Your Investments. Too Much of a Good Thing? Part 1

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Your Investments. Too Much of a Good Thing? Part 1

Everyone surely knows the old saying – “too much of a good thing” – well that describes, the current economic situation. When times on the Stock Market are good – the saying is that it is a Bull run, and when they are bad it is a Bear run.   We are currently in a Bull run that is now coming to 9 years, whereas history has shown that previous Bull runs only lasted up to 7 years, so the current feeling is that we are perhaps on borrowed time.

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Pension Planning Tips: Part 3

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Pension Planning Tips: Part 3

Retirement Planning is Not Just About a Pension!

When saving for retirement, it is best NOT to do this through pension alone. Yes, I know that you get tax relief on pension contributions, and so for every £80 you put into your pension pot, the Government will put £20 – so that is effectively money for nothing, BUT, don’t forget what happens at the other end. When you actually retire and start taking money from your pension, then for every £100 you take out, you will pay £20 tax.

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How To Choose The Right Financial Adviser

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How To Choose The Right Financial Adviser

When it comes to choosing an independent financial adviser, how do you decide on the right one? What if you get it wrong? What are the potential consequences? Your investments, savings and pensions may be at stake, after all, so it's not just important to make the correct decision when signing up with an adviser, it's crucial! So, think of it as interviewing someone for a very important job. Let's start.

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How Do I Choose Between a Stocks and Shares ISA and a Cash ISA?

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How Do I Choose Between a Stocks and Shares ISA and a Cash ISA?

Who opts for a Cash ISA? And who's more likely to choose a Stocks and Shares ISA instead? Well, most people in life are risk averse, making a risk-free tax-efficient Cash ISA a popular first choice as an Individual Savings Account option. Those who can live with a bit of risk (or maybe even thrive on it!) go for a Stock or Shares ISA (aka an Equity ISA).

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What is the ISA Allowance for 2017/18?

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What is the ISA Allowance for 2017/18?

Spring is definitely in the air and (just in case you haven't heard) there's good news about ISAs! Whatever kind of ISA you have (there are several, from Stocks and Shares ISAs, to Cash ISAs, Innovative Finance ISAs and others) you'll know that over the past tax year (2016/17), the ISA Allowance limit has been set at £15,240. From 6th April, however, the Allowance increases to £20,000, which is excellent news for those with an ISA – because they're tax-free.

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Is The Equity ISA Allowance Different To The Cash ISA Allowance?

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Is The Equity ISA Allowance Different To The Cash ISA Allowance?

Cash ISAs, Equity ISAs, Junior ISAs... so many to choose from! Which are the best ones for you and your family to place your savings in? Well, if you're wondering which financial product comes with the highest ISA Allowance, you might by surprised to know that all ISAs have the same Allowance limit imposed upon them at the start of each new tax year.

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What Is The ISA Allowance for 2017?

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What Is The ISA Allowance for 2017?

The current ISA allowance limit is £15,240. Will it increase by a thousand pounds or so when the new tax year soon arrives? The answer is - by more than that, in fact!

From 6th April 2017, those with an ISA (Individual Savings Account) can use it to save as much as £20,000 a year. It's quite a leap, isn't it? and great news for savers. If you're still unsure about ISAs and haven't put your toes in the water, here's an explanation about how it all works.

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Investing Logic: What is financial redress anyway?

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Investing Logic: What is financial redress anyway?

It seems that one of the biggest news items in financial terms anyway is redress – for whatever caused the problems. In financial services redress must be paid to right a wrong – it’s as simple as that. If a financial services company has done something that has caused a person a loss, then they need to put matters right, and put that person back into a situation where they wouldn’t have that loss.

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Investing Logic: The Scourge of Inflation For Investors!

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Investing Logic: The Scourge of Inflation For Investors!

It was reported that UK inflation recently was the highest inflation since June 2014 – but why oh why do people never seem to take notice of this? I am of the opinion that many people simply fail to understand or appreciate its harm, and probably only look at things year on year. It actually has implications for your investments - I'll explain why.

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