The cricket season may only now be slowly getting underway, but May saw the Chancellor score two centuries which, in different times, would have deeply worried investors. Every month the Office for National Statistics (ONS) publishes a detailed summary of the public sector finances, showing how much the public sector has spent and how much […]
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The fall in world stock markets has cut the value of many pension pots. Which would you choose as investment performance, assuming a £10,000 investment that would be untouched for 10 years? A steady return of 5% a year throughout the period; or Two years of 20% annual losses followed by eight years of 12.39% […]
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The pandemic has shown us that unexpected events can strike at any time and highlights the need for protection insurance to keep us afloat during times of financial hardship. Many people have seen their circumstances change, perhaps through job loss or a change in family structure. Now could be the time to think about how […]
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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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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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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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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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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 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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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 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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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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