Tag: risk

The Year of Hard Truths – A Look Ahead to the 2014 Budget

Posted on February 13, 2014 No Comments

Chancellor of the Exchequer, George Osborne, will deliver the 2014 Budget on Wednesday, 19th March – little more than three months after he delivered the Autumn Statement. When Osborne delivered his Budget in March 2013, the news for the UK economy wasn’t particularly good – in fact, many commentators were worrying about the UK slipping […]

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What you need to know about the new High Income Child Benefit Charge

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Child benefits are currently paid out at a rate of £20.30 per week for the first child, and £13.40 for each subsequent child, with an increase planned for the 2014/2015 tax year to £20.50 and £13.55. These benefits are claimed by many families for all children under the age of 16 and in some cases […]

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VCTs and EIS compared

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Both are high risk investments – but both have the potential of high reward… Let’s start with some facts. A Venture Capital Trust (VCT) is an investment vehicle quoted on the stock market, like an investment trust. The VCT scheme is designed to encourage investment in smaller, normally higher risk companies, often including start-up companies. […]

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Why Directors and Business Owners Fail to Plan their Retirement

Posted on February 4, 2014 No Comments

Company directors and owners of SMEs make plans and do forecasts all the time. Cash flow forecasts, SWOT analyses, plans for renewals and refurbishment; there’s hardly a day when they’re not eyeball to eyeball with a spreadsheet. So why do so many of them fail to plan their own retirements? With studies suggesting that only […]

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UK Inflation Down!

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The Consumer Prices Index (CPI) grew by 2.0% in the year to December 2013, down from 2.1% in November. The December Office of National Statistics (ONS) CPI figure is at the Government’s target of 2.0%. This is the first time that the CPI has been at or below the target since November 2009, when the […]

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Growing incomes disguise widening gaps and slender savings amongst UK families

Posted on January 20, 2014 No Comments

UK families are divided by a growing income gap despite their typical incomes reaching a three year high, the latest Aviva Family Finances Report revealed in December 2013. The report, which tracks the financial circumstances of different UK family types, also shows that while more families than ever have savings, an increasing number have less […]

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Will the State Pension really fund your post-retirement leisure?

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Too many people are going to rely on the state pension in retirement to provide for all their needs and wants, including their leisure activities, a Nationwide survey has found. Nearly half of the 2,400 surveyed rely on or plan to rely on the state pension for their post-retirement holidays and other leisure activities. Going […]

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Research reveals the luxuries the UK wouldn’t give up to boost personal finances

Posted on January 2, 2014 No Comments

The recent Aviva commissioned study into the state of our monthly finances, published in November 2013, evidenced that many of us may have month-on-month overspend and debt problems. The findings also reveal that 20% of us don’t, or wouldn’t, change our lifestyle to reflect our financial situation, with the internet named as the thing that […]

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December Market Commentary

Posted on December 3, 2013 No Comments

The Guardian’s bid for Financial Headline of the Year brought down the curtain on ‘Black Friday’ and heralded ‘Cyber Monday.’ Black Friday is the Friday before the Thanksgiving weekend in the US: it is supposed to be the day on which stores move into profit for the year as eager shoppers – seduced by special […]

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Just why did Neil Woodford make headlines and why should you ‘know the name’?

Posted on November 26, 2013 No Comments

Back in October, clients may have noticed several articles in the mainstream press discussing Neil Woodford’s imminent departure from his position at Invesco Perpetual. Neil is a well known figure in the financial services industry, but just why did his decision to change jobs make national news? Feeling much better after starting to take two […]

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