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SmarterInsight™ Newsletter

Smarter Insight™ | Surviving inevitable market falls Edition

09 Apr 2018/in /by

Smarter Insight™ is written, as usual, by Tim Hale an investment expert who frequently informs our investment committee.

Investors have experienced very strong investment markets since the Credit Crisis a decade ago. Some may have forgotten, or never experienced, the pain – and even fear – that such events can induce. When falls do happen, how investors behave will have a great bearing on the longer-term outcomes they will experience. Investors who have fortitude, discipline and patience will fare best. Easier said than done. Those who need support should lean on their adviser – that is what he or she is there for.

For further insight, please click here to view the full note.

SmarterInsight™ Newsletter

Smarter Insight™ | The April 2017 Edition

11 Apr 2017/in /by

‘These foolish things…’

Smarter Insight™ is written, as usual, by Tim Hale an investment expert who frequently informs our investment committee.

For further insight, and to view the full note, please click here.

SmarterInsight™ Newsletter

ISA Rule Changes

27 Jan 2017/in /by

ISAs – Increased Flexibility

From a general information perspective, we are keen to let everyone know about a couple of rule changes that apply to ISA accounts in the UK. Once you have digested the contents, do please get in touch if you want to review how things apply to you personally. Read more →

SmarterInsight™ Newsletter

Result-to-Leave

24 Jun 2016/in /by

So it is ‘leave’
The UK woke up on Friday to a vote to leave the EU, the Prime Minister is set to leave office in October and the markets are suffering a bout of jitters.

We are simply seeing the markets at work, and it is likely that there will be some market gyrations over the coming weeks and months, but we should all remember to view it as short-term noise. Read more →

SmarterInsight™ Newsletter

Budget Summary – March 2016

18 Mar 2016/in /by

We have pleasure in attaching our summary of the key announcements in Chancellor’s 2016 Spring Budget statement. We hope you find it useful and interesting.

To access the summary please click here

SmarterInsight™ Newsletter

Pension Reforms-The Challenges and Opportunities

03 Jun 2015/in , , , /by

Pension Reforms Challenges and Opportunities

This post is part of the SmarterInsight™ series and is written, as usual, by Tim Hale an investment expert who frequently informs our investment committee.  

“The goal of retirement is to live off your assets – not on them” Frank Eberhart

The Chancellor has – in the main – done us all a big favour

New pension reforms came into being on 6th April 2015. The materially greater freedoms that now exist have much appeal, yet they come with greatly increased complexity both in understanding and in execution. On balance these reforms are welcome, but the need for high quality advice has never been greater, both to minimise the risks, but also to maximise the opportunities that they provide.

The British have had a love-hate relationship with pensions for many decades. After some years in the doldrums, the cycle is on the upswing – or certainly deserves to be – largely due to recent changes made by the Chancellor; more on that later. A potted history of pensions and pension reform provide a useful context to these new changes.

Download the full pdf version

 

 

 

If you would like more information about pension planning advice please do not hesitate to contact a member of the Loch Fyne Financial team.

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