Latest News

Spring Budget – summary

Yesterday the Chancellor, Rishi Sunak, unveiled his closely-awaited Budget statement. Whilst it is fair to say that, in the immediate term, not a great deal has changed that will affect our clients it is worth noting the following key areas that will change. These include freezing the Pension Lifetime Allowance and Income & Capital Gains tax thresholds until 2026, hiking corporation…

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Supporting Stripey Stork in Surrey

As we begin to emerge from these difficult times which have challenged each and every one of us in ways that we may never have imagined, we are aware that, as an organisation, we must reach out and try to support the local communities where we work. As such, we are very proud to announce our support for Stripey Stork, a local…

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Stocks & Shares ISAs

Investing in a wide range of different tax-efficient investments Individual Savings Accounts (ISAs) can be used to hold stocks and shares or cash, or any combination of these, up to the current annual limit. An ISA is a tax-efficient ‘wrapper’ that can be used to help save you tax. A Stocks & Shares ISA and an Innovative Finance ISA are wrappers…

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With-Profit funds

Fewer ups and downs than investing directly in shares If you save regularly or invest a lump sum using a life insurance policy, you might choose to invest in a with-profits fund. These aim to give you a return linked to the stock market but with fewer ups and downs than investing directly in shares. However, they are complex and are…

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Pooled investment funds

Investing in different things, with different strategies Pooled investment funds – also known as ‘collective investment schemes’ – are a way of combining sums of money from many people into a large fund spread across many investments and managed by a professional fund manager.   There are a diverse range of funds that invest in different things, with different strategies –…

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Maintaining a diversified portfolio

Spreading risk among different kinds of investments When you start investing, or even if you are a sophisticated investor, one of the most important tools available is diversification. Whether the market is bullish or bearish, maintaining a diversified portfolio is essential to any long-term investment strategy. Diversification allows an investor to spread risk among different kinds of investments, called ‘asset classes’,…

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Understanding investment risk

Informed decisions to improve your chances of achieving your financial goals If you want to plan for your financial future, it helps to understand risk. If you understand the risks associated with investing and you know how much risk you are comfortable taking, you can make informed decisions and improve your chances of achieving your goals. Risk is the possibility of…

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Protecting wealth

Identifying your investment objectives is a lifelong process A total wealth solution has no value unless it is properly implemented through an appropriate investment strategy. If you’ve got a sufficient amount of money in your cash savings account – enough to cover you for at least six months – and you want to see your money grow over the long term,…

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Review your needs & goals

Take the time to think about what you really want from your investments You need to consider what you really want from your investments. Knowing yourself, your needs and financial and lifestyle goals, and your appetite for risk is a good start. Consider your reasons for investing It’s important to know why you’re investing. The first step is to consider your…

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Reddit, Gamestop and the principles of Shorting…

There has been a lot of press coverage over recent global market movements and how these tie into a platform called Reddit and transactions like shorting stocks.   So what does this all mean? Reddit is a social media page. Users can post content like links, texts and images which are then liked or disliked by other members. Reddit users posted…

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