Your 10 most common ISA questions answered
Christmas is over for another year, which means it’s not long – hopefully – before the first signs of Spring appear and we start to turn our attention to the end of the financial year. For many...
View ArticleJanuary 2013 Cash Best Buys: Corporate, Charity, Pension & Trust Deposits
January 2013 Cash Best Buys: yet another month of downward movement t, some more accounts have been withdrawn from the market completely.
View ArticleQuarter 4 2012: Strategic Portfolio Brochures
Integral to our service here at Francis Clark Financial Planning is the care and attention paid to the way in which our clients’ investments are managed, after all no matter what the solution be it...
View ArticleFebruary 2013: Model Portfolio & Market Update
With January out the of the we start to turn our focus to the end of the tax year. The FTSE 100 continues to perform well despite some significant bad news during January, US Growth figures plus HMV...
View ArticleMarch 2013: Model Portfolio & Market Update
Spring has finally sprung..........or has it? After some mild weather at the beginning of March the conditions have turned wintery once again. A mixed month for investors in February, with some...
View ArticleApril 2013: Model Portfolio & Market Update
April showers are bringing the dry period to an end and could signal the start of a more unsettled period of weather. Let's hope the temperatures increase a bit! For many investors, March was a...
View ArticleWon?t Save, Can?t Save
The tough economic situation for many families means few are managing to put away anything in savings. Many are simply needing to support themselves and other family members in hard times.
View ArticleQuarter 1 2013: Strategic Portfolio Brochures
Integral to our service here at Francis Clark Financial Planning is the care and attention paid to the way in which our clients’ investments are managed, after all no matter what the solution be it...
View ArticleISAs in 2013/14: a basic guide
An ISA is a type of savings account which enables you to keep all that you receive from that investment and not pay any tax on it. ISAs began in 1999 and should be around for the foreseeable future....
View ArticleWhat products are qualifying components of ISAs?
Many of us are not aware of the considerable range of products which can be part of our ISA holdings. Taking advantage of our tax-free ISA allowance by increasing or organising our ISA holdings in...
View ArticleMay 2013: Model Portfolio & Market Update
Although a positive month for markets, April saw political tensions increase and a market wobble in the short term after the Boston Marathon bombings.
View Article21st century income generation
Investing to generate an income used to fall into the ‘straightforward and dull’ camp. Income-seeking investors would focus primarily on cash and UK government bonds or ‘gilts’ – so-called ‘safe-haven’...
View ArticleJune 2013: Model Portfolio & Market Update
Early in May, global share prices were lifted by encouraging US employment data. General investor sentiment was further boosted by reassurances from European and Japanese central banks that...
View ArticleJuly 2013: Model Portfolio & Market Update
June 2013 finished on a subdued note for many investors. Although most leading equity indices still ended the first half of the year in positive territory, share prices experienced widespread falls...
View ArticleSeptember 2013: Model Portfolio & Market Update
August is traditionally considered a relatively uneventful month for investors. However, August 2013 provided much to digest – particularly with regard to economic data releases and geopolitical...
View ArticleNovember 2013: Model Portfolio & Market Update
Economically, October proved to be a month of two halves. The early part of the month was dominated by speculation about the outlook for the US. With the country’s so-called “debt ceiling” scheduled to...
View ArticleDeciding your Attitude to Investment Risk
In the old days ‘attitude to risk’ was a very simple concept: clients were either ‘cautious, balanced or adventurous’ and woe betide the adviser who strayed outside those three boxes.
View ArticleDecember 2013: Model Portfolio & Market Update
US monetary policy – and the much-discussed possibility stimulus measures might be brought to an end – remained at the forefront of many investors’ minds during November. Sure enough, amid mounting...
View Article10 ISA Questions Answered
One of our suggested Financial New Year’s Resolutions for everyone this year is to make sure that you are paying into an ISA and, if possible, using up your yearly ISA allocation.
View ArticleAn ISA millionaire shows the real power of tax free saving
Lord Lee, hailed as Britain’s first ISA millionaire, tells a compelling tale about how a sensible approach to investment, which includes the prevalent use of the tax free accounts, can pay huge dividends.
View ArticleGrowing incomes disguise widening gaps and slender savings amongst UK families
UK families are divided by a growing income gap despite their typical incomes reaching a three year high, the latest Aviva Family Finances Report revealed in December 2013. The report, which tracks the...
View ArticleThe Savings and Income Protection picture across the UK: are you 26 days from...
The average UK household overall is 26 days from the breadline, but this reduces to just 11 days for those of working age (18-64 years old). People estimate their savings will last them 72 days –...
View ArticleISAs: now much NISA
Virtually all the headlines surrounding George Osborne’s recent Budget were about the changes to the pensions rules. Rightly described as the biggest changes to pensions legislation for a hundred...
View ArticleJunior ISAs ? a better option than a Child Trust Fund
“I’m spending my children’s inheritance” may make an amusing car sticker but the reality is that there are large future expenses your child has to face – higher education tuition fees, getting married...
View ArticleDividend allowance ? make the most of what you?ve got before it?s gone
In Joni Mitchell’s iconic 1970 protest song ‘Big Yellow Taxi’, she reminds us that “you don’t know what you’ve got ‘til it’s gone”. In terms of tax planning, you may not always know what you could...
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