ISA's - Happy 20th birthday!! - Pembroke Financial Brighton IFA's

ISA’s – Happy 20th birthday!!

ISAs celebrate their 20th birthday this April. If you haven’t reviewed yours in a while, this a good opportunity to ensure they are still the right vehicle for you. When the ISA was introduced in 1999, many thought it to be little more than a rebranding of the two schemes it replaced: the Personal Equity Plan (PEP) and Tax-Exempt Savings Account (TESSA)…

China emerges on to the investment stage - Pembroke Financial IFA's

China emerges on to the investment stage

Chinese investment markets set to become increasingly important part of investment portfolios as share of Emerging Markets Index likely to quadruple. China has been at the forefront of the headlines recently, whether about the protracted trade dispute with the US, the alleged dangers of using Huawei’s 5G equipment or the first landing of a spacecraft on the far side of the moon…

One more twist on buy to let - Pembroke Financial - Brighton IFA's

One more twist on buy to let

Buy-to-let investors will be hit by the latest phase of tax changes coming in from April, coupled with changes to CGT payment terms. When George Osborne announced in his summer 2015 Budget a variety of tax changes aimed at discouraging buy-to-let (BTL) investment, they came as a surprise. To ease their impact, the then Chancellor phased in the most significant reform, a revised treatment of interest relief, over four years and deferred its start date to April 2017. Anecdotal evidence suggests some BTL investors did not know what had happened until they found a larger than expected tax bill in January….

Happy birthday to tax-free savings

Happy birthday to tax-free savings

It’s the 20th birthday for tax-free investment in ISAs. With the deadline for contributions approaching, have you made the most of your allowances? The arrival of the new tax year on 6 April means that it is time to consider your Individual Savings Accounts (ISA) investments, which will celebrate their 20th birthday in April. Over the past 20 years, the maximum annual contribution has risen from £7,000 per tax year to £20,000 for 2019/20.

The world’s share markets mostly saw falls in 2018

The world’s share markets mostly saw falls in 2018

2018 was a much more volatile year than its predecessor for investors as Brexit and Trump worried the markets. 2018 was a very different year for investors from 2017. During that year, the share markets generally produced positive returns with very little volatility. Both years had their fair share of dramas, with Brexit and Donald Trump sources of concern across the 24 months. However, whereas in 2017 stock markets seemed relatively unphased by events, the opposite was true in 2018. In sterling terms, the MSCI World Index was down 4.9%, much less than the main UK indices. However, this hides two factors:

The FCA advises caution with crypto-currencies

The FCA advises caution with crypto-currencies

The Financial Conduct Authority (FCA) is warning consumers about investment scams that purport to invest in crypto-currencies. The watchdog has seen a rising number of cases, with fraudsters often advertising on social media, claiming celebrities have made significant sums investing in digital currencies, such as Bitcoin and Ether. Consumers should be wary of such claims…..

Shake up your financial New Year’s resolutions

Shake up your New Year’s resolutions

New year, new resolutions to break? Try our four financial resolutions with long term benefits. Have your New Year resolutions fallen by the wayside already? You know, the ones about eating better, drinking less and exercising more. The problem is they all require you to make a change to your lifestyle, which is never easy, particularly in the dark days of mid-winter….

Growing ethical investment for sustainable returns independent financial advisers brighton

Growing ethical investment for sustainable returns

The amount of money invested in ethical funds has trebled over the past 10 years according to the Investment Association. The growing demand has been backed by increased political pressure for fund managers and pension trustees to incorporate environmental, social and governance (ESG) factors as part of their investment process. Those that support this responsible investment approach argue that this isn’t just about doing the right thing: it is about managing longer term risks and generating sustainable returns.

Is Inflation eating into the value of your savings?

Interest rates on instant access savings accounts continue to be outstripped by inflation, so where should you invest your money? At the end of September, the US bank, Goldman Sachs, launched a new online easy-access savings account in the UK under the name of Marcus. It has offered a similar account in its home territory since 2016, gaining over 1.5 million customers according to the bank’s second quarter results. In the UK, 50,000 Marcus accounts were opened in the first fortnight after its introduction….

Cash ISAs fall out of favour as inflation outstrips interest rates

Cash ISAs fall out of favour as inflation outstrips interest rates

The popularity of Cash ISAs is continuing to wane according to new statistics from HMRC. With inflation persistently above interest rates, it’s not hard to imagine why. The Bank of England recently increased the interest rate to 0.75% but inflation increased to 2.7% in August 2018. This means, if you are holding cash in an ISA or considering topping up an existing account, you need ask yourself two questions:….