The Power of a Plan

A comprehensive financial plan helps you achieve your goals by analysing your current situation, planning for the future and providing continuous monitoring of progress towards those goals. A well-thought- out plan can help you protect yourself from unexpected events that could affect your ability to meet long-term financial commitments.

/ 7th December 2021

Market Update: The pre-Christmas ‘quiz’ that not many want to play

As the end of the investing year draws nearer, markets remain on edge, questioning everything that it thought it knew the answers to only very recently. But this week, central bank and government policy, inflation pressures from supply chain issues, and the latest developments from the virus that refuses to be defeated, threatened to leave investors in a state of puzzlement.

/ 6th December 2021

Market Update: New COVID Variant Flattens ‘Black Friday’ Feeling

It’s been a Thanksgiving week of mixed news. The European COVID case surge was surpassed in negative impact by the fears of a new variant emanating from South Africa. US markets hit new highs just before the holiday, but Black Friday has felt a bit dark. In itself, a new variant is not surprising. New variants are always a risk, but each of the past ones has been dealt with by the vaccines.

/ 29th November 2021

Change to The State Pension Triple Lock

The earnings benchmark of the State Pension triple lock will be temporarily set aside for next year. The Department for Work and Pensions (DWP) confirmed on 7 September that the State Pension triple lock rule will not be applied for the 2022/23 financial year over concerns of the potential costs involved.

/ 25th November 2021

Market Update: Dollar strength and divergence caps a dull week for investors

Despite the negative news flow, be it COVID or politics, UK consumers are proving their resilience once again with both October retail demand and domestic consumer sentiment pointing up. Perhaps the buoyant jobs market is encouraging the UK public to be less concerned about inflationary pressures eating into their disposable incomes than some economists would expect, or it is equally possible that higher energy and food prices have not quite hit home yet.

/ 22nd November 2021

ESG: Investing With Impact

It’s no secret that the growth of Environmental, Social and Governance (ESG) investments in recent years has been fundamental. This has largely been fuelled by the climate emergency, leading to growing scrutiny of company practices with some governments mandating a change in companies’ and individuals’ behaviour...

/ 18th November 2021

Market Update: The bad kind of inflation…

We are in the middle of the biggest inflation bout in years as ubiquitous post lockdown supply issues are sending prices skyward. A recent report from the Bank of International Settlements suggests that this inflation has become self-reinforcing; Bottlenecks have caused suppliers to build buffers at multiple stages of the chain, exacerbating supply problems that drive prices...

/ 14th November 2021

Time for pensions to contribute towards building a better world

As we have been witnessing in recent years and months, climate changes are occurring in every region and globally. A new landmark report from the United Nations on the state of climate science has highlighted modern society’s continued dependence on fossil fuels, which is warming the world at a pace that is unprecedented in the past 2,000 years...

/ 8th November 2021

Market Update: Bond markets give central bankers a telling off

Capital markets enjoyed another good week, although with one notable difference – this time bond investors were allowed to join in. Just as energy prices started stabilising, corporate earnings results proved less supportive than in the previous week, while macroeconomic data continued documenting the anticipated slowdown of the global economy.

/ 1st November 2021

Market Update: Confused or determined central bankers?

Capital markets continued over the week to recover just as gradually from the September/early October downdraft as they declined then. Many commentators put it down to the continued strong Q3 corporate earnings announcements, which with 20%-40% year on year growth between Europe and the US has indeed provided a positive for stretched equity valuations.

/ 25th October 2021

What’s happening with inflation?

Understanding inflation is an important factor when it comes to your financial success. If you don’t factor inflation in when deciding where to put your money – whether that’s savings accounts or investing – you could find your wealth shrinks over the years.

/ 22nd October 2021

Market Update: The state of the global economy

By most measures, economic growth has been disappointing over the last few months. Economists started the year with high expectations for the post-pandemic recovery to become a sustained expansion – optimistic that vaccines and rebounding confidence would spur activity.

/ 15th October 2021

Investing for Children and Grandchildren

With many of us living longer, you may be thinking about how you can support your family at the moments that matter. Sharing your wealth during your lifetime – especially with younger generations facing the pressures of rising house prices and university fees – can really make a difference and bring you great joy too.

/ 15th October 2021

How to Trace Multiple Old Pension Pots

Changed job? Moved house? It’s not always easy to keep track of a pension, especially if you’ve been in more than one scheme or have changed employers throughout your career. Over time, pension schemes close, merge or become renamed. So even if you remember the name of your scheme, it could now be called something else.

/ 12th October 2021

Market Update: Economy Hits an Air Pocket

October has carried on where September left off, with quite a bit of daily up and down for markets, but with a slight downwards trend. For UK readers, the lack of positive vibe in stock markets is probably unsurprising, with petrol this week only slowly returning to being a commodity – rather than a scarcity...

/ 8th October 2021

Autumn Team News

Hello autumn! What a beautiful start to September we had and alas, the rain and wind starts to become more frequent and soon enough, we’ll all be scraping the frost off our cars in the mornings (as long as we have some fuel that is!)

/ 5th October 2021

Market Update: Wall of Worry Time

The UK received worrying economic news on multiple fronts this week, with several utility companies going under and the prospect of steep rises in winter heating costs, petrol stations running out of fuel, gaps on supermarket shelves and the Bank of England signalling it may raise rates as early as December of this year.

/ 25th September 2021

Market Update: End of the re-opening honeymoon

We are halfway through September and investors have not experienced a continuation of the positive returns picture of the summer months. This is despite COVID restrictions gradually lifting (not only in the UK) and an on-track economic recovery resulting in record numbers of jobs and demand outstripping supply in many places.

/ 17th September 2021

Market Update: Paying For It

Last week, we noted the increasing importance of fiscal policy, and sure enough this week the UK kicked-off the new school year with a big fiscal bang. National Insurance contributions are on the rise, along with a further tax charge on dividends to fund the NHS and social care over the next few years.

/ 13th September 2021

Market Update: Politics and policy sit at the head of the table

Last week felt a bit like the whole month of August. Equity markets (North America and Europe) were in the green over the past few days, and then on Friday expressed their disappointment over the weak US jobs report. Market participants discovered yet again their taste for cash-rich mega- caps in the US, especially after last week’s Jackson Hole symposium.

/ 6th September 2021