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February Market Commentary

Introduction The story of the US/China trade dispute was a thread running through much of last year. Some progress was made in resolving the dispute at December’s G20 summit and that appeared to continue in January with China saying it is ‘ready to work’ with the US. Donald Trump confirmed this, describing a telephone conversation […]

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May Market Commentary

Introduction It looked for a long time that the main headline for this commentary would be the opening salvos in a trade war between China and the USA. The International Monetary Fund published a bullish report on world trade, saying that global growth will hit a 7 year high of 3.9% this year – giving […]

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State of the UK Housing Market – October 2014

Greater caution appears to be being exercised across the UK housing market as house price momentum slowed to the same level it was 16 months ago, according to the latest Royal Institute of Chartered Surveyors (RICS) Residential Market Survey. Nationally, new buyer demand slipped for the third consecutive month and in London, caution took a […]

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Tax free saving with an ISA or pension

Many of our clients will be aware of the tax advantages that can come from using an ISA or a pension to save for your future. If you are not currently a client however, or are unfamiliar with the tax benefits available, then it is worth briefly recapping just what you could be missing out […]

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November Market Commentary

In all the time we’ve been writing these market commentaries it’s difficult to remember a more turbulent month than October 2014. Throughout the summer we have been writing about events in the Ukraine and the worries that conflict posed for Europe. Fortunately we now have a ceasefire in the region – and Russia and the […]

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Where Bitcoins go, the Taxman follows

Bitcoin, known now as a ‘cryptocurrency’, is seen as the world’s first decentralised digital currency. Cryptocurrencies have a unique identity and HMRC states that they cannot therefore be directly compared to any other form of investment activity or payment mechanism. Determining their legal and regulatory status is ongoing. HMRC understands that Bitcoin operates via a […]

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The Scottish Referendum: The Results and its Implications

It was a once-in-a-lifetime chance for independence. It was a leap in the dark that would end 300 years of union and cooperation. Younger voters would overwhelmingly vote Yes. Women voters were swinging back to No. The Twitter trends map showed a clear majority for #YesScotland. The bookmakers were convinced it would be a No. […]

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Important pension notice: 55% ‘death tax’ abolished

Ahead of the major pension changes already announced for April 2015, the Chancellor, George Osborne, this week announced another shift in pension policy that could have a big impact on many savers and their financial planning requirements. Speaking at the Conservative Party’s Annual Conference, Mr Osborne announced the abolition of a so-called ‘death tax’, which […]

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October Market Commentary

Throughout the summer this bulletin has been focused on events in the Ukraine, now we have an admittedly uneasy truce in the region and the focus of the world’s discontent has moved elsewhere. At time of writing, pro-democracy protesters are occupying the streets of Hong Kong and a coalition of 40 countries is in the […]

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Over-55s failing to include family when it comes to planning for retirement

Millions of over-55s are failing to include their family in important decisions about their retirement income with potentially devastating consequences. The Spring 2014 edition of Aviva’s Real Retirement Report explores the views of those from three distinctive stages of retirement – pre-retiree (aged 55-64 years), retiring (aged 65-74 years) and long-term retired (aged over-75 years). […]

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