3 important reasons for staying invested through market downturns
Posted by siteadmin on Wednesday 29th of March 2023
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The Iceburg Theory
Posted by siteadmin on Wednesday 29th of March 2023
Base Rate Rise - March 2023
Posted by siteadmin on Thursday 23rd of March 2023
- With news of record public borrowing The Bank of England has once again chosen to raise the Base Rates, this time by 0.25% to 4.25%
- The Bank of England has opted for a 0.25% Base Rate rise
- In changing times investors should keep a cool head and a well-diversified portfolio. Omnis spread your investments across different asset classes, global regions and styles which can smooth returns and reduce the risks to which you are exposed
- With the Bank of England raising Base Rates 0.25% to 4.25% diversification can help you through market uncer...
The Cost of Moving Home
Posted by siteadmin on Friday 17th of March 2023
Buying a home comes with extra costs and fees you need to be aware of – from securing your mortgage to booking the removal van.
Whether you’re a first-time buyer, downsizing or moving to your dream family home, it’s an exciting – and busy – time. It also comes with costs that could take you by surprise, so here’s a look at the ones you’re likely to come across and how we can help you through the journey.
Advice fee
We can help when you’re applying for your mortgage in principle, putting you in a strong position once an offer is accepted. ...
Finding your first home
Posted by siteadmin on Friday 17th of March 2023
Tips to finding your first home
Searching for your first home can be an overwhelming experience, but when it’s the biggest purchase of your life, you need to ensure that it’s right for you. There are so many things to consider, so to help you with one of the biggest decisions in your life, we have drawn up some helpful tips and guidance when finding your first home.
Start with an open mind
There is the danger of becoming too fixated on certain locations or certain properties. It’s important to be open when searching for your first h...
Spring Budget winners and losers
Posted by siteadmin on Wednesday 15th of March 2023
The Chancellor, Jeremy Hunt, has delivered the next part of his plan: “a Budget for long term and sustainable growth”. Read on to find out who were the winners and losers from the 2023 spring Budget.
Winners
Over-50s returning to work
In his speech, the Chancellor said that “older people are the most skilled and experienced people we have”. So, he announced steps to make it easier for those over 50 to work for longer.
Firstly, the government announced an enhancement to the “midlife MOT” strategy – offering reviews to help individuals take ...
Making sense of dividends
Posted by siteadmin on Wednesday 1st of March 2023
Companies that are doing well pay out extra money, called dividends, to shareholders. However, the amount can be taxed depending on how much money you earn
In order for a company to grow, it can sell little pieces of itself, through what are known as shares. Many well-known businesses such as Microsoft, Amazon and Shell are listed on stock markets, which means people can buy shares in these firms. If you invest in a company that makes a profit, it could pay you a chunk of this profit.
There are two ways you can earn money from shares...
Make the most of your tax wrappers
Posted by siteadmin on Wednesday 1st of March 2023
It’s a good idea to know how your investments are taxed when selling them. Here are some of the ways you can organise your assets to make them tax efficient.
One of the worst things about earning money is that you have to pay tax. Whether it’s your salary or the interest you’ve earned on your investments, the taxman will almost always take a chunk. If you sell stocks or bonds for a profit, you may need to pay capital gains tax (CGT). The good news is that if you put your investments in a tax wrapper you can shield them from the taxman...
Spring clean your finances
Posted by siteadmin on Wednesday 1st of March 2023
The start of a new year is a great time to review your finances – whether it’s your savings and investments, mortgages or insurance policies.
Higher interest rates and the rapid increase in the cost of living are likely to be affecting many areas of your finances. The start of the year is the perfect time to think about any concerns you may have and to ensure you’re making the most of your money.
Savings
After many years of low rates, savings accounts have made a substantial comeback following a series of interest rate rises from the ...
Use them or lose them
Posted by siteadmin on Wednesday 1st of March 2023
Here’s a guide to your annual tax allowances, including ISAs, pension contributions and gifts – and why it’s important to make the most of them.
At this time of year, one of the most beneficial things you can do for your money is to review your annual allowances. Make sure you’re using those that are available to you so you don’t pay more tax than necessary. The end of the tax year is on 5 April 2023 and it’s not possible to roll over most of these allowances to the following year, so if you don’t use them, you lose them.
Personal al...
