Market update from Lloyd & Whyte: How are your investments performing?

  What’s happened in the first quarter of 2021? The first quarter has flown by and it seems investors are confident that economies are on the road to recovery. This assumes the global vaccine roll-out is effective and that we all get back to something approaching normal as the year progresses. This sentiment is having…

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Vaccines put a spring in investors’ step

The arrival of spring is generally a time of great optimism and this year more than ever we are all certainly in need of a fresh bout of positivity. Thankfully for investors, there do seem to be increasingly hopeful signs on the horizon, with a growing belief we are now at least starting on the…

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Reflecting on your past finances to secure the future

The last year was tough, for a while there we couldn’t see the end of it, but with Boris’ roadmap well under way, life is being rephased back to a (new) normal. How did Covid affect your finances? Has it made you re-assess your cash-flow and are you open to considering other investment options for…

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Key Points of the Spring budget 2021

Job support Furlough scheme extended until 30 September 2021 – the government will continue to pay 80% of employees’ wages up to £2,500 a month until the end of June, employers then pay a 10% contribution in July, rising to 20% in August and September. The Self Employment Support Scheme also extended until the end…

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Is cash really king?

Our Technical Manager Jeff Bailey talks you through some topical pension and investment stats. As you can imagine the financial services industry is rife with expert views, analysts’ reports, commentator opinion, surveys, and a heap of marketing data. I am sure there is a great deal of merit in what most of this ‘durable’ media…

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Hopes of a “swifter and more sustained economic recovery”

Chancellor of the Exchequer, Rishi Sunak, delivered his second Budget on 3 March, which centred on a three-part plan to continue supporting people and businesses through the pandemic, to fix public finances once recovery is underway and to lay the foundations for the future economy. The Chancellor opened his statement by revealing the latest predictions…

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Every piece of jewellery tells a story…

…do you know the plot (and value) of what’s in your jewellery box? Fact not fiction. Just recently a ring of over 350 years old was found on the Isle of Man1. Known as a mourning ring it is thought to have connections to the Lord of Mann2 during the English Civil War. Dating from…

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Why it pays to update your pension expression of wishes

An expression of wishes tells your pension provider who you would like the beneficiaries of your pension to be in the event of your death. Multiple beneficiaries can be named, and you can state how much of your pension you want each to receive. However, while many people complete an expression of wishes when they…

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Retirement – it’s not ALL about your finances

  Whenever we talk about retirement, the focus tends to be on pensions, with an assumption that everything will fall into place, providing there is enough in your pension pot when you retire.   Preparing emotionally Many retirees simply aren’t prepared for how significantly their life will change, and many, while not missing work, will…

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FOMO – Fear Of Missing Out

With the end of the tax year approaching FOMO might not be a phrase that would spring to mind, but with a number of allowances being time critical, FOMO is exactly what you should be thinking. The obvious one is your ISA allowance. You can add up to £20,000 into an ISA each tax year,…

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