Blog

  • Time in the market, not timing the markets

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    With markets around the world continuing to prove unpredictable as momentous financial and political events continue to unfold, it’s perhaps not a surprise that investors are increasingly concerned about when the ‘best time’ for them to invest might be. Many of these people will decide to hold off on making an investment, choosing to keep their mon...
  • 4 tips for keeping your books in order in 2018

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    Whether you’re someone who prides themselves on having their accounts in order every year, or you’ve just had yet another last-minute scramble to submit your tax return before the deadline at the end of January, the start of a new calendar year is a great time to review your books and ensure they’re all in order for the twelve months ahead. Here ar...
  • What is the pensions advice exemption?

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    In general, pensions information and advice which employers provide to their employees – such as presentations which employees are invited to attend – are unlikely to result in a tax charge on an employee benefit. However, if an external provider has been paid by the employer to give their employees advice, this will usually result in a tax charge...
  • Help to Buy ISA – how have they done?

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    Launched in December 2015, the scheme offers a maximum bonus of £3,000 from the government to those buying a home. It allows first time buyers to boost up to £12,000 of their savings by 25% when they buy a property for £250,000 or less, raised to a limit of £450,000 for those buying in London. The scheme remains open to new savers until the end of...
  • News from our French Colleagues

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    Bonjour everyone at ABG We have quite a fair bit of news from Lyon on staff and clients. Sadly after 3 years working with us Sofia has decided to leave and pursue another career; she was very involved in the launch of ABG. We are very thankful for her work and wish her the best for her future. We will have someone in place mid-April to overtake her...
  • The topics you need to be talking about with your parents

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    Talking about money with your parents can be difficult. However, these conversations can also be some of the most important ones you will have with those you love. It doesn’t need to be a full examination of their financial records, as you clearly don’t want to overstep any boundaries or cause offence. But there are also questions you need to ask t...
  • Hints that interest rates could rise

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    Figures released at the end of January revealed that the final quarter of 2017 saw the economy expand by 0.5%. The Bank of England has now indicated that the pace of interest rate rises could speed up if the outlook remains positive. Although Mark Carney and his colleagues voted to keep interest rates on hold at 0.5% at their latest meeting, they d...
  • Who owns your bank?

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    Following the financial crisis of 2008 when a number of big British banks came close to collapsing, the Financial Services Compensation Scheme (FSCS) was strengthened by the government. As such, the FSCS 100% guarantees the first £85,000 of a person’s cash savings per banking licence in total, including interest. This means that a couple with a joi...
  • Carillion highlights the issue of pension deficit

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    The collapse of construction firm Carillion has been widely reported and it’s no surprise that high-profile cases such as these cause worry amongst employees throughout the UK as to whether their promised workplace pension will be delivered when the time comes. Defined benefit (DB) pensions are based on either a worker’s final salary or their avera...
  • 5 key financial changes to watch out for in 2018

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    As with any new year, there are a number of financial changes coming up in 2018 which are likely to impact on your monthly budget and long-term saving goals. Let’s have a look at five of the most significant and what they’re likely to mean for you over the next twelve months. Automatic enrolment contributions are set to increase – If you’re enroll...