Site Archives

Uncovering the jargon


Getting to grips with the language of investment
Accumulation units/shares
With this type of unit/share any income earned on your investment remains accumulated within the price of your units/shares, increasing the value of your holding.
Active managed funds
Funds which aim to outperform a benchmark index, such as the FTSE 100. The aim is for the fund manager to [...]

Protecting your family’s lifestyle


Obtain the right advice for your needs
The right protection plan can protect your family’s lifestyle if your income suddenly changes due to death or illness. That’s why obtaining the right advice about the products, including the most suitable sum assured, premium, terms and payment provisions is essential. We take the time to understand your unique [...]

Have you accumulated a number of different pension plans?


Consolidation of your retirement funds could bring benefits
Most people, during their career, accumulate a number of different pension plans. Yet maintaining separate plans can be inappropriate and complicated and lead to lost investment opportunities, exposure to undue risk, higher costs, and more.
Talk to us about how we could potentially help you avoid these problems, if [...]

State Pension Happy 100th Birthday


It is 100 years since the very first State Pension was introduced. Lloyd George introduced State Pensions in August 1908 when the Old Age Pensions Act was passed.
The first State Pensions guaranteed a minimum income to people over seventy. They received up to five shillings (25p) and were means tested.
Since then, the State Pension has [...]

Investing for growth, income or for both


What are the options available to you?
There are a wide range of investment funds available to choose from. You should consider whether you are primarily investing for growth, income or for both.
If you want some income, but no risk to your capital, you may wish to consider choosing a money market or cash fund, which [...]

Nothing is certain but death and taxes


It’s not only the super-rich that are subject to inheritance tax
Benjamin Franklin once said that “nothing is certain but death and taxes,” and thanks to inheritance tax (IHT), they’re not only certain they’re intrinsically linked.