News and Views

Have trusts had their day?

  The law of trusts has existed since the 12th century from the time of the crusades. When a landowner left England to fight in the Crusades he would transfer legal ownership of his lands in his absence to another person to manage on the understanding that they would...

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An Inheritance Tax trap avoided

A client of ours, Kim Stopher, has suffered from oesophagus cancer for a while and has recently been told he only has about 6 months to live. He had a final salary pension scheme with Invensys worth £374,000.  When he first realised his life expectancy may be as short...

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Are your fears just perception or reality?

  Invesco carried out a large survey of advised investors in 2018 to find out more about their attitudes to investment.  It produced some interesting results as follows. Investors considered themselves to be higher risk takers 71% considered themselves to be...

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How you can make better investment decisions

There is a concept known as behavioural finance which governs the way you make investment decisions.  It’s really the combination of economics, psychology and sociology which provides explanations for why people make irrational investment decisions. Fortunately, there...

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What the Woodford debacle teaches us

Warren Buffet once said: “It takes 20 years to build a reputation and five minutes to ruin it. If you think about that, you'll do things differently”.  His statement is particularly pertinent in respect of Neil Woodford, the one-time top flying fund manager for...

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Should you defer taking your state pension?

I have always been sceptical about state pension deferment mainly because I, like many other people, fundamentally do not trust the government.  Why would the government offer to pay you more money to defer your state pension unless it saved the government money?...

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Women and investments

In my personal experience female investors tend to be lower risk investors than their male counterparts.  I have lost count of the number of times a husband’s attitude to investment risk has scored higher than his wife’s.  I estimate that in 9 out of 10 cases this is...

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