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In our consumerist world where you are incessantly invited to spend, spend, spend saving can seem deeply uncool but when you find out all the benefits that you can achieve by saving you’ll realise that this is one new year’s resolution that really could transform your life. Here’s how: It makes you feel good Constantly […]
Savers in the UK have been getting a rough deal since the global financial crisis with interest rates held at 0.5% for a long eight years. In August 2016, when Brexit became reality, it was cut still further to a measly 0.25% and experts are predicting that the rate could go as low as 0.1% […]
FATCA – the Foreign Account Tax Compliance Act that was passed in the US in 2010 – has been playing havoc with the finances of American expats. It has become extremely difficult for US expats living abroad to invest, the reason being that investment institutions and banks simply don’t want the bother of having to […]
The US government’s policy of taxing all US citizens, regardless of where they live, is almost unique (as far as I know, only Eritrea is the only other country which does it!). The draconian FATCA law which forces them to declare all overseas assets is extremely unpopular, not just with individuals, some of whom have […]
Our investment management partner, Tilney Bestinvest, has just released their latest Spot the Dog study of underperforming funds. The report is something of a bugbear for those fund managers who are destroying value for investors, leaving nowhere for them to hide. You can download a free copy here. Fund managers at M&G are top dogs […]
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 […]
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 […]
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 […]
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 […]
If you have stock market investments you have good reason to be feeling anxious in 2016. Markets are on a rollercoaster ride right now with prices careering up and down. This volatility is being driven by a variety of factors, amongst them the slump in the price of oil, slow growth in China and political […]
If you have large cash deposits in UK bank accounts then you might need to re-jig your finances following changes to compensation legislation in the UK. From 1st January 2016 the Financial Services Compensation Scheme (FSCS) has reduced the amount of compensation from £85,000 per person per institution to £75,000 with protection on joint accounts […]
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 […]
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 […]
Whatever your age, whether retirement is round the corner or decades away, you really should be asking yourself this question. You don’t have to search very far on the internet to ascertain that a pensions’ timebomb is ticking in almost all of the world’s developed economies. Economists are predicting a crisis in the US, Canada […]
The financial crisis of 2008 has a lot of bad things to answer for but here’s one positive outcome. According to a study recently released by Scottish Widows, the UK is turning into a nation of savers. Apparently three quarters of Brits are now saving on a regular basis, over a third of them claiming […]
We are all familiar with Aesop’s fable of the tortoise and the hare, in which the plodding tortoise challenges the bragging hare to a race and is mercilessly ridiculed until the over-confident hare takes a nap mid-race only to wake up and find that the tortoise has beaten him across the finish line. The moral […]
Over the last two decades the financial landscape has undergone significant changes which have had a profound effect on how small investors engage with the market. One big trend is a move towards a mix and match approach to investing known as the multi-asset fund. Traditionally many investors were fixed on stocks and shares and […]
MOST of us have financial aims and desires we want to achieve and by simply dreaming about them is not the way to get there. Hitting that early retirement target, managing to fund your child’s schooling, or saving enough to get a supercar or a mega yacht means you have to get your money to […]
The issue of funding higher education in the UK is something of a political hot potato. Deputy Prime Minister Nick Clegg has been pilloried for the Lib Dems’ U-turn on university tuition fees – they failed to deliver on their pre-election pledge to abolish tuition fees, which have in fact increased under the Coalition government […]
Since the introduction of tuition fees for university courses in the UK in 1998, the cost of a university education has soared from a relatively innocuous £1,000 per year to an eye-watering average of £8,354 according to the National Union of Students. If we add to that the living expenses of the average student, which […]
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