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2019 May Be A Testing Time

In these uncertain times, many savers and investors are holding large sums as cash within their bank accounts and investments. Yet they are invariably getting no interest on these deposits. So action is required if they want the potential to at least meet inflation, currently standing at over 2.5%.

The expectation is that performance of the financial markets in 2018 should be a reasonable guide to what lies ahead in 2019, with greater volatility playing a major role. The feeling is that Equities will lead the way in 2019, albeit via a bumpy road.

Investors should expect lower and more variable returns than those seen in 2017 and the sentiment is that buy and hold is the best strategy. But to weather the storms ahead investors need to hold a well-diversified portfolio that is actively managed. Management of volatility is key so Multi-asset funds should be of interest to investors.

This communication is for informational purposes only and is not intended to constitute, and should not be construed as, investment advice, investment recommendations or investment research. You should seek advice from a professional adviser before embarking on any financial planning activity. Whilst every effort has been made to ensure the information contained in this communication is correct, we are not responsible for any errors or omissions.

Other News

Pension Transfers – the need for advice

Island in the shape of the euro signThe UK government has admitted there are not enough pension transfer specialist advisers to deal with demand, particularly in the case of more complex transfers into overseas pensions. This was the government’s response in March to a consultation launched two years ago, on whether the need to take financial advice, introduced with pension freedoms, created difficulties for overseas residents – residents such as those living in Cyprus wishing to transfer their pension savings from the UK to a qualifying recognised overseas pension scheme (QROPS).

According to data from HM Revenue and Customs (HMRC), there were just short of 10,000 transfers to a QROPS in the 2016/2017 tax year. However, from these, only transfers of more than £30,000 would be subject to the advice requirement.

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Disposing of a family business upon retirement

While running a business is part of a complex web of duties and responsibilities to stakeholders, running a family business presents a unique set of challenges, trials, and tribulations. Partnering with family members in a professional capacity and operating a business with which you have sentimental ties can be exceptionally rewarding, albeit taxing at times. […]

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