Investment Archives - Moore Stephens Financial Services

Auto-enrolment is yesterday’s news – now its Re-enrolment that you need to worry about

Posted by | News, Pensions | No Comments

  Employers in the UK started to automatically enrol their employees into workplace pensions in 2012 when they reached their staging dates, however, the employers affected at that time were mostly blue chip UK names such as Tesco who employee 476,000 people. Our clients started to reach their staging dates in early 2014 and so they have been running workplace pensions for approaching three years. The three year mark is…

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Trump in the White House – Why a change of investment strategy is needed

Posted by | America, Election, News, Politics | No Comments

As the world now knows, Donald Trump will be the 45th President of the USA. 12 months ago, this result would have seemed utterly outlandish, but over the past couple of weeks, particularly since the FBI’s last intervention in the Clinton email saga, a Trump victory has actually been the more likely outcome. I suspect the ramifications of the election, the way it was conducted and the various accusations made…

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Inflation – A scourge from times gone by

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For many in our society the term inflation, the measure by which prices are rising, is simply an oft quoted statistic that bears little relevance to people’s lives. However, those of us old enough to remember the 1970’s and 80’s are likely to have a very different view. Inflation was a constant concern during those years and was sometimes out of control leading to several economic crises. Over the last…

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Why investment diversification matters

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As global stock markets end a turbulent week, the FTSE 100 ended the week higher than it started. That may come as a surprise as it has undoubtedly been a rocky ride to get to this point. To be clear, if global stock markets enter an inexorable downward spiral at the present time, no amount of logic will stop them. The facts that we clung onto last week are that…

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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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Pensioner Bonds

Pensioner Bonds, blink and you might miss them

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National Savings & Investments have announced the interest rates applying to their eagerly anticipated Pensioner Bonds. 1 year fixed rates of 2.8% AER and 3 fixed rates of 4.0% AER are far in excess of the rates available either on the High Street or via online accounts. The fact the rates are attractive is no surprise, as they are designed to be a nod to the long suffering savers who…

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Fund Manager transfer deadline day?

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Last week saw the football transfer deadline day come and go. The hype which surrounds it is crazy, but it reminds us that it is all about finding that star player and assuming that he will just turn it on again at his new club in exactly the same way. A story about Skandia last week evoked similar theory. Skandia advised all clients that they would be automatically switched out…

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The Woodford effect

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2014 is proving to be the year of the ‘Woodford’ in terms of investment funds. Every publication we pick up, every advertisement from fund supermarkets is all about buying Woodford at the most competitive price. From our perspective though, is any price worth paying? For those unfamiliar with this star of the investment world, Neil Woodford is the former manager of the multibillion pound Invesco Perpetual income funds, aside from…

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