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December Market Commentary

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Introduction It is always difficult writing a report like this, as you are always trying to ‘hit a moving target.’ While you can record the stock market levels at the close of business on, say,  30th November, there is always the risk that the commentary is overtaken by events. That has never been more true than

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November Markets in brief

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November was an average, if unspectacular, month for global markets. This will be welcome news for many investors – it followed an October that investors described using language ranging from ‘slightly worrying’ to ‘catastrophic’ depending on where their money was invested, and events were interpreted on a scale of ‘massive fall’ to ‘temporary speed bump’

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Returnships: helping mums return to work

For women returning to the job market after a long career break, getting back on track can seem daunting. Many are reduced to applying for graduate-level and admin work, far below their level of experience. They feel that their skills are outdated or they will have lost their touch. Others find that recruiters have a

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Post-GDPR: What you may have noticed

Since its introduction in May, the GDPR regulation has massively reduced the number of trackers that companies place on the internet and how our data is stored. After the flurry of emails we received in May, seemingly from every company we’ve ever had contact with, all seems to have gone silent. The reality, however, has

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3 pension changes you may have missed in the Budget

There was scarcely a mention of the ‘P’ word in October’s Budget speech (believe us, we were listening closely for it!). Instead, Hammond used the Budget speech as an opportunity to unveil his ‘rabbit in the hat’ changes to income tax thresholds, an increase in NHS mental health funding and a ban on future PFI

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The longevity challenge and how to tackle it

The longevity challenge: In the UK, we are faced with the challenge of an ageing population. Many of us will live longer than we might have expected. Already, 2.4% of the population is aged over 85. Because of improvements in healthcare and nutrition, this figure only looks set to rise. The Office of National Statistics

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IR35, the biggest Budget revenue raiser

Extra money for Brexit and the NHS, changes to growth and debt forecasts, changes to tax thresholds and a new ‘digital services tax’. These have been the points which have received the most media attention from the autumn Budget. Another important announcement, however, has predominantly slipped under the media radar and failed to become a

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Should the Bank of Mum and Dad start charging interest?

If you’ve lent money to your children to help them with university fees, a deposit on their first home or even just to support them with the rising cost of living, then you’re not alone. Statistics suggest that around a quarter of all mortgages are now partially funded by the ‘Bank of Mum and Dad’.

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Kids off to Uni? Congratulations – but have you been saving enough?

The Institute of Fiscal Studies suggests that the average total debt incurred by today’s university students over the duration of their studies will amount to £51,000. This figure comes as those in higher education saw the interest rate on student loans rise to 6.3% in September. Total student debt in the UK has now risen

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Make sure you don’t lose out by shunning guaranteed annuities

Since increased pensions freedoms were established in April 2015, the FCA says that £3 billion worth of annuities have been rejected by over 55s. Now, nearly three in five over 55s are refusing the guaranteed annuity rate (GAR) offered to them by their pension provider. Of these, nine out of ten are taking the cash

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