News Archives - Page 2 of 7 - Moore Stephens Financial Services

Property – The asset class changed forever

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Following the Financial Crisis of 2008, in my opinion one asset class changed forever: property. The events of 2016 and the post Brexit fallout highlight how short term memory afflicts so much of the investment world, as property finds itself in the eye of the storm again. Firstly, don’t get me wrong, I don’t think a Brexit leave vote is akin to the global financial crisis by any stretch of…

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Brexit – Where now for investments?

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As the FTSE 100 ended last week at pre EU referendum levels, the so called Project Fear campaign has been derided as a doomed prophecy. The theory being that markets have seemingly recovered strongly and so the fears over a “leave” result were unfounded. There can be no denying the FTSE 100 finished last week strongly, but look more closely and the underlying component parts of the index were behaving…

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Workplace pensions – “my employees will just opt out”

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Despite that we are now approaching the final months for employers to introduce a workplace pension to meet the auto-enrolment legislation introduced in 2012, we continue to hear the refrain from some employers that they will do the minimum required to comply, as they are sure that their employees will all just opt out. Of course, the requirement is for employers to implement a suitable pension scheme to comply with…

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EU Referendum – All aboard the gravy train

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On June 23rd the EU referendum will be held and the British public will be asked to vote on whether the UK should remain in, or leave the European Union. From my discussions with clients over the last few months it has become clear that many are unsettled about the issue. Whilst there are some who strongly believe that we should leave and of course those who feel we should…

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Axa’s recent tobacco decision

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Axa’s recent decision to pull out of tobacco companies has been met with a raised eyebrow by many in the investment industry. Whilst tobacco companies continue to form a large part of many UK equity funds, with investment luminaries such as Neil Woodford consistently holding them for their stability and reliable income stream, AXA has stated its decision is based on investment grounds as well as ethical considerations. According to…

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China – Crouching Tiger?

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Much has been made in recent months of the slowdown in the Chinese economy with GDP growth recently falling to 6.8%. At first glance you might be wondering what’s wrong with growth at this level since most western economies are struggling to grow at more than 1%. The point is that for China this is the slowest growth rate since 2009 and so, some are now questioning China’s future prospects….

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When it comes to investment, boring is best

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Last week saw the sacking of US online website, Lending Club’s, chief executive. Lending Club is the US’ biggest peer to peer lending site and has hit problems as a portfolio of loans turned out not to be what investors thought they were buying. The US’ peer to peer lending industry is not regulated in the same way as the UK’s and it is widely thought that the FCA have…

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Brexit – the predictions so far

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The Brexit vote is now just weeks away, but I’m still not sure the right information is reaching the public amongst the noise of political infighting. For many, Brexit is a significant concern, not least because there is a dearth of informed opinion available on the subject. There is no lack of column inches or headlines, but very little in the way of fact. Everyone has an opinion and that…

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Lifetime ISA vs your workplace pension

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In almost all circumstances, your workplace pension, which includes employer pension contributions will offer better value than a Lifetime ISA (LISA). This may be a bold statement to make, but the maths stack up. The LISA allows you to contribute up to £4,000 per annum from April 2017. On top of your £4,000, the Government will add a 25% bonus, thus meaning the maximum annual amount which could be saved…

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Capital gains tax – 2016/17 tax rates and the under-used annual allowance

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Capital gains tax applies to the sale of most investments, but different rates apply depending on what type of asset the gain arose from. Many people don’t realise that each individual is automatically entitled to a capital gains annual allowance. In the 2016/17 tax year, each person is able to incur capital gains of £11,100 before any tax becomes due. George Osborne announced in his March 2016 Budget that once…

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