Bringing Ethics into Investment

Ethically influenced purchasing decisions are now firmly established as part of everyday life.  The use of labels such as ‘fair trade’, ‘organic’, ‘ethically traded’, ‘recycled’, ‘sustainable’ and ‘low carbon emissions’ is on the increase, as both businesses and individuals recognise their benefits. The recent financial crisis has added to this by putting the spotlight on […]


Is your existing investment portfolio right for you?

Most people already have an investment portfolio, which by definition, is a collection of assets that intends to make a profit. However, many people struggle to answer a simple question.  Is their existing investment portfolio right for them?   To help you answer this, it’s worth considering these questions: Do you… •Clearly understand your financial […]


Effects of dying without a Will altered

The way your wealth is distributed if you die without a Will is changing on 1 October 2014. 1) Childless married couples and civil partners Until 30 September 2014 A surviving husband, wife or civil partner inherits the first £450,000. If the deceased is survived by parents, the spouse or civil partner keeps a life […]


Quick Recap of Current ISA Rules

Individual Savings Accounts (ISAs) entered a new phase from 1 July 2014.  Previously, ISA contributions for the 2014/15 tax year are capped at £11,880.  The entire amount could be invested in a stocks & shares ISA, or up to £5,940 could be saved into a Cash ISA. However, from 1 July 2014, the ‘New ISA’ […]


Auto-enrolment – more onerous than you thought?

For many large employers across the UK, implementing a Auto-enrolment was just the start and many firms who opted to take care of the ongoing requirements themselves, are now finding out just how onerous it is. Auto-enrolment is not a one off requirement and firms have many responsibilities to perform each and every month. However, […]


Budget Blog

There has been a veritable plethora of Budget commentaries outlining the actual and proposed changes to pensions announced earlier this week so I thought I’d toss my hat into the ring. I’m not too sure this will work terribly well.  Certainly it was not good that many people approaching retirement would unknowingly buy their pension […]


ISA Transfers – handle with care

Sometimes, having owned your Individual Savings Account (ISA) for a few years, you might notice that the underlying investments no longer give you what you need. Alternatively, you might wish to switch to another provider with a wider choice of funds because your circumstances have changed. Many like the benefit of being able to access […]


What is a Corporate Bond?

Corporate bonds are loans issued by companies and funded by investors. In exchange for your capital, companies agree to pay fixed interest payments at regular intervals and to repay the capital at a specified future date. This fixed nature of payments makes corporate bonds particularly attractive for investors looking to supplement existing income. The corporate […]


There’s always an excuse not to save for your retirement

But despite the financial pressures, there are measures that can help with pension planning at every stage of life. The 30s – Here the focus is typically on establishing a career, buying a property and starting a family. Debt racked up as a student is likely to remain a factor. But any saving now benefits […]


Neil Woodford leaves Invesco Perpetual

Neil Woodford, Britain’s best known fund manager, who controls £30bn of savings, is to leave his flagship funds. Who is he and why does he matter? Neil Woodford is probably Britain’s best known and most successful fund manager. He runs a total of around £30bn of British savings – more than vast numbers of his […]