4 ways to make your money go further

Posted by siteadmin on Friday 2nd of February 2018

January is a month that often feels twice as long in financial terms after the extravagances of Christmas and New Year, but just because we’ve reached February and your bank balance is finally looking a bit healthier doesn’t mean giving up all those thrifty habits you’ve adopted at the start of the year. It’s far better to capitalise on your good financial habits by adopting a few more and helping your money to go even further. Here are four simple but effective ways you might do just that:

1.   Try online grocery shopping – There are sever...

Striking the work/life balance

Posted by siteadmin on Friday 2nd of February 2018

Two of the biggest concerns faced by workers when they reach their 50s and 60s are those of achieving job satisfaction and a work/life balance. Recent studies have offered fresh insight into the reasons behind these issues and the best ways to tackle them.

One study conducted by economists at the University of Southern California and California State University explored how work/life balance issues affected those aged between 51 and 79. 14% of women in this age bracket who retired earlier than they intended to did so because they had to car...

February Market Commentary

Posted by siteadmin on Friday 2nd of February 2018

The first month of 2018 was a good one for the major stock markets which we cover in this Bulletin. We report on 12 markets and 11 of them made gains in January – in some cases, spectacular gains, which many investors would regard as more than adequate for a full year. But sitting alone on the naughty step was the UK: as we shall see below there was plenty of good news for the UK in the month but, dogged by uncertainties over Brexit, continuing doubts about Theresa May and the collapse of Carillion, the FTSE fell 2% in the month.

Why did gl...

5 key financial changes to watch out for in 2018

Posted by siteadmin on Thursday 11th of January 2018

As with any new year, there are a number of financial changes coming up in 2018 which are likely to impact on your monthly budget and long-term saving goals. Let’s have a look at five of the most significant and what they’re likely to mean for you over the next twelve months.

  • Automatic enrolment contributions are set to increase – If you’re enrolled in a workplace pension scheme and making the minimum contribution, that will currently be 0.8% of your salary. However, from April 2018 the figure will treble to 2.4%. To avoid the increase yo...

January Market Commentary

Posted by siteadmin on Thursday 11th of January 2018

Another year seems to have flown by in the space of about five months. December, in particular, seemed to go past in a blur!

It was, however, the month when some progress was – finally – made in the Brexit negotiations. It was also the month when Scotland used its tax-raising powers to increase income tax, when Germany worried about Chinese spies using fake LinkedIn profiles and when yet more sanctions were heaped on the North Korean regime – which were predictably condemned as an ‘act of war’.

Half of the major stock markets we cover in t...

What makes a resolution easier to keep?

Posted by siteadmin on Thursday 11th of January 2018

The start of a new year brings with it many things, not least the tradition of setting resolutions in order to start the next twelve months off as you mean to go on. But as many people who’ve made new year’s resolutions will know, the intention of resolving to do or not do something is quite different to actually following through and making it a reality – and that’s true no matter what time of year you do it.

So, what can you do to make it more likely that you’ll reach the goals you’ve set yourself? Research suggests that the best way to e...

The Family Wealth Discussion

Posted by siteadmin on Wednesday 13th of December 2017

Does your family talk about its wealth?

It is a simple enough concept but it is more important than it may first appear. Many people can put off this conversation as it can often cause discomfort and even contention within their family and, very often, how even to bring up the subject can be a sticking point too. A conversation about family wealth leads into discussing the estate and what will happen to this estate once the elderly generation is no longer around to take care of it.

Starting the conversation can be easier and simpler than m...

5 New Year Tips for Millennials

Posted by siteadmin on Wednesday 13th of December 2017

Whether or not you’re the kind of person who sees the start of January as the time to set yourself resolutions and stick to them, the period after the excesses of Christmas and New Year is arguably one of the best times to actively get your finances into shape. Here are five great money-related resolutions it’s definitely worth committing to in order to make 2018 the year you take control of your money.

  1. Start a budget – The secret to financial security isn’t making lots of money, but sensibly managing the money you have. A budget is the b...

December Market Commentary

Posted by siteadmin on Wednesday 13th of December 2017

November was a relatively disappointing month for world stock markets, with the majority of the markets we cover in this commentary losing ground in the month: however, the largest fall was just 3% so there were no real disasters. Pride of place went to the Dow Jones index in the US, which was up by 4% in the month as the President toured the Far East, intent on doing ever more trade deals.

The big event in the UK was Philip Hammond’s first Autumn Budget, but of rather more long-term significance might have been the launch of yet another mi...

November Market Commentary

Posted by siteadmin on Thursday 9th of November 2017

What’s the saying? ‘Close, but no cigar’. That’s how it was in October as all but two of the markets we cover rose in the month. Brazil’s market did manage to stagger up by just 14 points, meaning it was unchanged in percentage terms, but the Russian stock market let the side down, falling back by 1% in October.

While the stock markets were having a good month, the Brexit talks were having – another – stagnant month. Having been to Florence in late September, Mrs May then went and pressed the flesh in Brussels, but the warm words soon gave ...