Newsletters

Our latest editions of Money Matters newsletters are now available to download below.
Providing topical commentary on all aspects of financial planning, these newsletters 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  Income Investing plus informative guides on Protection Matter, and Family Succession Planning.

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Welcome to our latest issue. Will you be one of the six million workers who will have to work an extra year before retiring after the Government announced that it would be extending the retirement age to 68?
Investing for income means choosing assets that are able to provide you with a regular income. This is in contrast to investing for growth, which focuses on how much your assets could gain in value. In our Guide to Income Investing, we consider the main investment asset classes that are used to generate a regular income.
Welcome to Guide to Protection Matters. Ensuring that you have adequate financial protection for you, your family and any dependants is an important element of financial planning. As a healthy working person with a good income, you may feel reasonably confident that you are able to provide for your family. However, your finances could be more precarious than you think.
Family succession planning is a journey that should commence the day you start your business, but often only commences with a trigger – in other words, something that has initiated the decision to start the succession process. It may be one of the most challenging experiences facing any business leader, especially an entrepreneurial business person who has built a family business from scratch, so it is crucial to get right.

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

LONDON (Reuters) - Britain's rock-bottom household savings problem, which has raised fears about unsustainable debt-fuelled spending, might not be quite so acute after all, according to the country's statistics office.
LONDON (Reuters) - Britain's competitions watchdog will look into the advice given by consultants to pension schemes and other institutions managing over 1.6 trillion pounds of funds, to see if there are conflicts of interest, it said on Thursday.
BRUSSELS (Reuters) - The European Union's plans to tighten up its oversight of financial firms have come under attack from industry and consumer groups that fear the move could hit businesses without doing enough to prevent misselling of risky funds.
LONDON (Reuters) - Pay growth across British companies remains subdued and investment intentions among British services firms weakened further in the last quarter, a Bank of England survey of businesses showed on Wednesday.
((This version of the September 20 story corrects paragraph 6 on likelihood of flat Q3 retail sales, after ONS corrects estimate given to media))