Why real returns are crucial for re...


Interest rates can be expressed in two ways, as nominal rates or real rates. The difference is that the nominal rate of return is the percentage change, whereas the real rate of return is the percentage change adjusted for changes in prices due to inflation or other external factors. This keeps the purchasing power of … Continue reading Why real returns are crucial for retirement planning

How to make sure your wealth is pas...


Often, HMRC becomes an additional beneficiary of your Will due to a lack of financial planning when organizing how your wealth is set up. For those with significant assets, this is an avoidable tax where your loved ones can be the true beneficiaries of your estate. Part of your estate can be passed on tax … Continue reading How to make sure your wealth is passed on to your family

The Effect of Expected Interest Rat...

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After the Brexit vote in 2016, the Bank of England reduced its benchmark Bank Rate to 0.25%. This was decided upon by the Monetary Policy Committee (MPC) to limit the risk of the recession resulting from the decision to leave the EU. On the 2nd November 2017, we witnessed the first Bank Rate increase in … Continue reading The Effect of Expected Interest Rate Increases on Defined Benefit Pension Transfer Values

Toys ‘R’ Us closing dow...

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Traditionally, bricks and mortar retail stores have been synonymous with the way we choose to shop. However, as E-Commerce rises in popularity, there is growing uncertainty over what the high street will look like; let’s say in the next ten years or so. The bitter truth is, the future looks bleak for the high street … Continue reading Toys ‘R’ Us closing down. How is Online Commerce Killing the High Street?

The £210bn Two-Thirds Pensions Tim...


The retirement plans of millions of workers in the UK are going into turmoil because of the existing deficits in two-thirds of the pensions schemes. Of the 5,588 pension schemes that the Pension Protection Fund (PPF) monitors, there exists deficits in 3,710 of these schemes. This report by the PPF at the end of 2017, … Continue reading The £210bn Two-Thirds Pensions Time Bomb: Worrying Times Ahead for Retirees

Trends to Watch in Global Wealth Ma...


In 2018, just like it has been in the past years, changes and trends in wealth management will be inevitable. Amongst the trends that wealth managers should prepare themselves for includes changes in regulations, intergenerational changes in property ownership and innovation. Then, there is the impending issue of Common Reporting Standards (CRS) and Markets in … Continue reading Trends to Watch in Global Wealth Management in 2018

Are You Fully Aware of the Tax Impl...


Back in 2015, the government introduced the pension freedoms act. Research by Old Mutual has shown that in the first two months, a staggering £72.8m in tax was generated due to these freedoms. This is equivalent to an annual tax boost of nearly half a billion pounds, significantly higher than expected. It was originally feared … Continue reading Are You Fully Aware of the Tax Implications on Your UK Pension?

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