In this update: Why are mortgage lenders withdrawing their mortgage deals? Why did the Bank of England buy £65 billion worth of government bonds? Why has sterling weakened? How should investors respond? This month’s Thinkpiece takes on a different perspective, in response to the recent events...
Here is our summary of the key points from the government's Mini Budget. Income tax Earnings and savings - The additional rate of tax of 45% (39.35% for dividends) on income in excess of £150,000 is to be abolished from 6 April 2023. This means that...
In this update: Ben Graham's timeless reminders Fluctuations Investor vs Speculator Market Amnesia Opportunity Take a long term view Ben Graham's timeless reminders Ben Graham, Warren Buffett's early mentor, wrote the Intelligent Investor in 1949. Whilst society has undergone unimaginable evolution since that time, the principles espoused...
In this update: Your response to difficult markets Margin of Safety Opportunity Take a long term view Your Response to difficult markets As the financial difficulties deepen within global economies, which I have previously written about in other updates, we find ourselves tested - private individuals, governments,...
In this update: Financial Success Corrections Bull and Bear Markets Volatility Inflation Remember your objectives Market Timing How successful investors respond Financial Success Financial and investing success are behavioural. Understanding your reaction to events, not the events themselves, is essential. How you respond during different market events, is...
The main surprises in the Spring Statement related to the increase in the National Insurance Primary Threshold (employees) and Lower Profits Limit (self-employed) to £12,570 from July this year, and the plan to reduce basic rate income tax to 19% in 2024. We have summarised...
In this update: Recent events Remember your objectives Market Timing How successful investors respond The events of recent days are clearly tragic and devastating for the lives of everyday people who are affected. I always think that at times like this, we see the best and...
At times like this, with events seemingly ever more volatile around the world, including our own domestic affairs, I always remember that markets always come through such times. ….but it doesn’t seem like it at the time. Compounding is hard because a bad month can feel longer...
If it escaped your attention that investment markets have been volatile over the past few weeks, then congratulations to you…..one of the key attributes of a successful investor, and retaining one’s financial independence, is not to look at your investments too often. If you’ve set...
In this update: Market Ups and Downs … Quality not Quantity Welcome to this financial planning update. Here we share some views on various topical points relating to financial planning. Market Ups and Downs … The most dangerous words when investing are ‘It’s different this time…..’. Whilst the...