News and Views

The advantages of investing in offshore bonds

Bonds mean different things to different people. The reason for this is because there is a myriad of investments known as bonds. For example there are Building Society bonds, bank bonds, government bonds, corporate bonds and investment bonds to name but a few. What I...

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An innovative way to save Inheritance Tax

A client of ours, Philip, prematurely died a year ago at just age 66.  He was single at the time of his death having become diagnosed with Lewy Body Dementia only a couple of years earlier.  This disease is a rare form of dementia which is even worse than...

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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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