Contact us: 01799 543222

Blog

The generational gap in savings

A new report by Scottish Widows (SW) has found that savings habits among younger people are rather lacking when compared with older generations.  14% of people aged 20-29 are not saving any money, whereas 20% are saving between 0-6% of their wages and 26% are saving between 6-12%. That leaves only 40% of people between

more

 

 

Find the right investment for you

In the wake of the Woodford debacle, there’s a lot of buzz around investments and the rationale for choosing them. So we thought it would be useful to outline what you should be thinking about when it comes to choosing an investment to enable you to get the best outcomes for your money.  Review your goals

more

 

 

IR35 reforms: what you need to know

Changes to  IR35 legislation are coming into effect in April 2020. IR35 legislation is designed to target “disguised employment” between firms and freelancers. This is where a company hires freelancers and contractors to undertake work, yet they are effectively employees of the company. It also affects freelancers who operate as sole traders or limited companies.

more

 

 

August Market Commentary

market
Gold hit a six-year high as nervous investors looked for alternatives to stock markets. The IMF cut global growth forecasts amid continuing trade tensions. In any normal month these would have been perfectly normal introduction, but July was not a normal month. With Boris Johnson becoming UK Prime Minister and sweeping into 10 Downing Street

more

 

 

Ethical investments: what shade of green are you?

Light green, dark green – there’s a whole range of shades when it comes to ethical investment opportunities. If you want to invest your money in line with your moral compass, then ethical investment funds or ‘green funds’ are suited to you. There are a few types to choose from; let’s check them out…  Dark

more

 

 

Facebook to launch new currency

Is this a megalomaniac move by Zuckerberg or a futuristic step into a brave new tomorrow?  Social media titan Facebook has unveiled plans to launch a new digital currency by the name of Libra, with their eyes set on a 2020 release. The company says that consumers will be able to make payments with the

more

 

 

Making Tax Digital: are you onboard?

A survey of small to medium-sized businesses, conducted by the Independent, has found that 11% of UK companies are unaware of new ‘making tax digital’ requirements. As of 1st April, more than one million firms with annual taxable income over £85,000 are now required by law to submit VAT returns online. The same rules will

more

 

 

What is a green mortgage?

Back in 2017, the UK government published their Clean Growth Strategy, a report that included plans to work with lenders in order to create “green mortgage products,” that are able to “take account of the lower lending risk associated with more efficient properties and the reduced outgoings for customers living in more efficient homes.” More

more

 

 

July Market Commentary

market
Introduction Many of you will know the old stock market adage: ‘Sell in May and go away, and come on back on St. Leger’s Day.’  The theory was that with everyone out of London for the summer season there was little business to be done and the stock market drifted lower. These days, of course,

more

 

 

Neil Woodford and the lessons it tells us

If you read the financial press, this is big news. ‘Star fund manager’, Neil Woodford, stopped investors withdrawing money out of his Woodford Equity Income Fund on 4th June, after the sum total of investment withdrawn from the fund reached a staggering £560m in less than four weeks. Kent County Council wanted to withdraw a

more