What are the common types of investment risk?

Successful investing rests upon understanding, accepting and managing the various types of investment risk you could face. The decisions we make today have to interact with the future before we know whether the correct decisions have been made; i.e. whether we have...

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Capital Gains Tax Considerations on an Investment Account

Thanks to George Osborne’s meddling, using a partner’s lower tax status is now far less attractive for capital gains tax planning. At least we can still use two personal tax allowances. Here’s the new situation: Capital Gains Tax rates 2016/17 [su_box title="Capital...

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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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Pearls of wisdom from the master of marketing

Whether you work within a large established financial services company, a small boutique or have plans to branch out on your own, marketing will form an essential part of your career or business. Even if you are lucky enough to have a large client bank, you still need...

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Level 6 Paraplanner – The Nomad Paraplanner

If you’re looking for a level 6 paraplanner, then you need the Nomad Paraplanner.How am I qualified to level 6?In 2014, I achieved a distinction in the CISI level 6 Certificate in Private Client Investment Advice and Management. You can find out more about what this...

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Popular Delusions: Helping us to understand human behaviour

The investment textbooks write a lot about efficient market and modern portfolio theory, however if you only read the official texts you could be left with the impression that we as humans, and especially as investors, are inherently intelligent people – a view that...

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Financial planning – Is it pointless to be too precise?

A great deal of financial planning is related to the future. That in itself creates huge challenges as any plan we create is inevitably going to have elements of error. As a profession, financial planning appears to becoming increasingly precise about a future we...

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Defined Benefit Transfer Advice – It’s only advice

Following the sweeping changes to pension legislation, combined with financial advisers concerns over compliance and PI cover in the area of Defined Benefit Scheme transfers, I thought I would give my two pennies worth of thoughts on the matter. Presently, we appear...

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Simple Advice – Not quite so simple

I’ve heard many people discuss the need for simplified advice, yet how can simple advice be appropriate without taking account of a client’s personal and financial situation, their tax status and the options available to them, amongst other considerations. In essence,...

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The FCA. Do we still need it?

I'm sure you are all wondering whether the heat has gone to my head with that headline. I can assure you it hasn't! The costs of the FCA are burdensome and escalating and there's still widespread financial nonsense taking place. I've therefore given some thought to...

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Would you be brave enough to invest?

Recently, I had the pleasure of reading Meb Faber’s excellent e-book ‘Global Value: How to spot Bubbles, Avoid Market Crashes, and Earn Big Returns in the Stock market’. The book discusses the importance of value based investing in stock markets globally and for me it...

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Illusory return and very real risk

  In my view, government bonds exhibit very high risk of loss and a great deal of the return provided by them is an illusion of wealth, unless of course you sell today. The UK Gilt market has been manipulated by the Bank of England’s purchases of these bonds via...

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