Risks

  • Asset Allocation and Trivial Pursuits

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    This Christmas I bought Trivial Pursuits as a gift to all the family. It was a great way to switch off from work, challenge the old grey matter and feel smug - because it was one game I could actually beat the kids at (unlike their games consoles). On my return to work in January I realised that this enjoyable general knowledge game could also prov...
  • Keeping your money safe by avoiding identity theft

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    Experian’s expertise and insight on data security, in a report published recently, has highlighted a gender imbalance. Men are now victims in two out of three ID thefts (63%) across all financial product applications. The report tells us that criminals making bogus current account applications have been targeting men aged between 50 and 59 (up 3.4%...
  • First premium levels 2016 Dutch Healthcare system published.

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    On September 15th, the Dutch Government has published its spending plans for 2016. Also this year there are adjustments made to the level of the mandatory deductible and the package that is covered trough the basic coverage. Mandatory deductible (own risk) In 2016 the mandatory deductible is increased with 10 euro to 385 euro. This means that the...
  • Eerste wijzigingen zorgpremies 2016 bekend

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    In vergelijking met vorig jaar, toen er sprake was van een complete stelselwijziging rond de langdurige zorg, blijft het aantal wijzigingen in 2016 beperkt. Eigen Risico Het eigen risico stijgt met 10 euro tot 385 euro. De vrijwillige eigen bijdrage blijft maximaal 500 euro per jaar. In 2015 heeft bijna 12% van de verzekerden vanaf 18 jaar gekozen...
  • Interest rate warning from our in-house mortgage expert Mike Shakespeare

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    The possibility on an interest rate raise has been a hot topic this week with the vote by the Bank Of England Monetary Policy Committee being 8:1 for holding rates. This became greater news when it became apparent that another member has seriously considered voting for a rise. Clearly this is of little consequence if you are considering, or on a t...
  • New civil penalties announced for those who facilitate tax avoidance

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    Revealed during the 2015 Budget, the government has introduced new measures to discourage tax avoidance. Headlining these measures are two new criminal offences and higher penalties, which cannot only be brought against those who avoid tax, but also those who enable tax avoidance. The two new headline measures introduced by the government include a...
  • Planning a business exit: Eight ways to maximise value and attract buyers

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    Most business owners go into business planning to make profits and to maximise the value of the business ready for selling when they exit. Then many fail to either maximise or extract their business’ value, because they don’t have the strategy to do so. This should include a plan to ensure that the business is attractive and valuable and a plan for...
  • Changes in how the FCA will work revealed

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    The Financial Conduct Authority (FCA) has set out details of how it intends to meet the regulatory challenges ahead following a detailed review of its strategy, priorities and ways of working. The FCA’s remit is far ranging and challenging with the recent additional responsibility for regulating consumer credit meaning the number of firms that now...
  • The top ten economic risks for investors in 2015, according to HSBC

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    Acknowledging that the forecasting consensus has missed many of the big stories of recent years, a team of analysts at HSBC has attempted to outline the biggest potential risks for investors in 2015. The team stressed that forecasts have been notoriously unreliable since the crash, particularly concerning regional growth. Nonetheless, they argue th...
  • The importance of understanding investment risk in financial planning

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    Many people have successfully made substantial fortunes from investing over the years, in various ways and styles, using many different methods. They would have had one thing in common: a fixation on the management of their downside risk. Risk is inherent within the investment structure. “It comes with the territory” – to achieve a return there wil...
  • One in three of us plan to use the markets in retirement

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    New research from MGM Advantage, the retirement income specialist, suggests that UK adults are planning to use equity investments to help them outstrip inflation and manage the rising cost of living. Over half (53%) of UK adults rate the rising cost of living as their number one fear for retirement, and almost a third (32%) of pre-retirees surveyed...
  • Expat pensioners cash in as pound value soars

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    Retired British expats who choose to live in the Eurozone have seen the income from their basic State Pension rise by nearly 10 per cent in the past year according to new analysis by the Prudential. UK Pensioners living in the Eurozone now find their annual income from the basic State Pension at €7,344.44 – a rise of €661.24 since this time last ye...
  • Peer-to-peer Lending and Crowdfunding: nothing ventured, nothing gained… but how risky are they?

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    Peer-to-peer Lending and Crowdfunding are, respectively, the new high(er) interest investment return and start-up funding phenomena that have attracted sufficient interest from city watchdog, the Financial Conduct Authority, for them to become a regulated investment as of April 1st this year. How attractive an investment are they though – and just...