Tag: investment
A look at what IFP do for our clients…
This section of our quarterly newsletter will look at a specific case study and demonstrate how you can identify which of your clients we may be able to help, how we provide our services and the results of providing high quality independent professional financial advice. The Retiring Business Owner Case Study Mr Owner aged 57 and [...]
Read moreWhat are your financial goals?
Working in financial planning we come across a varied range of individuals who often arrive with generic financial objectives with regards to investing money such as to outperform the FTSE 100 Index or a range of other sectors or benchmarks. If an investment achieves this it is perceived to have done well, if not then [...]
Read moreDifficult Choices – ISA or Pension Savings?
In the UK, we may be putting more savings into stocks and shares ISAs than into personal pensions. Reporting on savings trends in the 2010/2011 tax year, the Office for National Statistics (ONS) said savers put £14.3bn into personal pensions in that tax year, compared with £15.8bn into stocks and shares ISAs. This compares with [...]
Read more5 Qualities an IFA brings to your investment portfolio
Let’s assume for a moment that you’re in the happy position of having £100,000 to invest. What would you do? Play absolutely safe and put the money on deposit? Or go all out for capital growth and put your windfall into a fund that could give you a sky-high return – but that carries an [...]
Read moreBeware of the dog – the importance of monitoring funds regularly
If you watch the money programmes on TV or read the financial pages of the newspapers, you might have come across the term ‘dog fund.’ What does the term mean? And why is it so important to the ordinary investor? Put simply, a ‘dog’ is a poorly performing investment fund. Let me explain in more [...]
Read moreMaximise your ISA opportunity
As the end of the tax year approaches, we have the biggest ISA opportunity available since ISAs were first introduced. In the next five weeks by spanning the 2011/12 and 2012/13 ISA tax years a family of four will have the ability to shelter £58,320 from the taxman. This assumes that a couple each use their [...]
Read moreISAs gathering dust, not interest!
An increasing number of new cash ISA products are being sold with additional interest as a bonus percentage, usually for no more than the first year. Investors who do not review their ISA holdings on at least a yearly basis may find that a later interest yield is dramatically less that they expected. Some people [...]
Read moreTen strategies for tax planning in 2012
In the theme of making New Year’s resolution’s for 2012 – an often overlooked part of putting your finances in order is making sure that your tax planning is effective. Are you claiming all the tax relief you’re entitled to? Are your investments arranged in the most tax efficient way? To give your financial planning a head [...]
Read moreTen New Year’s Resolutions for your Financial Planning
Around 50% of us make New Year’s Resolutions and ‘sort the finances out’ must be one of the most popular: but that’s a little vague – it’s more a wish than a firm commitment to take action. The main subject of many of our January appointments with both new and existing clients seem to have [...]
Read moreWhich? Report highlights inappropriate investment advice by our trusted banks
According to a new Which? report, many high street banks and building societies are giving poor advice and recommending inappropriate investment products to elderly and potentially vulnerable consumers. Which? researchers, in an undercover investigation, found that only 5 out of 37 advisers in banks and building societies gave good advice about investments. Many of the [...]
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