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PLANNING FOR THE NEW YEAR (2019)
The start of the year is the optimum time when you may be thinking about resolutions and plans for the year and beyond. As you think about 2019 and your goals for the coming year, we’ll help to start you off on the right financial footing.
PLANNING CAN SOMETIMES BE A MATTER OF LIFE AND DEATH
While I try to avoid sending out too much material here is something I recommend you review if we haven’t already discussed this personally face to face! Written by a friend.
GUIDE TO SPRING STATEMENT 2019WHAT SHOULD YOU TAKE AWAY FROM THE CHANCELLOR’S STATEMENT?
With all the recent Brexit developments your attention may have been diverted from the Spring Statement made by the Chancellor on Wednesday! Given the tax year end (5th April) is approaching you may want to check you have used any Allowances and Planning opportunities. If you would like to have a chat please get in touch before it’s too late.
Cash is not king when it comes to long term goals
Source: Morningstar Investment Management calculation, Morningstar Direct data to 28 February 2019. Returns are month-end data points in GBP and normalised at 1 on 30 June 2016. Past performance is not a guide to future returns.
Given the recent string of events, I wanted to take this opportunity to comment on Brexit. Beyond the daily (or hourly) swings in prices, we can see UK company shares are up around 20.6% since the initial vote (in aggregate including dividends), UK corporate bonds are up 8.5% and cash has gone sideways. This can be seen in the chart above So, looking backwards, it would have been a mistake to put your money under the pillow. Looking forward, it’s likely to be a mistake too. Here is an interesting thought – UK shares have beaten cash in every 20-year period in its history. We normally recommend your savings are spread across many different assets and regions to diversify your returns and reduce risk —with the aim of meeting your own specific plans for the future.
PRIME MINISTER THERESA MAY’S DEPARTURESOME SCENARIOS FROM UBS