Buy To Let – Is It Still Worth It?

You may have noticed that Chancellor George has been very busy lately on his mission to raise taxes. The obvious one for our clients in the NHS Pension Scheme has been the lowering of the limit on the Lifetime Allowance (LTA). It has reduced from £1.8m in 2006 to £1m this April! This means that […]

Fund Managers Show Their True Colours!

We have written often about the failing of the banks to truly look after their clients who invest with them. Scandal after scandal has appeared in the press and it was no surprise to hear that last year Barclays sacked Anthony Jenkins who was brought in in the summer of 2012 following the departure of […]

Should You Sell After A Stock Market ‘Correction’?

The FTSE 100 – or the Footsie, as you will sometimes see it written and pronounced – is an index that measures the performance of the shares of the 100 largest companies listed on the London Stock Exchange, sometimes refered to as the LSE. It measures the daily share price performance of those 100 firms. […]

Financial Services Compensation Scheme Changes, What Are They? – Hot Topics Q & A

Q. I’ve heard that The Financial Services Compensation Scheme (FSCS) has just announced two important changes to the protection it gives you on cash savings that you hold in any bank or building society accounts covered by the scheme. What are the details please? A. Yes, you’re spot on! From 1 January 2016, the FSCS will compensate you for […]

Your Investments – Do They Beat The Market?

Your first reaction to this question of course is perhaps ‘I don’t know’. Equally, we’re aware that a minority of doctors & dentists do enjoy investing their money themselves, study the markets and can answer within a decimal point! Looking at this as financial planners, however, we would always point out that our clients are […]

NS&I Pensioner Bonds, Are They Worth It? – Hot Topics Q & A

Q. I’ve heard that National Savings & Investments have released the details of their Pensioners’ Bond. Can you please clarify the details? A. That’s right, the initial announcement was made in the 2014 budget in March and the details have now been released. They are available for those aged over 65 and will offer an expected guaranteed return […]

The New NS&I Pensioner Bond – Hot Topics Q&A

Q. As a couple in our 70s, we are fed up getting so little interest on our cash deposits! So the recent announcement of new pensioner bonds available in the new year seems to be great news. Are the details due out soon? A. We certainly understand your frustration which is shared by many savers, particularly those in retirement. […]

Investing With My Bank – Yes or No?

Q. I have noticed in the press that having largely withdrawn from providing financial advice recently, banks are said to be ready to advise on investments again. My own experience with my bank was poor, but does this return mean they are now a valid option? A. There is no doubt that banks are returning […]

Investing Your Money – The 3 Components Of Risk

From time to time there are various surveys released on the subject of investments and risk by different companies, and we were interested to see one last year by insurance giant Zurich. It was particularly worth studying as the Financial Conduct Authority (FCA) have for a while now put investment risks at the top of […]