Latest Blogs

The uses of investment losses…

The Covid-19 pandemic has seen the values of many investments fall. But lower values can have a useful upside. Source: Data from uk.investing.com ‘It’s an ill wind that blows nobody any good.’ So it is with the drop in the value of shares and investment funds that has occurred since the start of 2020. It’s […]

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Crisis lessons – spotlight falls on social security net

The Covid-19 pandemic has highlighted many aspects of life which had previously gone unnoticed or ignored and found the holes. The full extent to which supply chains are global is an obvious example. Our reliance on internet connections and their surprising robustness when the world turned to Netflix and Zoom is another. Of crucial importance […]

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Out with the old and a boost for the new for children’s savings

2020 sees an old plan mature and its replacement given a boost. Be prepared to feel just a little old: the first Child Trust Funds (CTFs) will mature on 1 September this year, when their owners reach the age of 18. CTFs were first launched in 2005, when nearly every child born on or after […]

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Volatility in current investment markets: Perspective

You may be reading headlines and news articles that give rise to understandable concern about the position of your investments presently. We want to provide some perspective to these events and reconfirm our support in navigating this current volatility. Cutting through the ‘noise’ Popular news outlets and commentary can make a great deal of ‘noise’ […]

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How to check that your adviser is qualified to give advice

Up until recently, if you wanted to check that your adviser was an authorised individual and qualified to give you advice, the place to look was on the Financial Conduct Authority (FCA) Register. However, the FCA register has now been removed for client-facing advisers, due to the introduction of the Senior Managers and Certification Regime […]

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Sandringham advisers top the charts in 2020 financial advice guide

Sandringham Financial Partners, a national financial advisory firm based in Huddersfield, is extremely proud to announce that 80 of its 181 advisers have been listed as Top Rated Advisers for 2020 by a specialist review site. After sending out an email request to its client base in November 2019, Sandringham was flooded with nearly 2,000 […]

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HMRC keeps an eye on offshore fund investors

In early November, HMRC undertook a distinctly non-festive bulk mailing. “We receive information about investment funds and this information shows that you may have invested in Offshore Investment Funds.” Those slightly discomforting words are contained in a letter which HMRC sent out in early November. It was sent to a subset of taxpayers whose tax […]

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New thinking for Labour on taxes?

New proposals for reforming capital gains and income tax have been published by an influential think tank which could make their way into an election manifesto. The Institute for Public Policy Research (IPPR) is “the UK’s pre-eminent progressive think tank”, according to its website. This may sound like boasting, but it is probably a fair […]

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Interest rates back on the slopes

In September the US and European central banks cut interest rates, again. When the US central bank, the Federal Reserve, cut its main interest rate by 0.25% at the end of July, it was the first reduction in over 10 years. Less than two months later, the Fed announced a second cut by another 0.25%. […]

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Probate delays affecting estate settlements

There are currently long delays in gaining probate on the estates of the recently deceased. Late in 2018, the government issued a written statement announcing its intent to go ahead with controversial increases in probate fees for England and Wales. Instead of the current flat fees of £155 for applications through a solicitor and £215 […]

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How do you feel about taking a pension at 75?

Is a state pension age (SPA) of 75 looking more likely? Recommendation The SPA should better reflect the longer life expectancies that we now enjoy and be used to support the fiscal balance of the nation. The SPA in the UK is set to rise to 66 by 2020 (Pensions Act 2011), to 67 between […]

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When it comes to funds, the best advice is personal

The recent problems with the suspension of dealings in a heavily promoted UK equity income fund have exposed the blurred line between advice and guidance. According to the Investment Association (IA), there are around 3,500 funds on sale in the UK. The IA sorts these into over 30 individual investment sectors, although about 10% are […]

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