Month: April 2013

The information contained within, including references to taxation, legislation, regulation, or any other issues or concerns may no longer apply. This information is pre-published.

Surveying the land…

At Clarus Wealth, we understand our limitations and therefore the need to employ experts in fields which complement our service. We do not see this as a weakness, but a strength. One of our aims is to ensure that we are able to provide you with the tools to make a decision from a position […]

April Market Commentary

When I started making notes for this Bulletin at the beginning of March it was quite clear what the main ‘story’ was going to be. On March 20th Chancellor of the Exchequer, George Osborne, would deliver his Budget – and with the UK in very real danger of slipping into a ‘triple-dip’ recession and the […]

The Budget Summary 2013

Introduction To say that George Osborne faced a difficult task when he stood up to deliver his Budget speech on 20th March was one of the year’s major understatements. Both economically and politically, the backdrop to his Budget was bleak, particularly with an increase of 48,000 in youth unemployment announced barely three hours before he […]


Five steps to a successful ISA transfer

This is the season to check that you are making the best of your tax free Cash ISA opportunities. There is very little time left to check that you have used your 2012-2013 allowance and it is the first opportunity to invest your 2013–2014 allowance in April. It is also a good time to check […]

Financial Planning and Divorce

No-one who is going through a divorce finds the process easy: it’s long, messy and almost always painful. Even if there are no children involved, divorce is a procedure that takes its toll on both sides: the acrimony, the paperwork – and the inevitable meetings with your solicitor. It’s understandable that many people involved in […]

Britons are not investing adequately for their retirement

The findings in a global study and report, ’The Future of Retirement: A New Reality’ recently produced by HSBC, tell us that the average Briton will have a savings pot that is only adequate for the first seven years after they stop working. Because their average post-working life expectancy is now 19 years, there will be an […]

Don’t Fall into the Inflation Trap as you get Older

Earlier this month, the Office for National Statistics updated the ‘national shopping basket’ – the national basket of goods that the ONS uses to monitor rising prices. The big news for the headline writers was that ‘Champagne was out; e-books were in,’ as a nation struggling with the recession stopped celebrating and started reading books […]