loses their earnings...

/ 30th April 2018