Tag: Savings
IFP supports Ireland Rugby League
Informed Financial Planning is delighted to support Ireland Rugby League in some upcoming matches and tournaments. We are committed as a firm and individuals to supporting events and charities close to our hearts – the charity Saggy’s Trust – set up to support rugby league players and their families in distress or hardship – is [...]
Read moreFinancial Planning and Divorce
No-one who is going through a divorce finds the process easy: it’s long, messy and almost always painful. Even if there are no children involved, divorce is a procedure that takes its toll on both sides: the acrimony, the paperwork – and the inevitable meetings with your solicitor. It’s understandable that many people involved in [...]
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 moreApril Market Commentary
March was a month which began with headlines about the Greek debt crisis and the impending ‘final deadline.’ By the end of the month the focus – in Britain at least – had shifted to Granny Tax, Cornish Pasties and the shortage of petrol. On March 7th world stock markets suffered some of their worst [...]
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 moreImproving your chances of selling your home
What makes a house buyer choose to buy a particular house? What do they have in mind when they look at houses to buy? If, for whatever reason, you are determined to sell your property, you can’t dwell on the state of the house sales market, even if it is sluggish or saturated with unsold [...]
Read moreA bleak forecast: the UK in recession and base rates on hold until 2016
The Centre for Economic and Business Research (CEBR) indicated in a recent report that the UK economy is probably already in recession, with negative GDP growth in the fourth quarter of 2011 and the first quarter of 2012. The CEBR has also revised down its forecast for growth for 2012 as a whole, from 0.7% [...]
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 [...]
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