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Greece may be on its financial knees but, when it comes to pension provision, according to recently-released OECD figures Greek pensioners receive a higher percentage of their working age earnings (54.1%) than in many wealthier nations including the UK (38.3%), Canada (42.9%) , New Zealand (43%), the US (44.8%), Switzerland (46.9%) and Germany (50%). If […]
Last week financial experts were warning grandparents – dubbed ‘the generous generation’ – from making over-generous handouts to children and grandchildren which could cause them to run out of money later on in life. This has become an issue with the relaxing of pension regulations in the UK. From April this year, rather than being […]
A just-released OECD study on pensions has revealed how British retirees experience a bigger drop in income on retirement than those in almost every other country in the organisation. From the 34 member states, only Mexican and Chilean pensioners are worse off. According to the figures, on retirement the average UK earner will receive a […]
It was Benjamin Franklin, one of the founding fathers of the United States who is credited as saying ‘A penny saved is a penny earned’ but is it really true? As interest rates have stagnated since the financial crisis of 2007, you could be forgiven for challenging Franklin if your money is sitting in the […]
Expats have some unique requirements when it comes to a financial plan. Here are four dilemmas which expats face, and how to solve them. Problem #1: Currency fluctuations Expat finances can be complicated by the fact that you might earn income in one currency, live in a country which has a different one and make […]
Just as a truly great football team needs a strong defence to stop their opponents from scoring as well as the more dazzling strikers who will put the ball in the back of the net, so a balanced portfolio needs some defensive investments to counteract the riskier ones. Defensive stocks, like their footballing counterparts, are […]
It’s an extremely pertinent question given recent data released from S&P Dow Jones Indices. The figures show that funds that are being actively managed are failing on a massive scale with nine out of ten European equity funds and three quarters of UK equity funds underperforming against their benchmarks over the last decade. In addition, […]
We have talked about the importance of critical illness cover in protecting your family against the possible consequences of contracting a serious illness in previous blog posts. Medical advances have led to earlier diagnosis of critical illnesses such as cancer and heart disease which in turn have raised survival rates. That is clearly great news […]
What do you think is your most valuable asset? Your property? Your car? Your retirement fund? All those things may be worth a lot of money, but they are still almost certainly worth less than your most valuable asset: you and your ability to earn over the course of your lifetime. Say you are 40 […]
This week – 18th to 24th October – is Good Money Week, an initiative aimed at increasing awareness of ethical or socially responsible investing. We all have the possibility of using our money to invest responsibly and as our world faces the huge challenges presented by rapid population growth, scarcity of resources, increasing social inequality […]
Today’s blog is a guest post from Charlie Rosier, Director of our Investment Property partner Blackfish. 2015 has been a tumultuous year for the UK property market. December 2014 saw changes to the Stamp Duty threshold, which gave tax relief to over 97% of properties, but increased tax for the most expensive. The impact was […]
Life insurance is a confusing subject for many, which is one reason why there are so many myths surrounding the subject. Here are some of the most common reasons given for not taking out life insurance – myths that have no foundation in fact. 1. My home policy will cover me abroad In reality it […]
This week the Telegraph reported that over half of high-earning Britons (those earning upwards of £60,000) plan to either spend a large part of their retirement abroad, emigrate permanently or live abroad for a number of years. And 12% of those earning £25,000 or less are hoping to leave British shores forever once they retire. […]
Although pensions affect us all if we are lucky enough to last until we stop working, there is a surprising amount of confusion surrounding the subject. Here are 5 common myths about pensions: 1. I don’t need a private pension, the state will support me This is probably the most common pension myth, often used […]
The short answer is yes! And here’s the lowdown on why. Young people tend to take greater risks in life, which explains a lot of things including why adolescents commit more crimes than other age groups, why they are more likely to drink and smoke and why it costs a lot more to insure a […]
Investors who currently have all their money tied up in equities are having a bad time of it. The China crisis on Monday 24th August sent shockwaves around the world causing share prices to nosedive. Immediately after Black Monday the FTSE 100 was down 4.6% with £73.75bn wiped off the value of shares and a […]
The collapse of the banking sector, mis-selling of endowments, pensions, PPI, the LIBOR rate fixing scandal… it’s not hard to see why financial companies are not exactly top of the trusted professions list right now. Public mistrust is possibly at an all-time high and the industry is having to take a long hard look at […]
In a previous blog post we dealt with the impossibility of avoiding risk altogether when investing and the importance of working out your own personal tolerance to risk and then diversifying your assets. In this post, I’d like to highlight the different types of risk involved in investing. Inflation risk Inflation is a silent thief […]
If you have strong political, religious or environmental beliefs, it makes sense to invest in companies which don’t go against your principles. If you think Amazon is the work of Satan because of its reputation for tax avoidance and unfair treatment of its employees then you will probably avoid investing in shares in the company. […]
Investment involves risk. Always. The important thing is to manage that risk in a way which is suitable for each individual. In order for financial planners to be able to find the best level of investment risk for each client, they need to work out the individual’s risk profile. This involves three elements: Risk capacity […]
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