29 Apr Thinkpiece
In this update: Patience Patience One of the most challenging elements of investing is having to remain patient in difficult circumstances. If you can keep your head when all about you Are losing theirs and blaming it on you...
News
16 Mar Spring Budget
Yesterday's Spring Budget included pension measures that went further than recent rumours suggested, when Jeremy Hunt announced the abolition of the pensions Lifetime Allowance alongside increases to the Annual Allowance, Money Purchase Annual Allowance and the Adjusted Income limit and minimum level for the Tapered...
01 Feb Thinkpiece
In this update: Perspective Perspective An extremely important principle is the different points of view you get when you change your level of magnification. You can look at something with a microscope and see it a certain way, you can look at something with your eyesight...
23 Dec Thinkpiece
In this update: 2022 in perspective Your financial planning journey 2022 in perspective As I've previously written, markets correct once a year (a fall of more than 10%, but not more than 20%), but the majority of the time these falls are fleeting. Every year, at some...
02 Dec Thinkpiece
In this update: Patience Patience A great deal of time and energy is given to take action in some spheres of financial planning and portfolio management, in a rush to 'fix' the current situation, namely the likely fall in one's net worth during turbulent times. We can...
18 Nov Autumn Statement 2022
The Chancellor’s Autumn Statement, given on 17 November 2022, included a number of tax measures aimed at improving the government’s finances – although there were no increases to the main rates of tax, reductions to various tax bands and allowances were announced and an extension...
03 Oct Thinkpiece
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...
26 Sep Mini Budget 2022
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...
01 Sep Thinkpiece
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...
01 Aug Thinkpiece
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,...