Author: Phil
Stock picking vs. investing in funds
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Should you invest money in funds (e.g. an index fund) or pick stocks individually yourself? Many people like the idea of […]
Posted in Blog
How the State Pension triple lock works
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Lately, the “triple lock” system has come under doubt as the UK government grapples with the rising cost of the State […]
Posted in Blog
What is the role of cash in a financial plan?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. It is certainly possible to hold too little cash in savings. Yet it can also be possible to hold too much […]
Posted in Blog
A short guide to “stealth taxes” and how they affect you
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. The headlines often speak of “stealth taxes” – but what are they exactly, and how might they affect you? In this […]
Posted in Blog
3 welcome tax changes for landlords
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. The recent Mini-Budget has certainly stirred a reaction; admittedly, much of it negative. Yet the announcements do contain some good news […]
Posted in Financial Planning
Could we see another Great Depression?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Some analysts are forecasting a looming UK recession in 2022. Others are going further and predicting a depression. What are the […]
Posted in Financial Planning
Another interest rates rise – what it means for you
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. On Thursday 22 September 2022, just prior to the Chancellor’s publication of the new Mini-Budget, the Bank of England (BoE) announced […]
Posted in Financial Planning
A closer look at the 2022 Mini-Budget
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. The Chancellor’s new “Mini-Budget” is perhaps poorly named given the shake-up it has caused in the tax system and financial markets. […]
Posted in Financial Planning
A short guide to the tapered annual allowance
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. Each tax year, a UK resident is usually entitled to put up to £40,000 into his/her pension(s) – or, up to […]
Posted in Financial Planning
What is diversification?
This content is for information and inspiration purposes only. It should not be taken as financial or investment advice. To receive personalised, regulated financial advice regarding your affairs please consult an independent financial adviser. How should you “spread out” your investments? Many people recognise that it is very risky to put all of your eggs […]
Posted in Financial Planning