Last week was very busy with many trading opportunities for nimble traders. The Fed and ECB decisions were expected, but markets acted surprised. Trump’s escalating trade wars and the Emerging Markets rout added more confusion to a stressed market. Here is a summary to start your week. M&A Activity Something that has been absent in … More Whats up This Week
We had an eventful week, and we cannot stop talking about how the geopolitical situation plays out over the summer months. The G-7 headlines are just coming out, and it looks like nothing has been agreed. Markets will have plenty of news flow to blame for the rising volatility. Fortress America Strong US unemployment … More Whats up This Week?
There’s no doubting that pension schemes have grown significantly in recent years. Attempts made by companies to stem the growth of pension liabilities by closing defined benefit schemes to new staff have had little, if any impact. The affect of higher life expectancy, low gilt yields, and other economic factors have contributed to the spiraling … More The Top 10 Largest Pension Liabilities
There are few more entrenched articles of faith in personal finance than the huge value of final salary pensions and the folly of cashing them in. The security of a guaranteed income, usually inflation-linked, for your life (or your spouse’s), with all the investment risk and administrative hassle taken care of by your former employer, … More If a former pensions minister cashes in her final salary plans, perhaps you should too
Hands up, how many of us have made new years resolutions this year? Eat healthier? Become more organised? Save more? Statistics say that 44% of us started 2016 with a financial new years resolution, and statistically 22nd January (aka Fail Friday), was the day that most of these resolutions had already fallen by the wayside. Of … More 6 Financial Resolutions for the New Year
When speaking to clients about their life insurance needs, the response I often get is ‘I don’t need that, my company provides life insurance for me’. This may indeed be true, but when asked about the level of cover in place, most people cannot give an answer. Death in Service The majority of employers in … More I Don’t Need Life Insurance, My Company Provides That!
What is Risk Diversification? We have all heard of the term ‘putting all of your eggs in one basket’ and we are warned of the dangers of doing so. When it comes to investing money, this rule is no different. In a nutshell, risk diversification is ensuring all of your financial assets are not in … More The Benefits of Risk Diversification
For those of you with a defined benefit/final salary pension in the UK, even non-UK nationals, there has never been a more important time in which to review its value, benefits, and the schemes overall health. I have highlighted below the key reasons why you should put a pension review at the top of your … More Why The Best Time to Review your Pension is NOW
People aged 50 and under are fated to receive lower pensions than their older counterparts, research shows, amid fears that impending cuts to tax relief on pensions will worsen inequality between the generations. According to calculations carried out for Telegraph Money by Hargreaves Lansdown, people in their 60s and 70s have received tax relief at … More A Bleak Future for Younger Pension Savers
I’m too young (honest) to remember the good old days of banking, where everyone knew their bank manager and applying for a mortgage was as simple as asking him if he would be happy for the bank to lend you the cash. Those days are well and truly gone, nowadays applying for a mortgage is … More 5 Tips for UAE Mortgages