Month: October 2016

October Market Commentary

Introduction September was the month when nothing much happened on the world’s stock markets. Three of the 11 major markets on which we report were up, three were unchanged and five were down – but none of them by very much. The UK led the way, albeit only up 2%, while Japan and China were […]

Would you be happy renting in retirement?

A major goal for many during their retirement will be to enjoy their home after finishing paying off their mortgage. Depending on when you purchased your house however, and with house prices seeing a rise of 30% in the past decade, owning outright is becoming more difficult to achieve for some. Renting during retirement is […]

You have a financial plan, but do you have a financial plan b?

“The best laid schemes o’ mice an’ men, gang aft agley”. So said Robert Burns in his poem ‘To a Mouse’, lyrically summing up the idea that no matter how well we prepare, there are always factors beyond our control that can cause our ‘best laid’ plans to unravel. Whilst the same can be said […]

Earning over £150,000? You need to review your pension. Here’s why.

If your annual income is above £150,000, then your pension allowance has been subject to tapering since April this year. For every £2 of income over £150,000, your £40,000 annual allowance is reduced by £1, with the reduction rounded down to the nearest whole pound if necessary. Reductions are capped at £30,000, meaning that those […]