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Gender gap even affects children’s pensions

 We’re familiar with the gender gap in pensions for adults but there is evidence that this actually starts much earlier on. According to data from HMRC, parents and grandparents are more likely to save into a boy’s pension than a girl’s. A Freedom of Information request by Hargreaves Lansdown revealed that 13,000 girls aged 15

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Sole trader vs limited company?

When people are setting up a business, one of the first questions they have to grapple with is what legal structure they are going to trade under – sole trader, limited company or partnership. If you’re one of our clients, you will already have made this decision but we thought it would be useful to

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What does Brexit mean for house buyers and sellers?

While you may be heartily fed up of the word, Brexit has unfortunately had a major impact on the UK property market. What has it meant for buyers and sellers? What might the best course of action be now?      The Rightmove House Price index in October showed that the traditional ‘Autumn bounce’ or increase in

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Is inheritance tax for the chop?

Inheritance tax is deeply unpopular, there’s no denying it. According to a 2015 YouGov poll, 59 per cent of the population think it’s unfair.  So whichever party is in power after the Election, it’s likely they will include it as one of the taxes to be reviewed.     Indeed, at the Tory party conference in September,

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Thomas Cook and the current state of auditing

When the giant tour operator Thomas Cook collapsed and went into liquidation after 178 years in business, various factors were cited. The firm’s failure was attributed to its unsuccessful merger with My Travel in 2007, its soaring debts and the transformation of the travel industry due to the internet. Uncertainty over Brexit and the fact

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Climate change fears impact on ethical investing

As pressure mounts on governments and financial institutions to do more to combat climate change, the demand for ethical investment opportunities is on the rise.  Triodos Bank’s annual impact investing survey has found that nearly half (45%) of investors say that they would be keen to move their money to an ethical fund as a

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November Market Commentary

market
The beginning of October brought us the Conservative Party conference and a plethora of promises and fiery speeches. Meanwhile world stock markets were tumbling on fears of a global sell-off and the US/Europe tariff war joining the US/China dispute. By the middle of the month President Trump declared himself ‘optimistic’ about trade talks with China. 

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How to retain your lifestyle in retirement

retirement
Do you feel like you just go to work day in, day out, with the weeks quickly turning to months and the months to years?     If that’s the case, you may be going through life with a vague notion that your pension contributions will be enough to give you a comfortable retirement without having done

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Can you still trust your Fund Manager?

October has not been a good month for fund managers (the people who make the investment decisions that dictate how well your savings and investments perform). There have been two very high profile resignations – one as a result of a Sunday Times investigation, the other from a Panorama exposé. Unsurprisingly, clients have been asking

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Why the humble 50p could be worth investigating

The 50p has been in circulation for over fifty years. It was the world’s first seven-sided coin and was introduced to replace the ten shilling note. The humble 50p was no stranger to controversy upon its entry into the pockets of the population, with one headline, back in the 60s, referring to it as ‘a

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