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October market commentary

market
Introduction On Tuesday, 3rd November 2020 the United States will go to the polls to elect its next President. All the indications are that Donald Trump will stand for a second term and if the words of Bill Clinton – “It’s the economy, stupid” – are to be believed, he will win. While not wanting

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10 years on from Lehman: what have we learned?

The financial crash after the Lehman Brothers collapse saw the biggest global monetary crisis since the end of WW2. It led to a lost economic decade for many – average incomes in the UK still languish far behind their 2008 peak. 15 September 2008, the fall of Lehman sent shockwaves around the world. It was

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September market briefing

market
September has a reputation for being the worst month for investing, something the figures confirm. Since 1950, the Dow Jones has declined by an average of 0.8% in September and similar results can be seen across a range of stock indexes. There are many theories to why this is the case, none of which offer

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3 out of 4 UK businesses are burdened by compliance

According to recent figures, 75% of British businesses feel weighed down by the burden of tax administration and compliance. It is believed that this has increased considerably in recent years, with some people describing the tax system as positively Byzantine. While the introduction of new tax reliefs and tax breaks has been welcome, the amount

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Funding care home costs with a care home ISA

If you’re under 60, funding your future care might not be top of your agenda. Garden improvements, good restaurants and holidays probably rank slightly higher, as well as saving for your pension if you’ve not yet retired. However, the government could be proposing a new ISA in order to encourage people to start saving for

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How to stop children derailing your retirement plans

The Bank of Mum and Dad is a well-known concept and we all hate to see our children struggle financially, which is why many parents continue to support their children well into adulthood. Instead of being ‘empty nesters’, many parents discover that their offspring return to the family home straight after university (that is if

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September market commentary

market
Introduction August used to be known as the ‘silly season’. Everyone who made the news was away on holiday, nothing happened and newspapers were desperate to fill their pages. So rather more obscure stories made it into print… That, of course, was before Donald Trump. And Brexit. And Venezuela, Argentina and Greece. And… In short,

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Are children’s pensions as good as they seem?

Pensions for children? Surely that’s taking planning ahead to a whole new level? Nonetheless, if you can afford it, putting money aside in to a pension for your children or grandchildren can be a sensible option. Under the current rules, you can put £2,880 a year into a junior self-invested personal pension (SIPP) or stakeholder

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Financial planning in your forties

It’s well known life begins at forty. Doesn’t it? It should be an exciting decade, full of plans and aspirations. It’s also likely to be a time of optimum earning potential. What’s more, it’s a crucial decade to take a step back and make sure your finances are on track to meet your goals. There’ll

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The end of LISA?

The new girl on the block, in terms of saving products, seems like she may not actually be around for much longer. LISA, or the lifetime ISA, is being threatened with abolition by a Treasury committee, having only been on the market for 16 months. The LISA allows those aged between 18 and 50 to

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