What we think

Our insights and ideas on managing money and understanding the markets.

Cash Is Not King

Cash Is Not King

In July last year, I wrote an article titled “Is Cash Really King?”. Following increases in interest rates and volatility in investment markets, more investors were being tempted by the higher returns offered by cash. My article focused on the potential impacts of...

Economic and Investment Outlook Summary – 2024

Economic and Investment Outlook Summary – 2024

At the start of each year, our investment team puts aside time to read and dissect the investment outlooks from all the major banks and investment houses. Last year we shared a summary of the main forecasts and expectations (please click here to read the article)....

Is Cash Really King?

Is Cash Really King?

Over the last year and a half, the Bank of England (BoE) has been aggressively raising interest rates to combat inflation. In June, the base rate reached 5%, the highest it has been for over 15 years. In response, the interest rates available on cash deposits have...

2023 Budget – Exploring the Changes to Pensions

2023 Budget – Exploring the Changes to Pensions

The 2023 budget brought significant changes to both the annual pension allowance and the lifetime pension allowance (LTA), impacting individuals' retirement savings. These changes arose primarily from the concern that high-income individuals in the medical profession...

Are You Maximising Your State Pension?

Are You Maximising Your State Pension?

The Opportunity There has been a lot of press recently about the opportunity to fill gaps in your National Insurance (NI) record back to 2006. This opportunity is available until 5 April 2023, so if you want to take advantage of it, you will need to act fast. The...

Economic and Investment Outlook Summary – 2023

Economic and Investment Outlook Summary – 2023

At the start of each year, our investment team put aside time to read the investment outlooks from all the major banks and investment houses.  Historically, these outlooks and forecasts rarely accurately predict the major events and subsequent investment performance...

Inflation – 1970s Vs 2020s – what can we learn?

Inflation – 1970s Vs 2020s – what can we learn?

The latest readings for inflation in the UK, US and Europe are 9.0%, 8.6%, and 8.1% respectively. The last time inflation was this high in the UK, Margaret Thatcher was the Prime Minister and the likes of the Village People, Bee Gees, and The Police were number one in...

Investment considerations for FICs

Investment considerations for FICs

Family Investment Companies (FICs) have become a popular alternative to trusts in recent years. They can be an effective and flexible means of using a well-known, tried-and-tested structure of a company to control, grow and distribute wealth on a generational basis....

Market Movements – January 2022

Market Movements – January 2022

The first six months of 2022 have seen markets suffer one of the worst starts to a calendar year on record. Since the beginning of January, the global equity market has fallen more than 14%. It is not just equities that have suffered; even bonds have experienced...

Are financial markets predicting a recession?

Are financial markets predicting a recession?

Bond markets have sent a warning signal about the US economy's growth prospects, just as central banks try to combat rising inflation by raising interest rates and scaling back their open market operations. The market for US government bonds has historically been a...

Out of Practice

Out of Practice

Traditionally, January is the time of year everyone signs up for a new gym membership or takes up running again to try and shift some of the excesses of the festive period. Though well intentioned, having usually done very little exercise for the best part of a month,...

Outlook for 2022: Lots of Growth and lots of Uncertainty

Outlook for 2022: Lots of Growth and lots of Uncertainty

2021 was a good year for investors with equity markets delivering strong returns. The removal of coronavirus restrictions, made possible by the global rollout of vaccines, generated one of the sharpest economic recoveries in recent times. One by-product of this...

Entrepreneur Series: Sam Stirrat of Blackacre

Entrepreneur Series: Sam Stirrat of Blackacre

Entrepreneur Series Name: Sam Stirrat Company: Blackacre It’s a pleasure to speak with you and thank you for asking me to be interviewed. 1. Tell us about your company and the inspiration behind it. Blackacre specialises in the creation of exceptional one of a kind...

Entrepreneur Series: Leo MacLehose and Dom Collingwood of MatchPint

Entrepreneur Series: Leo MacLehose and Dom Collingwood of MatchPint

Name: Leo MacLehose & Dom Collingwood Company: MatchPint Leo has answered on behalf of the company 1. Tell us about your company and the inspiration behind it. Myself and Dom set up MatchPint in 2011. As passionate sports fans we believe watching sport surrounded...

Could the savings boom be key to the UK’s economic recovery?

Could the savings boom be key to the UK’s economic recovery?

With the UK in lockdown for large parts of the last year, savings per UK household shot up to record levels. This phenomenon also took place around the globe with the US and Europe exhibiting similar increases in household savings rates. Here in the UK, the savings...

Declaration of Trust – How Can You Take Advantage?

Declaration of Trust – How Can You Take Advantage?

A Declaration of Trust is a relatively simple deed that, when deployed correctly, can add value in several wealth planning situations. In its simplest form, a Declaration of Trust allows an individual to declare that they hold an asset, or assets, on trust for the...

Retirement and the Marriage Allowance

Retirement and the Marriage Allowance

The Marriage Allowance is just one of several different tax breaks available to potentially take advantage of. For example, there are various allowances for income, dividends, gains, pensions… the list goes on. Some allowances are means tested while others are not....

The Budget – A Private Client View

The Budget – A Private Client View

Considering events over the last twelve months, it is unsurprising that Rishi Sunak’s second ever budget focused largely on measures to support businesses and individuals most impacted by Coronavirus restrictions. This was a budget about spending rather than taxing....

The Power of Alternatives

The Power of Alternatives

Benjamin Graham, the grandfather of modern investment theory, talked of two asset classes forming the basis of an investment portfolio: equities and bonds. In recent times, however, this has expanded to include several more, one of which is ‘alternatives’. What are...

Markets move on vaccine results

Markets move on vaccine results

After what feels like a lot longer than 8 months since the first lockdown, when we were told to “stay at home and save lives”, there is now a glimmer of hope that life might soon start returning to normal. Last week, Pfizer/BioNTech and Moderna, two companies that are...