by Brian Downton | J, Jan, 2016 | blog, wealth-management
It seems that wherever one looks in the media at the moment a commentator, government minister or journalist is stepping forward to tell us how awful annuities are and posing the question: why are annuities so bad? This, therefore is an important statement that should...
by Brian Downton | J, Jan, 2016 | blog, wealth-management
It’s hard to argue about the importance of saving for old age. Those still of working age need to look at how they are going to finance their later years. Those already retired need to think about getting the most out of their available finances. The exact rules...
by Brian Downton | J, Jan, 2016 | blog, wealth-management
One issue in the world of personal finance has dominated the headlines for months; the changes to Britain’s pensions industry that will have profound implications for savers and retirees for decades to come. Much of the focus of the reportage has been on the effects...
by Brian Downton | J, Jan, 2016 | blog, wealth-management
Some things are so easily lost. Car keys, mobile phone, wallet, or you entire financial future. At any given time a staggering five million people have lost track of their pension providers, like squirrels who bury acorns but forget where they put them. The result of...
by Brian Downton | J, Jan, 2016 | blog, mortgages
The Mortgage Market Review, which took effect in 2014, imposed “affordability criteria” on lenders. In simple terms it aimed to rein in high-risk mortgages. Like any change it triggered speculation about its potential effects....
by Brian Downton | J, Jan, 2016 | blog, general
This effect of change in the performance of the stock exchange can often be noticed around election times in general, so you might want to consider how to protect your portfolio. Sterling and the Importance of Image Outside of the Euro zone, most individual countries...
by Brian Downton | J, Jan, 2016 | blog, protection
“Expect the unexpected” may be an old cliché but the unexpected can and does happen. Hoping that it happens to someone else is a very poor strategy in terms of family protection. To put the matter quite simply, if you have people who depend on you in any way, you...
by Brian Downton | J, Jan, 2016 | blog, wealth-management
In the UK today often people consistently put away too little money each month to fund the cost of their retirements. Too many people simply spend for today being unaware that tomorrow waits for nobody. Throughout the working lives for many of us the day on which we...
