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The terms bull and bear are buzzwords which are often used to describe different markets in the financial press and on trading floors but do you know what they mean? If you have investments, a bull market is what you want as it describes a market where prices are rising. Officially, to be a bull […]
A posting to Asia gives many expats the opportunity to benefit from an inexpensive cost of living coupled with a relatively high salary. This makes for high disposable income with extra cash to spare even after all your costs are covered and some fun has been had. But what will you do with it? Your […]
The concept behind compound interest is very straightforward. Simply put, it is interest earned on interest. It relies on the investment of two things; earnings and time. The more important of the two could be said to be time, given enough time even smaller investments can grow substantially by the time you reach retirement. The […]
When I went to bed last night the markets were unbelievably calm and sterling remarkably buoyant given that Britons had been voting all day on whether or not to stay in the European Union. It indicated a general last minute belief that when it came down to it Britain would vote to remain. This morning […]
The cost of higher education has been increasing around the world, and starting salaries after graduation aren’t keeping pace for students to pay back their loans. As noted in a CNBC article, “’If you look at the long-term trend, [college tuition] has been rising almost six percent above the rate of inflation,’ said Ray Franke, […]
Unless you are filthy rich, you will have finite financial resources which means carefully considering what to spend your hard-earned cash on. This inevitably involves weighing up priorities and often making some tricky financial decisions. It can be very easy to get bogged down in details and be unable to see the wood for the […]
A divorce can be extremely damaging financially. As a couple you probably shared the financial burden of rent or mortgage and bills whereas now you will each have to fork out. That can be tough. Often one half of the couple will have managed the household finances leaving the other one completely at sea now […]
Not making a will is folly for more than one reason. If you don’t already have one, here is some food for thought which might just spur you on to move the important, but not necessarily difficult, task of making a will to the top of your to do list. 1. Your partner could lose […]
A post popped up on my Facebook post – and that of millions of others – this week containing a letter from a hacked off graduate, Simon Crowther, to his MP complaining about the hike in his student loan rate after graduation. The post contained a statement detailing interest payments totalling £1,800 over the course […]
Often company shareholders are rewarded with a dividend – this is a portion of the company’s profits which the board of directors decides to share with investors when a company has performed well. It is always extremely gratifying for investors to receive a dividend cheque in the post and tempting to use the windfall to […]
A 2012 survey revealed that 58% of the UK adult population don’t have a will. In this article I outline the main reasons people give for not having a will, along with some pretty heavyweight arguments as to why they are poor excuses for not taking the important step of sorting out exactly what will […]
Saving enough for a happy and secure retirement is becoming increasingly difficult and indeed could become an unattainable luxury for some. Retirement infrastructure in many countries is at breaking point which leaves it in the hands of individuals to save enough to support themselves after they finsin retirement. And yet huge numbers of people are […]
UK parents will lend a whopping £5bn to their children this year in order to help them take the notoriously difficult first step on to the property ladder. 25% of all mortgage transactions in the UK in 2016 will be partially financed by parents with an average contribution of £17,500. Over the course of the […]
In an ideal world all our clients will have started putting money aside for their retirement from the very first pay packet they received. In reality, this is often not the case. A familiar scenario is for someone to have spent their twenties feeling immortal and that pensions are a waste of money when there […]
The fact that public sector pensions are being mismanaged may not come as much of a surprise but the scale of the mismanagement just might raise an eyebrow. According to a press release issued yesterday by the London-based economic thinktank, the Adam Smith Institute, ‘hidden’ national liabilities totalling £1.85 trillion, yes, that’s trillion, dwarf the […]
If you are in your twenties you have years to save for retirement and you might think you can put it off for a while but let me tell you, you will probably need all the years you can get. Here are four reasons why I would not recommend waiting before setting up a pension […]
The flexibility given to retirees following last year’s ‘pensions revolution’ in the UK has been welcomed by many who appreciate being able to drawdown as much of their savings as they like whenever they like once they hit 55, with 25% of withdrawals tax-free. Annuity sales fell 18% in the first half of 2015 compared […]
An online survey of over 27,000 individuals in 22 countries by top market-research company, Gfk, reveals that money is the biggest cause of stress around the world. That won’t come as a surprise to most of us. Who hasn’t at some time or other got their knickers in a twist about a high credit card […]
Another year, another UK pensions crisis! Worries that the current pensions system is unsustainable in the long term have led the government to commission yet another review of the pensions regime which will inevitably mean a hike in the state pension age. Future retirees will almost certainly look back enviously at today’s retirees who can […]
If you’re going to be having a baby soon – congratulations! No doubt your world has been a flurry of doctor’s visits, ultrasound scans, new dietary restrictions for the expectant mum and exciting announcements to your nearest and dearest. When you start to get your head around the fact that in a short time your […]
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