Month: January 2015

January Market Commentary

Traditionally, December is a ‘slow news’ month. Like August, the great and the good spend a large part of the month on holiday and world events supposedly move slowly, if at all. Not so in 2014 – There was the Autumn Statement in the UK, the tumbling world oil price, the gloom over the Eurozone, […]

New ‘Pensioner Bonds’ ready for January launch

Originally announced during The Chancellor’s Budget speech in March 2014, January 2015 will finally see the launch of the new so-called ‘pensioner bonds’. The rates for the bonds, announced only recently, will see them leading the bond marketplace, with the one-year bond offering 2.80% gross/AER and the three-year bond promising 4.00% gross/AER. The bond’s informal […]

CML welcomes stamp duty reform

The Council of Mortgage Lenders (CML) welcomed the announcement by the Chancellor in the Autumn Statement of the reform of stamp duty land tax away from the current slab structure to a marginal system. The CML states that it has long argued for such a reform. CML Director General, Paul Smee, commented: “This fundamental reform […]

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Quick tips on financial planning for thirty-something professionals

After age 30 it is probable that financial planning will be upped one or two gears and become a far more intense matter. It is worth reflecting how things have changed over the past few generations; more and more people are going to universities, families are having children later, are buying property (and by definition […]