Money Matters

The latest editions of our newly branded Money Matters guides are now available to download below.
Providing topical commentary on all aspects of financial planning, these guides are intended to bring a few important, topical, issues to your attention


This month they include our latest issue of Money Matters Sept/Oct, a Guide to Asset Allocation, plus informative guides on Protection Planning, and Self-Invested Personal Pensions (SIPPs).

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For most people over the age of 55, it is now possible to cash in or unlock all of your pension. How you take these benefits will depend on the type of scheme you have and how you want to take benefits. We consider the concerns that have been raised that some savers may risk running out of cash if they siphon too much out of their pension pots.
Understanding investment risk and determining what level of risk you feel comfortable with before you invest is an important part of the investment decision process. Your potential returns available from different kinds of investment, and the risks involved, change over time as a result of economic, political and regulatory developments, as well as a host of other factors.
We understand that peace of mind for the future is essential. You’ve worked hard to build and grow your wealth; it’s only natural to put in place measures to protect it. But unforeseen life events and circumstances can potentially impact your finances in a number of ways. We can help you to safeguard your wealth today and for future generations and organise it to support your needs and goals.
It is essential that you start to plan for your retirement as early as possible so that you are able to live comfortably in the knowledge that your lifestyle needs are covered. This will mean careful consideration of your pension fund throughout your working life.
Hello and welcome to our latest issue. The summer edition brings you an array of insightful articles covering everything you need to help plan your finances, both before, during and after retirement. Have you ever thought about writing a letter to yourself to describe your ideal future life, long-term life goals and the process of how to plan for them?
Welcome to our Guide to Investing. It might seem complicated – and it isn’t for everyone – but investing can make your money work a lot harder. Whatever stage of life you’ve reached andwhatever plans you may have for the future, you want your money to earn the best return possible without taking undue risk. That’s why it’s important to invest in a way that’s right for you and that will meet your goals.
Did you know you can transfer your Individual Savings Account (ISA) from one provider to another at any time? Transferring your ISA to another provider is easy and could boost the funds in your tax-efficient account – but it has to be done right. If you have accumulated a number of ISAs over the years, keeping them all in one place could give you better control and help you save money.
When we die, we like to imagine that we can pass on our assets to our loved ones so that they can benefit from them. In order for them to benefit fully from your assets, it is important to consider the impact of Inheritance Tax.
Fraudsters are getting more deceitful and ever more successful. Pension and investment scams are on the increase in the UK. Everyday fraudsters are using sophisticated ways to part savers from their money, and the Internet and advances in digital communications mean these kinds of scams are getting more common and harder to identify. A lifetime’s savings can be lost in moments.

PLEASE NOTE:
The contents of these guides are for your general information and use only and is not intended to address your particular requirements. The content should not be relied upon in its entirety and shall not be deemed to be, or constitute, advice. Although endeavours have been made to provide accurate and timely information, there can be no guarantee that such information is accurate as of the date it is received or that it will continue to be accurate in the future. No individual or company should act upon such information without receiving appropriate professional advice after a thorough examination of their particular situation. We cannot accept responsibility for any loss as a result of acts or omissions taken in respect of the content. Thresholds, percentage rates and tax legislation may change in subsequent Finance Acts. Levels and bases of, and reliefs from, taxation are subject to change, and their value depends on the individual circumstances of the investor. The value of your investments can go down as well as up, and you may get back less than you invested.

Personal Finance

Royal Bank of Scotland apologised for outages that hit its online and mobile banking services on Friday, the latest in a string of such failings at British banks which have drawn criticism from customers and members of parliament.
Support in Britain for increased levels of tax to fund more public spending has hit a 15-year high, according to a survey published on Friday, after nearly a decade of government efforts to cut its budget deficits.
British inflation jumped unexpectedly to a six-month high in August, pushed up by bigger-than-usual seasonal increases in sea and air fares and briefly sending sterling above $1.32 for the first time since July.
Britain's government will invest 2 billion pounds to address an affordable housing shortage, Prime Minister Theresa May will say on Wednesday.
British consumer spending grew over the three months to August at the fastest pace since January, chiming with other signs the economy has picked up some steam in mid-2018, a survey from payments firm Visa showed on Monday.