The study strategies and habits that worked for me

There are many different study techniques and time management strategies you can implement to improve your chances of study success. Each one of us will have different challenges to overcome, whether that be lack of time, stress, remembering formula or even...

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Calculating and claiming higher rate tax relief

As pensions now have greater flexibility for access, and are more attractive from a tax perspective, larger pension contributions are becoming more frequent for those that are higher rate taxpayers. This article will therefore provide an overview of how higher rate...

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Mind the Gap – Yield Gap of Dividends vs Bonds

In this article i'll be exploring the yield gap. Taking higher investment risk requires the reward of higher return otherwise who would ever invest in the riskier activities? Just because the theory makes sense though, it doesn’t necessarily translate to you actually...

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A little poor poetry

Following last weeks poem in Citywide by Old Mutual Wealth CEO Paul Feeney, I thought i'd have a go at some slightly satirical and probably very poor poetry!  With sincere apologies to Charles Mackay! The headlong twit that wants to transact, Their Gold and silver...

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Sitting on the fence and getting the best of both worlds

As financial advice is heavily reliant on the future, making a recommendation is usually a process of carefully weighing the specific (and potential) advantages and disadvantages, before reaching a decision on the best course a client should take with their finances....

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The morality of tax planning and avoidance

Tax planning and avoidance is a sensitive subject. The outrage in the UK over the recent Panama papers revelations and in particular David Cameron’s father’s offshore financial affairs, highlights this sensitivity of tax planning. Although perfectly legal, it’s clear...

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The Demographic challenge to adviser income

With the sweeping pension changes of 2015, retirement planning is likely to keep advisers rather busy over the next decade. Along with the opportunities however, there will be many advice and business challenges that will present themselves. Having a client bank that...

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Learn about bond price exposure to rates

Bond prices and interest rates are inversely related. This means they move in opposite directions to each other. When interest rates rise, the price of bonds falls and vice versa. To help understand how these rate changes affect prices, a concept called ‘duration’ has...

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How to use the POWERFUL compound interest formula

By far the most important lesson that you need to learn as a financial adviser is compound interest. It's something your clients need to fully understand to improve their finances. It will also come up in various formats during any investment examination you take. As...

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