How much should I keep in cash?
The value of investments can fall as well as rise. You may not get back what you invest.
What to do when investments go down in value?
What to do when investments go down in value? If you currently have money invested in “the stock market” the last 6 weeks have potentially been very volatile. We have seen several key market indices decline in value compared to recent highs including the UK, US and European markets. As you can imagine this has […]
Top tips to help you get the most from your financial adviser
Top tips to help you get the most from your financial adviser You have made the decision to engage with a financial adviser and ideally, you only want to make the choice of which financial adviser just the once. It is therefore important to make sure you get the most from your chosen financial adviser. […]
Life Time Allowance charge – Don’t fall in the traps!
Life Time Allowance charge – don’t fall in the traps! Saving money into a pension is an important way of building tax efficient funds for use in your retirement. HMRC has made some important changes to how much you are able to amass within a pension. Not only with significant reductions in the annual allowance […]
Pension Scams & How to Avoid Them
Pension Scams & How to Avoid Them The average amount of money lost, by victims of pension fraud in 2018, was £82,0000. Considering that this is only the average, it is a startling figure and it is also believed that a large amount of pension scams goes unreported or the victims may not realise they […]
Lettings Relief Changes: £40,000 due to be withdrawn in April 2020
Lettings Relief Changes: £40,000 due to be withdrawn in April 2020 If you own a second property that you used to live in, the level of lettings tax relief against capital gains tax will be changing significantly in April, so now could be the time to consider selling. Why? The government are planning to half […]
The value of advice
I have recently been meeting with a raft of new clients who have been referred to Wingate from several different sources. One thing that the majority of them have in common is that they are interested in what “extra value” having a financial adviser can add over simply “going it alone” and doing things themselves. […]
3 pots for successful financial planning
Clients often ask me; How much do I need to keep in cash? How much should I invest? How long should I put it away for? What do I do if I need my money out? To help answer these questions I thought I would share with you a concept I have been discussing with […]
Why reviewing your Will is so important
Relying on an inheritance from a family member is becoming an important part of financial planning for many people. A report by Sanlam UK revealed that 64% of people aged between 25-45 expect to receive inheritance from parents and grandparents so are putting off saving as a result. Therefore, it is no surprise that in […]
Self-employed – make the most of your profit with a pension
What makes your business successful? The answer is probably, you. This will normally mean that you are hands on with most aspects of your business. Attracting new clients, looking after existing clients, finance, marketing, recruitment, HR, auto enrolment, planning/stockpiling for Brexit etc. Doing all this does not leave much time for anything else, let alone […]
