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

insight

Read More...

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

insight

Read More...

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

insight

Read More...

Can Asia Pacific still thrive without the TPP?

One of the biggest concerns for emerging markets in the event of a Trump win was uncertainty – what exactly would he do to ‘make America great again’? The president-elect eliminated some of the ambiguity this week when he pulled the plug on US involvement in the Trans-Pacific Partnership (TPP) trade deal. The announcement is […]

27 November 2016 by Darius McDermott

insight

Read More...

Huge uncertainty in forecasting the UK’s economic performance in the years ahead

The political turmoil over Brexit continues, the US presidential election race is as tight as can be and the European Union is living an existential nightmare. Monetary policy continues to be the main anchor for financial markets. Looking forward, if the growth outlook doesn’t improve and central bankers are running out of tricks, some dark […]

4 November 2016 by Chris Iggo

insight

Read More...

A rate hike in the US is a greater probability than it has been for some time

The long anticipated rise in yields got underway this week. Credit has outperformed rates and inflation has outperformed nominal government bonds. Rates have bottomed – even the Brexit hit UK economy grew at 0.5% in the third quarter, reducing the need for another UK rate cut. A rate hike in the US is a greater […]

31 October 2016 by Chris Iggo

insight

Read More...

Pensions – sounding the retreat?

Last week the government announced a major U-turn in pension policy.  George Osborne’s much heralded March 2015 announcement to allow pensioners to sell their annuities in exchange for a lump sum was cancelled just a few months before it was due to go live.  The government’s statement on this issue can be read here. Yet […]

25 October 2016 by Steve Herbert

insight

Read More...

Is the party just getting started in India?

I heard it phrased recently that “the party has barely started” in India. With annual Diwali festivities taking place next week, this might have been the topic of conversation. Given I was chatting with a group of fund managers though, I’m inclined to think they were referring to the Indian economy. There are good reasons […]

20 October 2016 by Darius McDermott

insight

Read More...

‘I want a full, frank and fair discussion with my clients on fund costs. Fund managers need to help’

The subject of fees, particularly those that are not readily identifiable in fund charging structures, is one that continually appears in industry discussions.  There has long been a debate about what the effect of these charges are and how they impact upon an investors expectations of returns. Explicit fees are obviously those that are readily […]

18 October 2016 by Lee Robertson

insight

Read More...

Pensions Advice: A casualty no more?

You probably don’t need me to tell you that UK pension savings have been undergoing a rather radical set of alterations in recent years.  The last decade has seen changes large and small, with the most significant including pensions “simplification”, auto-enrolment, charge caps, commission bans, and – most recently – the introduction of Pension Freedoms. […]

9 October 2016 by Steve Herbert

insight

Read More...
1 2 3 4 5 6