Collective investments

Collective investment schemes – also known as ‘pooled investment funds’ – are a way of combining sums of money from many people into a large fund spread across many investments and managed by a professional fund manager. Investing this way can be easier and less risky than buying shares in individual companies direct, and there…

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Income generating investments

Of low interest rates continue, it really matters where you invest your money. Investing for income means choosing assets that are able to provide you with a regular income. This is in contrast to investing for growth, which focuses on how much your assets could gain in value. People are living longer. Simple demographics mean…

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Inflation Matters

If you’re investing – especially for major goals years away, such as retirement – you can’t afford to ignore the corrosive effect rising prices can have on the value of your assets. Is inflation finally returning to Western economies, aided by the ‘Trumpflation effect’? It’s been described as a ‘hidden tax’ because of the consistent…

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Beware of pension fraudsters

Fraudsters are exploiting fears over the COVID-19 pandemic to target pension savers and investors. The Pensions Regulator, the Financial Conduct Authority (FCA) and the Money and Pensions Service have issued a joint statement urging people not to make rash pension decisions in the wake of the global pandemic, as criminals try to exploit public fears…

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How secure is the future of your family or business?

Given the current situation during this difficult and unsettling time with coronavirus (COVID-19), it’s important to think about how secure the future of your family or business would be in the event that you were no longer around. Understandably we would rather not think of the time when we’re no longer around, but this crisis…

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Coronavirus impact on the global economy

The coronavirus (COVID-19) outbreak is first and foremost a human tragedy, affecting hundreds of thousands of people. It is also having a growing impact on the global economy. The markets have been extremely volatile as investors weigh the effect of the coronavirus against measures aimed at easing its economic impact. Therefore, it’s hard to say…

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Our latest financial guidance factsheets

We’ve pulled together our latest financial guidance factsheets which are available for you to download below. Each one focuses on a different financial aspect to help you achieve your financial goals. If there is anything you are unsure about, please contact one of our independent financial advisers here who can provide you with further financial…

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Focus on long-term investing

It’s important we continue to focus on long-term investing; “time in the market, not timing the market”. During this difficult time, fear and worry are understandable, particularly as the coronavirus (COVID-19) outbreak led to the biggest daily drop in the FTSE 100 since the financial crisis of 1987. Trying to second-guess the impact of events…

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COVID-19 effects on retirement planning

The coronavirus (COVID-19) is having a widespread impact across all aspects of financial life, including retirement plans. The current global stock market turbulence, as a consequence of COVID-19, will no doubt be concerning for individuals whose pension savings are invested partly or fully during these volatile market conditions. However, making decisions based on what’s happening…

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New TIPS Financial Magazine

The latest edition of our TIPS financial magazine is now available to download form our website. It’s been a very challenging time for many of our clients, their families, their employees and the wider business community. During this difficult time, we hope you’re staying safe. The ongoing news of the impact of the coronavirus pandemic…

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Financial guidance during the coronavirus pandemic

We realise these are uncertain times for all so we’ve put together some factsheets to provide you with some financial guidance during the coronavirus pandemic. Our independent financial advisers are still available to speak with should you have any questions or need advice on your financial plans and goals.

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Coronavirus investment scams

There are currently a lot of coronavirus investment scams out there; if it sounds too good to be true, it probably is. Fraudsters are getting more sophisticated, particularly with investment scams. They can be articulate and financially knowledgeable, with credible websites, testimonials and materials that are hard to distinguish from the real thing. From simple…

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