Knowledge Centre

Newsletter – 10th September

The month in perspective I'm pleased to bring you a look back to August, starting with the observation that notwithstanding 65% of the UK population have now been fully vaccinated against Covid-19, the holiday season seems to have had an impact on the number of new...

Newsletter – 11th August 2021

The month in perspective      We started the month with the Nationwide House Price Index report showing that annual house price growth had increased by 13.4 % compared to last year, with net borrowing rising to £ 6.6 billion in May and well ahead of expectations,...

Newsletter – 2nd July 2021

The month in perspective                                                                                                  As we now know, the leading scientists urging caution on the full re-opening of the UK last month were heard, so we now await the next...

Newsletter – 7th June 2021

 The month in perspective                                                                         I hope you’re enjoying your new found freedoms since 17 May, although as we approach 21st  June, leading scientists are urging caution on fully re-opening the country...

Newsletter – 7th May 2021

The month in perspective                                               Welcome to The Month In Perspective and thank you to those who have mentioned they’ve been looking forward to this. I hope you enjoy. The month started with the blockage in the Suez Canal, through...

Newsletter – 19th February 2021

At the end of last week, we heard that the fourth quarter Gross Domestic Product for the UK rose by 1%, technically avoiding a double-dip recession (that’s when we have two negative quarters in a row), however the record-breaking annual fall of almost 10% in economic...

Newsletter – 5th February 2021

The key takeaway points to influence investment markets have been that most of the indicators towards global recovery look better than once expected, despite the announcement this morning that the UK had a record contraction to the economy of around 9.9% last year....

Newsletter – 29th January 2021

What started innocently enough with people swapping ideas about a left for dead chain of mall stores in the US, has gathered huge momentum in the past days, so much so that the White House says it is monitoring the situation, whilst it’s been making headline news...

Newsletter – 22nd January 2021

Whilst it’s been a busy week in Washington with the inauguration of Joe Biden as the 46th US President, he been quick to overturn some of Donald Trump’s policies, including scrapping the Mexican wall, reconnecting with the World Health Organisation and, of course, the...

Newsletter – 15th January 2021

Yesterday we had the announcement that President elect Jo Biden is promising a $1.9 trillion Covid-19 relief package, which will be the third pandemic rescue bill since coronavirus struck. He is also looking to more than double the federal minimum wage and is...

Newsletter – 8th January 2021

 The week in perspective                                                                 Happy New Year. It’s been an interesting start to the New Year with the UK entering lockdown 3.0, which some believe could last until the Spring, with many other countries finding...

Newsletter – 31st December 2020

I hope you’ve had a restful Christmas and for most of you I’m guessing a peaceful one as well. What a difference a few days makes, we have another vaccine, after the approval of the Oxford University and AstraZeneca drug yesterday and, of course, a Brexit deal for...

Newsletter – 18th December 2020

With two weeks to go before the UK leaves the EU trading rules, talks will continue in Brussels today, going that extra mile and whilst the EU Commission head, Ursula von der Leyen, has said it would be “very challenging” to bridge the “big differences”, particularly...

Newsletter – 11th December 2020

   The week in perspective                                                                 11 December 2020 Tuesday was an historic day when the first Pfizer-BioNTech Covid-19 vaccine was administered, in true ladies first protocol, to Maggie Keenan, a 90-year-old...

Newsletter – 27th November 2020

And then there were three, with AstraZeneca and their collaboration with University of Oxford joining Pfizer and Moderna with their vaccine. From the initial information released, this vaccine didn’t seem to be quite as effective as the other two, with somewhere...

Newsletter – 13th November 2020

The week in perspective                                                                 13 November 2020 Last week that the UK drugs regulator had started accelerated reviews of the vaccines under development, I hadn’t expected Pfizer and BioNTech would be announcing...

Newsletter – 6th November 2020

The week in perspective                                                                 6 November 2020 Another busy week, on which we await the results of the US election and one where world stock markets have made up all the losses from last week and a little bit...

Newsletter – 30th October 2020

The week in perspective                                                                 30 October 2020 Another busy week, on which we await the results of the US election and one where world stock markets have made up all the losses from last week and a little bit...

Newsletter – 23rd October 2020

The week in perspective                                                                 23 October 2020 In Europe, Covid-19 cases continue to surge as daily infection records are broken. In the US, the numbers there are pretty grim too, as states from Florida to New...

Newsletter – 16th October 2020

The week in perspective                                                                 16 October 2020 Bearing in mind coronavirus isn’t going anywhere anytime soon, I don’t believe any of us will be surprised that this week has seen Europe start to lock itself down...

Newsletter – 9th October 2020

The week in perspective                                                                 9 October 2020 I mentioned last week that the fourth stimulus package for the US economy could well be close, however after the “Trump left hospital” bounce on world stock markets...

Newsletter – 2nd October 2020

The week in perspective                                                                 2 October 2020 I mentioned that this week I would have a look at capital gains tax and what could happen with this as the government looks to pay for the coronavirus crisis. I’ll...

Newsletter – 25th September 2020

The week in perspective                                                                 25 September 2020 In his speech yesterday, Rishi Sunak announced measures to help business survive the winter but warned that an unemployment “tragedy” is already underway as the...

Newsletter – 20th September 2020

The week in perspective                                                                 20 September 2020 Better late than never - though that might be a matter of opinion - I’m pleased to bring you news from last week, some of which may have an impact on investments....

Newsletter – 11th September 2020

The week in perspective                                                                 11 September 2020 This week, world stock markets remain volatile, AstraZeneca’s vaccine development has been forced to stop trials and the Prime Minister has suggested changing the...

Newsletter – 4th September 2020

The week in perspective                                                                 4 September 2020 A shorter week with the bank holiday, nevertheless there remains concerns over some holiday destinations, including one of my favourites, Portugal, with Wales and...

Newsletter – 28th August 2020

The week in perspective                                                                 28 August 2020 Rather than do the usual review of the week, I thought as we were moving towards the last third of 2020, I could take a look at three topics that are likely to be at...

Newsletter – 21st August 2020

The week in perspective                                                                 21 August 2020 We hear this morning that the Public Sector Debt has passed the £2 trillion mark for the first time, as the government and its ministers continue to invest billions...

Newsletter – 14th August 2020

  The week in perspective                                                                 14 August 2020 The news outlets this week were sensationalising the fact that the UK is now in recession with one of the worst quarter performances since records began. Maybe...

Newsletter – 7th August 2020

The week in perspective                                                                 7 August 2020 I imagine that you’re about as fed up as I am to hear each week that the biggest influencer on world investment markets for the preceding week is the continued...

Newsletter – 31st July 2020

The week in perspective                                                                        31 July 2020 Concerns over the second wave of coronavirus really bit this week, with the North of England, if not hitting full lockdown, certainly being restricted, with...

Newsletter – 24th July 2020

The week in perspective                                                                        24 July 2020 The EU summit finally ratified the €750 billion rescue package, which will be a mixture of grants, €390 billion and loans, €360 billion, and is a step back from...

Newsletter – 17th July 2020

The week in perspective                                                                        17 July 2020 We have seen a small increase in the value of the FTSE 100 in this past week, along with the US, French and German stock markets, whilst the Japanese and Hong...

Newsletter – 10th July 2020

The week in perspective                                                                        10 July 2020 Last week might have been one of the quieter ones, this week has been anything but. Our Chancellor, Rishi Sunak, was busy on Wednesday with what will amount to...

Newsletter – 3rd July 2020

The week in perspective                                                                        3 July 2020 This has been one of the quieter weeks for investment markets, with the dip in the FTSE 100 on Wednesday being linked to continued concerns over the spike of...

Newletter – 26th June 2020

The week in perspective                                                                        26 June 2020 A reasonable start to world stock markets on Monday turned sour midweek, before going somewhat sideways on Thursday, amid growing concerns about a spike in new...

Newletter – 19th June 2020

The week in perspective                                                                        19 June 2020 This week has shown all that can be volatile with investment markets, with the FTSE 100 falling sharply in early trade on Monday amid the continued worries...

Newletter – 12th June 2020

The week in perspective                                                                        12 June 2020 The start of this week continued the gains from the previous week, particularly after the US employment report saw 2.5 million jobs created in May versus an...

Newsletter – 5th June 2020

The week in perspective                                                                        5 June 2020 The concerns at the end of last week that Donald Trump was going to make trade matters with China worse, which would likely impact on investment markets around...

Newsletter – 29th May 2020

  The week in perspective                                                                        29 May 2020l With the continuing rumblings between the US and China, made worse by China planning to introduce a national security law on Hong Kong that would ban treason,...

Newsletter – 22nd May 2020

The week in perspective                                                                        22 May 2020 There was promising news for the vaccine trials from the US company, Moderna, which helped markets improve significantly on Monday. The news comes with a word of...

Newsletter – 15th May 2020

  The week in perspective                                                                        15 May 2020 This has been a disappointing week for stock markets as we hear concerns of a possible spike in infections from Covid-19 as lockdowns are gradually lifted. It...

Newletter – 7th May 2020

  The week in perspective                                                                           7 May 2020 With another Friday bank holiday tomorrow, once again I thought I would send this week’s briefing out a day early and whilst we await Sunday’s announcement...

Newsletter – 1st May 2020

  The week in perspective                                                                           1 May 2020 With the COVID-19 infection curve flattening around the world, numerous countries are now looking at their plans for easing lockdowns and the British...

Newsletter – 24th April 2020

The week in perspective                                                                        24 April 2020 As I write this week’s note and before the European investment markets open, all of the UK markets, for once, have performed better than most of the rest of...

Newsletter – 17th April 2020

  The week in perspective                                                                        17 April 2020 With global governments continuing to limit our mobility in an effort to protect the health services and the announcement yesterday that the UK will be in...

Newletter – 9th April 2020

The week in perspective                                                                           9 April 2020  Happy new tax year! This week’s briefing is coming to you on Thursday, as tomorrow is Good Friday and for those of our clients who receive this by post, I...

Coronavirus – Investment update 3rd April 2020

The week in perspective   I hope this week’s briefing finds you well and looking forward to what I hope will be a warmer weekend with time to soak it up in the garden.   This week, the graphs of the global stock markets continued to look like a cardiograph chart,...

Coronavirus – Investment update 27 March 2020

27 March 2020 An interesting week for the markets We’ve seen some pretty good gains on world stock markets this week which has helped push portfolios back above last week’s lows and as I compile this text before the markets open on Friday morning, the FTSE 100 is up...

Coronavirus investment market update – 20 March 2020

An analysis of the current investment landscape - 18th March 2020 Global stock market movements over the last few weeks have been unprecedented and nothing short of dramatic. The sell-off of shares around the world has been heightened by the measures governments are...

Defined benefits made easy

Defined Benefit Pension Schemes What are they? Defined Benefit pension schemes are often referred to as Final Salary schemes, are the crème de la crème of pensions and are now very rarely available from many employers. This type of pension will pay a member a secure...

Is critical illness important?

Is critical illness important?………….YES!!!!!! I can’t emphasise enough how important critical illness is and as an adviser I hear it all the time that ‘it’s just too expensive’. Well let me ask you this how expensive is your lifestyle? Could you continue to survive...

Financial Planning: Lifetime ISA

Those aged between 18-40 are under increasing pressure to save for their first home and plan for their retirement. The government has increasingly publicised this matter over recent years in order to bridge the gap. The Lifetime ISA is a government based incentive...

Financial Planning: Help-to-Buy ISA

Help-to-Buy ISA Help-to-Buy ISA’s launched on  1st December 2015, acting as a saving vehicle to help those wishing to purchase their first home. In order to qualify as a First Time Buyer you must NEVER have purchased or held shares in a property within or outside the...