Journal




    October 10, 2017
    ‘You Would Have Made More If You Did Nothing’

    I was slightly amused last night as I watched The Apprentice – You’re Fired (guilty pleasure admitted) when one of the panel mentioned that the boys team (who made a loss on the task) would have “made more money if they had done nothing”. Now in this case it would have been true – when […]

    August 30, 2017
    The Complexity Conundrum

    As I had a conversation with a client today, I came to realise just how complex some areas of legislation have become in recent years. It seems that there is a trend for adding new elements to existing legislation or ‘retro-fitting’ old rules to fit current circumstances. The problem with both approaches, is that it […]

    May 10, 2017
    Can’t We Just Leave Things Alone?

    The continual tinkering with various tax allowances, reliefs and rates is getting a little tiresome. While I am all for positive change and simplification in this area, the opposite has been true over past years. The biggest example of these changes is perhaps the £5,000 dividend allowance, which was only introduced last tax year and […]

    May 1, 2017
    Here We Go Again!

    So it seems that we have yet another general election, just 18 or so months after the last one! It seems only yesterday that we were voting on the UK leaving the EU. The assumption, of course, is that we will end up with a larger Conservative majority than we currently have and this assumption […]

    December 20, 2016
    2016 – A Year in Review

    As 2016 draws to a close, I always take the opportunity to review what has happened in both my business and personal life, but also to consider what has happened in the wider world around me. In this latter category, 2016 has been eventful to say the least. The year started typically enough, we had […]

    November 9, 2016
    Some Thoughts on The US Election

    There was an unusual sense of de-ja-vu as I woke this morning. I would usually avoid the temptation to check my smartphone, at least until after breakfast, however today was slightly different… It would seem at the time of writing all but certain that Donald Trump will be the next president of the United States. […]

    August 15, 2016
    The Folly Of Predicting The Markets

    I think it is fair to say that the market reaction to Brexit took most people by surprise. While there were the inevitable few days of falls following the announcement of the result, the following stock market recovery across the globe was beyond the predictions of even the most respected market analysts and experts. This […]

    July 15, 2016
    Income In Retirement – Consistency Is King

    We looked last time at the importance of reviewing your investment strategy if you intend to use a ‘drawdown’ pension during retirement and leave your fund invested for the longer term. For many the biggest risk of using a drawdown pension, rather than an annuity, is that the fund will run out during their lifetime. […]

    June 21, 2016
    The Impact Of The EU Referendum – Some Personal Thoughts

    With just two days to go until the big EU vote, many clients have asked what my own views are on the potential for the UK to leave the European Union. I suspect what they are probably most concerned with is ‘what will the impact on the markets be?’. I should stress that these are […]

    June 1, 2016
    Income In Retirement – A Shift In Thinking

    With the new pension freedoms legislation now firmly part of the retirement planning landscape in the UK, the true implications of these changes are now starting to be truly understood. What is clear in our day-to-day work with clients’, is that the pension investment landscape (that is, the investment funds that we hold within our […]