May Market Commentary

Posted by siteadmin on Friday 11th of May 2018

Introduction
It looked for a long time that the main headline for this commentary would be the opening salvos in a trade war between China and the USA. The International Monetary Fund published a bullish report on world trade, saying that global growth will hit a 7 year high of 3.9% this year – giving a stark warning at the same time that trade risked being ‘torn apart’ by a protracted trade war.

But then came the news of North Korean leader Kim Jong-un’s, historic visit to South Korea and his meeting with President Moon Jae-in. There follow...


Imagine a world…

Posted by siteadmin on Friday 11th of May 2018

The future of money is upon us and it’s exciting!

We’re expecting to see 2018 as the year that cash is overtaken as the major form of payment in the UK. Whether it’s through cards, apps or even the swipe of a hand, the time of contactless payments has arrived.

Right at the forefront and keen to embrace these technological advancements is the travel industry. Welcoming tech, such as virtual reality, with open arms means that travellers may soon see their shopping experience streamlined. Imagine placing your mobile phone into an in-flight vi...


Why it often pays to retire early

Posted by siteadmin on Friday 11th of May 2018

Sound financial planning is not only good for your bank account – it could actually improve your life expectancy. If you’re reading this then you probably don’t need to be convinced of the benefits of looking after your money, but here’s another reason to add to the list.

The idea of retiring early can be most appealing. For some, it will already be a reality, while wise saving and investment may mean it’s perfectly achievable for those at the consideration stage. Research now suggests that an early retirement can actually also lengthen you...


HMRC payroll investigations on the rise

Posted by siteadmin on Monday 9th of April 2018

Recent figures released through a Freedom of Information Request have revealed that payroll investigations last year led to HMRC collecting £819 million of additional tax, a figure that represents a year-on-year jump of 16%.

It has been suggested that the increase is due to a ‘grey area’ over whether a taxpayer is considered to be ‘employed’ or ‘self-employed’, with this area being targeted by HMRC in order to eradicate any ambiguity and categorise as many people as possible as being employed. Doing so means that tax can be deducted at sour...


What is a ‘market correction’?

Posted by siteadmin on Monday 9th of April 2018

The start of 2018 has been an eventful time in the world of the stock market. After hitting highs at the end of January, both the Dow Jones and Standard & Poor’s 500 saw a considerable drop at the start of February, a fall from which the markets have now mostly recovered. At the time, however, this was reported as a ‘market correction’ by most media outlets. But what exactly does a correction mean in this context?

Put simply, a market correction is when the price of any security or market index declines by at least 10% after a recent high. ...


April Market Commentary

Posted by siteadmin on Monday 9th of April 2018

Introduction
To say that March was a busy month is an understatement.

Russia went to the polls to elect a new President and, in the least surprising result of the year, Vladimir Putin won another six year term. With the Chinese Communist Party removing the rules limiting Xi Jinping to two terms in office, two of the world’s three superpowers now effectively have presidents for life. North Korean leader, Kim Jong-un, jumped on the train and headed to Beijing for talks, ahead of his meetings with Moon Jae-in, the South Korean leader, and with ...


March Market Commentary

Posted by siteadmin on Tuesday 13th of March 2018

“The first month of 2018 was a good one for the major stock markets which we cover in this Bulletin. We report on 12 markets and 11 of them made gains in January – in some cases, spectacular gains, which many investors would regard as more than adequate for a full year.”

Sadly, February was the exact opposite: 10 of the 12 markets on which we report were down in the month, following a global sell-off at the start of February. But that is the nature of savings and investment: stock markets rise and fall. Saving and investing is a long term b...


Lonely Planet travel tips for 2018

Posted by siteadmin on Tuesday 13th of March 2018

We all have bucket lists of one form or another and high up on a lot of people’s lists are various travel experiences. Travel allows us to experience other cultures, other climates, to meet new people and generally broaden our horizons. Especially now if you are in or approaching retirement and you have time to make your travel ambitions a reality.

Maybe you want to sit on the edge of the Grand Canyon or walk the length of the Great Wall of China, treading a similar path to many in your position with the free time to spend enjoying life.

B...


Retiree Communications

Posted by siteadmin on Tuesday 13th of March 2018

You’ve perhaps lived a full and rewarding life, settled down, had a family, and are now reaping the benefits of working hard and investing in your future. But has the world got smaller since back when you first began to make your mark? Now, through using social media on your tablet or smartphone, you can find that schoolfriend that emigrated halfway across the world or have a video chat with your grandchildren even though they live some distance away, or perhaps you use your smartphone or tablet to manage your portfolio while you are on the ...


4 ways to make your money go further

Posted by siteadmin on Friday 2nd of February 2018

January is a month that often feels twice as long in financial terms after the extravagances of Christmas and New Year, but just because we’ve reached February and your bank balance is finally looking a bit healthier doesn’t mean giving up all those thrifty habits you’ve adopted at the start of the year. It’s far better to capitalise on your good financial habits by adopting a few more and helping your money to go even further. Here are four simple but effective ways you might do just that:

1.   Try online grocery shopping – There are sever...


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