Blog

  • P2P Lending online

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    Peer-to peer or P2P is the new kid on the block for most investors. Peer-to-peer lending websites are offering very attractive rates compared to banks & building societies. In these times of very low bank rates this can appear very tempting. However, these attractive returns come with risks. Peer-to-peer websites, which appeared in Britain abou...
  • Investment Portfolios and the EU Membership Referendum

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    Good news - the impossible task of predicting the future just got easier! Usually there are many different potential outcomes to events making it hard to say exactly what will happen in the future.  With the EU Membership Referendum there’s only two possible outcomes: LEAVE or REMAIN.  So you have a 50/50 chance of calling it right.  The value of y...
  • The ‘Brexit’ impact on your pension

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    In the lead up to the budget announcement, George Osborne seemed to bow to the pressure David Cameron and other members of the Conservative Party were putting on him to soften his approach when it comes to pensions and tax relief. Ahead of the announcement, treasury sources suddenly began to indicate that now is ‘not the right time’ to make such bo...
  • What is diversification?

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    If you’re new to the investment world, or even if you’re not, it’s likely that you’ve heard the term ‘diversification’ used in relation to your investments. However, you’re certainly not alone if you don’t have a clear idea of what the word actually means for your investments. Read on, and learn everything you ever wanted to know about diversificat...
  • Squeeze on property market starting to slow London boom?

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    Sales of luxury property in London have seen a considerable slump following Chancellor George Osborne’s sharp increase to stamp duty. Property industry observers have given warnings that the situation is becoming more and more harmful to the property market. Douglas & Gordon, an estate agency with particular expertise when it comes to property...
  • The Lifetime ISA: What you need to know

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    Amongst the key announcements that came from the budget was the introduction of a new ‘Lifetime ISA.’ By far the most attractive feature of this new form of savings account is that contributions every year will receive a healthy 25% bonus from the government. As the maximum annual contribution amount will initially be set at £4,000, that means the...
  • Scale tipped in favour of small firms?

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    Chancellors presenting their Budgets often attempt to redistribute wealth from one group in society to another, stated a recent post-Budget AccountancyAge article, suggesting that this was the implicit rationale behind many of the corporate tax measures announced in the March 2016 Budget. The business tax roadmap, published on March 16th, provided...
  • How long before pension tax relief fills the ‘Black Hole’?

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    Before the March 2016 Budget there had been much speculation that the Chancellor was planning big changes to the tax relief on pensions. However, just before the Budget, the Treasury scotched rumours of such changes and subsequently there were no changes to pension savings tax relief in the forecast Budget. But then came the ‘Black Hole’ when the o...
  • Tax cuts now, payback later – what will the Budget of 2019 look like?

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    The Chancellor will need to reduce borrowing by £32bn in 2019-20 – the biggest ever annual cash consolidation – in order to meet his Budget surplus target by the end of parliament, according to a new post-Budget briefing report published by the Resolution Foundation. The Foundation’s post-Budget report shows how the Chancellor has chosen to respon...
  • A miserable turnaround in the fixed bond savings market

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    As far as the savings market was concerned, 2015 was the year of the challenger provider. Competition between them ramped up and average rates followed suit, and in turn, positivity started to make a welcome return to the market. However, this improvement was short-lived, as the latest Moneyfacts research, reporting in March 2016, shows a stark rev...