Adding India to your ISA now could help you save for decades

Mentioning demographics when one talks about India almost seems redundant – so obvious an advantage does that country have. Yet with a population of around 1.3 billion; a growing, youthful workforce; and a swelling middle class, it’s also impossible not to highlight the long-term potential. UK equity funds form the core of most people’s ISA […]

21 March 2017 by Darius McDermott

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The signs are there for the end of the expansion but they are not very strong

No-one really seems to have enjoyed the current economic expansion and now, because it has been going on for several years, some are worrying about the end. The typical end of cycle signs are there – rising inflation, higher interest rates, leverage and overvalued financial assets. But, really, they are all quite tepid. The Federal […]

17 March 2017 by Chris Iggo

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Tax free childcare is finally due to launch next month, but will the ship leave harbour?

Yesterday the Chancellor confirmed that the government “flagship” policy of Tax Free Childcare is still intended to launch in April this year. Some may argue that this action is well overdue.  This new policy has been awaiting its maiden voyage since it was first announced by the then Coalition government way back in 2013, and […]

9 March 2017 by Steve Herbert

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Looking for consistently good fund management firms

Most of us have a favourite restaurant. You know, a place we like to go where the food is always good, the staff are friendly and we’re happy to recommend it to our friends. The key is consistency. If we went some nights and waited an hour only to get cold food – well, that […]

21 February 2017 by Darius McDermott

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Government can reach the ‘Just about Managing’ by giving more help to working parents

You don’t need me to tell you that Chancellor Philip Hammond faces another delicate balancing act come the Spring Budget in March.  With the UK’s future still far from clear, the Chancellor must show leadership with his decisions to ensure that – in his own words – the economy is “match-fit” for whatever uncertainties lie […]

17 February 2017 by Steve Herbert

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Five thrifty tips to help you start saving and investing

One of the common barriers to saving and investing is that people simply don’t have any spare cash at the end of the month. Their wage is used up on the necessities in life – like feeding their family and putting a roof over their heads. It’s hard to argue with those priorities! With inflation […]

25 January 2017 by Darius McDermott

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The best of times or the worst of times?

Economic momentum is improving. It is supporting risk assets and delivering good returns to investors. Can it last? It can if the Federal Reserve (Fed) does not need to raise rates too quickly, if the new US Administration can deliver on tax cuts, if corporate animal spirits are revived and if Trump shuts down his […]

6 January 2017 by Chris Iggo

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Productivity and the poverty premium

As we enter 2017 it is becoming increasingly apparent to all that the likely future trading relationships of the UK are still very much a work in progress.  No one truly knows what lies ahead for the country, yet this lack of detail should not deter employers from taking action to ensure that each and […]

6 January 2017 by Steve Herbert

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The US has raised rates – should you make changes to your investing strategy?

Darius McDermott, managing director, Chelsea Financial Services, considers the impact on the rise in US rates. I spent a lot of time last week talking about the US interest rate rise with industry peers. At a Christmas dinner on the weekend, however, a family friend asked me one simple question: should I change my portfolio? […]

21 December 2016 by Darius McDermott

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ImPeTuous tax rise?

Steve Herbert suspects that yet another increase to Insurance Premium Tax (IPT) could be an own-goal for the UK Budgets (and Autumn Statements) must be amongst the most stressful and challenging times for any Chancellor of the Exchequer.  Even more so when the presiding government is in the early stages of negotiation to decide the […]

2 December 2016 by Steve Herbert

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