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Buy and Hold

What’s better for retirement: property or pensions?  That’s the ‘killer question’.  The vast majority are wrong.  Over the last 30 years house prices have risen 434% (i.e. more than quadrupled).  But the stockmarket has done far better.  Assuming dividends are reinvested, the FTSE 100 has turned £10,000 in 1986 into £126,870 now.  And if you […]

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Back to School Funding – grandparents get top marks

Grandparents can make a real difference to their grandchildrens’  futures by helping with the costs of education. With the cost of a 3 year university course topping £50k*, grandchildren could otherwise be faced with a sizeable debt on leaving university, or worse, could be put off going altogether. The right combination of trust and investment […]

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LISA savers face losing their £1,000 bonus

The Lifetime ISA (LISA) which launched in April 2017 enables savers to subscribe up to £4,000 a year and receive a government bonus of 25% on the money. The LISA allows individuals to save for retirement or to buy their first home.  For the first year only the government bonus will be paid annually (i.e. at the […]

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Caped Crusader

Many analysts believe shares in developed markets such as the UK are currently expensive.  But according to Robert Shiller, the economist famous for developing the Cape ratio – cyclically adjusted price to earnings – for valuing stocks, the UK Market remains ‘a great investment’.  The Cape ratio takes the current price of a stock and […]

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June Interest Rate Decision

An increase in interest rates could be nearer than anyone thought! Thursday’s meeting of the Monetary Policy Committee (MPC) of the Bank of England was expected to be a non-event. A Reuters poll of economists revealed that not one expected a move in base rates from the 0.25% set in the wake of the Brexit […]

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Marriage Tax Allowance – What Is It?

As you may be aware the Government has introduced a tax break called the Marriage Tax Allowance. The allowance, which came into effect from 6 April 2015, is available to couples who are married or in a civil partnership and enables a transfer of a proportion of their tax free personal allowance between them. The […]

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Care and the Conservatives – General Election 2017

With the General Election looming over us and the election polls ever-shifting, nobody knows which way the scales will tip on 8th June.  However, there have been some interesting topics for discussion raised in the recent weeks. As many will have seen in the recent press, care and the ‘capping’ of care costs is a hot […]

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The FTSE 100

The FTSE 100 – the “Footsie” – is the UK stock market index which garners most of the headlines. It was launched on 31 December 1983 with a base value of 1,000. Today it is about 7,550, which equates to an average annual return (excluding dividends) of 6.2%.  RPI inflation over the same period averaged 3.5% […]

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Personal Allowance – Do I lose it if I earn over £100k?

The Personal Allowance is the amount of income an individual can earn before they start to pay Income Tax but it will be reduced and potentially lost altogether for those whose total income exceeds £100,000. The Personal Allowance (under age 65) is currently £11,000 but you will lose £1 of Personal Allowance for every £2 […]

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The New £1 Coin

With the excitement surrounding the issue of the new one pound coin, I wondered how much I would have today, if I had invested 10,000 of them into the FTSE All Share index when the pound coin was first launched. The one pound was introduced on 23 April 1983, when Lady Thatcher was Prime Minister, […]

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With investment, your capital is at risk. The value of your portofio with Lexo can go down as well as up and you may get back less than you invest. It is important that you understand the risks. Lexo aims to provide information to help you make your own informed decision. It does not provide personal advice based on your circumstances. If you are unsure, please seek personal advice from Lexington Wealth.

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