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Markets

Ups, downs and riding the waves in between

From record highs to the anniversary of a historical slump, the stock market has been much in the news lately. Get the insight that goes beyond the headlines for your personal finances and investments.

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National Savings & Investments closes the Children’s Bond

When National Savings & Investments (NS&I) announced the launch of their new Junior ISA, they said that the Children’s Bond would be closed to new sales from September 2017, this is disapointiung, but with the JISA and the abilty to fund Pensions for children I can only asusme the demand was not there. NS&I have now […]

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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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Universirty

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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