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Financial Planning In Your 50s: A CRUCIAL DECADE
As we approach the end of the year, taxpayers should begin assessing their tax obligations. By understanding your tax obligations early on, you could avoid unwelcome surprises (see Page 5). We also consider Timing the Market (see Page 10), strategies to minimise Retirement Tax (see Page 6), and to create Positive Impact on Financial Wellbeing (see Page 19). For a full list of contents, please see Page 3. If you are sailing into your 50s, it becomes pivotal to consider your financial strategy. We understand that knowing where to begin can be daunting, whether you are aiming to maximise your earnings or lay down a robust financial plan (see Page 9). With our guidance, you can develop and adapt a strategy designed to help you achieve your financial objectives. Our role is to remove the effort from managing wealth, allowing you and your family to enjoy it instead. Do not hesitate to contact us for more information about how we can help you visualise your financial future.
Autumn Statement 2023WHAT DOES IT MEAN FOR YOU?
The Chancellor of the Exchequer, Jeremy Hunt, unveiled his 2023 Autumn Statement on Wednesday 22 November, alongside an updated economic forecast from the Office for Budget Responsibility. The Statement covered a number of areas including growth, cutting National Insurance, State Pension increases, Business Capital Allowances and the Lifetime Allowance (LTA) Abolition Our detailed Guide to Autumn Statement 2023 looks at these key announcements. If you require further information or want to discuss how the announced measures could affect your finances or business, please contact us for more details.
PRE END OF YEAR TAX PLANNING​
Welcome to our latest issue. As we approach the end of the current tax year on 5 April 2024, it’s an opportune moment to examine both your personal and business finances to ensure they are structured to optimise your tax efficiency. Despite the ongoing freeze on many tax rates and thresholds, numerous strategies remain for efficiently organising your financial matters, Investment scams are a rising concern, promising potential investors the allure of making a significant amount of money swiftly and effortlessly. These scams often involve minimal to no risk investments in various areas such as financial markets, property, cryptocurrencies and precious metals and coins. A complete list of the articles featured in this issue appears on pages 02 and 03.
Risks : Buying Investments can involve risk. The value of your Investments and the income from them can go down as well as up and is not guaranteed at anytime. You may not get back the full amount you invested. Information on past performance is not a reliable indicator for future performance. This information is intended for educational purposes and should not be considered a recommendation to buy or sell a particular security. The views expressed here are subject to change without notice and we can’t accept any liability for any loss arising directly or indirectly from any use of it.
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MARKET INSIGHTS: THINK TWICE ABOUT CHASING THE BIGGEST SHARES​
Sometimes it’s a matter of context and history. Looking at the largest equity market in world it’s interesting to note average annualised outperformance of companies before and after the first year they became one of the 10 largest in the US. BR> This is a cautionary tale for investors expecting continued outperformance of the biggest companies in the world. In fact, rather than seeking additional exposure to these mega cap shares, investors should ensure their portfolios are broadly diversified to capture the returns of whatever companies ascend to the top in the future. ​
Past performance is not a guarantee of future results.
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As companies grow to become some of the largest on the US stock market, their returns can be impressive. But not long after joining the Top 10 largest by market cap, these shares, on average, have lagged behind the market. • From 1927 to 2023, the average annualised return for these shares over the three years prior to joining the Top 10 was more than 25% higher than the market. • Five years after joining the Top 10, these shares were, on average, under performing the market—a stark turn around from before. The gap was even wider 10 years out. • Given the uncertainty we usually recommend a broad range of investments to reduce risks for our clients. Expectations about a firm’s prospects are reflected in its current shares price. Positive news might push prices higher, but those changes are not predictable.​
Risks : Buying Investments can involve risk. The value of your Investments and the income from them can go down as well as up and is not guaranteed at anytime. You may not get back the full amount you invested. Information on past performance is not a reliable indicator for future performance. This information is intended for educational purposes and should not be considered a recommendation to buy or sell a particular security. The views expressed here are subject to change without notice and we can’t accept any liability for any loss arising directly or indirectly from any use of it.
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MARKET INSIGHTS: MARKETS TEND TO DISREGARD UK ELECTIONS
As we have all noticed in recent weeks elections generate lots of headlines. So it might seem like an important consideration when making investments Vanguard have analysed the performance of a balanced portfolio of 60% UK shares and 40% UK bonds between January 1987 and May 2024. During that time, there have been 10 general election periods in the UK (including the election on 4 July). They looked at portfolio performance in the period from the five months before each election to the five months after and then compared this with performance during other times and found no statistical difference in portfolio performance! They also analysed the performance of UK and global stock markets between January 1995 and December 2023, during which period there were seven general elections. The chart below shows that the elections had a minimal impact on stock market performance.​
Assessing the implications of a new government and then trying to profit by timing the market rarely works, even for seasoned professionals.
Hopefully the above illustrates that planning with your long term goals in mind, keeping perspective and being disciplined are likely far more rewarding.
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Risks : Buying Investments can involve risk. The value of your Investments and the income from them can go down as well as up and is not guaranteed at anytime. You may not get back the full amount you invested. Information on past performance is not a reliable indicator for future performance. This information is intended for educational purposes and should not be considered a recommendation to buy or sell a particular security. The views expressed here are subject to change without notice and we can’t accept any liability for any loss arising directly or indirectly from any use of it.
To discuss your financial requirements or obtain other information click below
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