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Is £1m enough to retire on?

November 11, 2019

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November 11, 2019

An article in this weekend’s FT asked the above attention gabbing question. To a certain extent it misses the point as the first questions should be, “How much income do I want in retirement?”. The answer to this is completely personal and dependent on the person’s unique circumstances.

Various retirement reports give a broad overview of what...

October 31, 2019

Annuity rates hit their lowest level since 1994 in September, with implications for those making retirement decisions.

Since the introduction of pensions flexibility in 2015, annuities have become much less popular as a way of converting a pension fund into income. The most recent figures from the Financial Conduct Authority show that over fiv...

October 22, 2019

Marks & Spencer was demoted from the FTSE100 in September.

Source: London Stock Exchange

The FTSE100 is subject to a quarterly review of its 100 constituents. The process is not quite as simple as picking the 100 largest companies listed on the London Stock Exchange, but it’s not far off. The latest review took effect on 23 September 2019 and r...

October 14, 2019

Life can be stressful enough at times, and the last thing you need is the worry of chaotic finances working against you instead of for you. A financial advisor can organise, simplify and structure your finances, so they are working efficiently for you. One of the ways that we achieve this for our clients is through user friendly technologies.


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October 10, 2019

Climate change is a hot topic in the media and with people all around the world. The National Ocean Service reports ocean levels are currently rising at a rate of one-eighth of an inch year on year, driven by climate change. As more and more evidence is brought to light around our ever-changing world people and businesses are looking for ways...

October 1, 2019

New figures show HMRC’s “customer compliance” efforts are yielding substantial sums. 

In early August, HMRC issued its annual report and accounts for 2018/19. While not everyone’s choice of holiday reading, it did contain some eye-opening information about the “compliance yield” – how much HMRC raised from its work in countering tax avoidance...

September 25, 2019

There are currently long delays in gaining probate on the estates of the recently deceased.

Late in 2018, the government issued a written statement announcing its intent to go ahead with controversial increases in probate fees for England and Wales. Instead of the current flat fees of £155 for applications through a solicitor and £215 for indi...

September 17, 2019

Is a state pension age (SPA) of 75 looking more likely?

Recommendation

The SPA should better reflect the longer life expectancies that we now enjoy and be used to support the fiscal balance of the nation. The SPA in the UK is set to rise to 66 by 2020 (Pensions Act 2011), to 67 between 2026 and 2028 (State Pension Act 2014) and to 68 between 20...

September 10, 2019

Stock markets, as well as some family holidaymakers, experienced a rollercoaster August.

The traditional holiday month proved to be anything but quiet on the world’s investment markets. As the graph of the major UK and US stock market indices shows, there were plenty of sharp lurches, up as well as down.

Inevitably the downward trends attracted...

August 27, 2019

The US Federal Reserve has cut its main interest rate for the first time in ten years, but will it have a knock-on effect? 

 Source: US Federal Reserve

The last time the US central bank, the Federal Reserve, cut its main interest rate was in December 2008, in response to the fallout from the financial crisis. That last drop was preceded by nine...

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