April 2015 - Moore Stephens Financial Services

The UK election and the economy

Stock markets and the UK election

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The UK election machine is in full flow with the usual woolly rhetoric designed to outdo other parties rather than tell the British public and corporations what will actually happen as a result of electing them to power. In essence, there is an element of scaremongering going on. What does this mean for markets though? Inevitably, there is a little bit more volatility on a daily basis, but we are…

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Bonds and gilts

Bond funds, but not as you once knew them

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Increasingly the fixed interest element of portfolios is the part that feels the most risky. That is a statement which in most market cycles would seem perverse, but today it feels right. Bond funds are meant to be the risk reducing element of portfolios. The part which should produce a yield of around 3-4% per annum with potentially a small element of capital return. The problem is bonds haven’t behaved…

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Access to cash

Cash ISAs – In case of emergency, you need access

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So the start of a new tax year comes about. The flurry of last minute ISAs has been and gone and we look ahead to what the next year will bring. In terms of cash ISAs, the coming year looks likely to bring very little again. Even on prolonged fixed terms, the rates are typically under 2% and if anything, they continue to fall. It could be argued that the…

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