Market Update - a look back at May 2020

Posted by siteadmin on Tuesday 2nd of June 2020

Market Update

Like April, the last working day of May saw global equity markets fall on the back of a reported press conference by Donald Trump on China, although it ended up not being as disruptive to trade and finance as had been feared.

 Despite this, global equity markets enjoyed gains in May lifted by optimism over the easing of lockdowns put in place to contain the coronavirus pandemic and economic relief efforts by Governments, the EU and the Federal Reserve and Congress in the United States.




 performance to 29


Be vigilant and scam smart

Posted by siteadmin on Tuesday 2nd of June 2020


Warnings from a number of UK bodies, including the Bank of England, Financial Conduct Authority, National Crime Agency and Action Fraud have urged people to be vigilant about scams by fraudsters who are taking advantage of people’s fears and capitalising on the COVID-19 crisis.

Huge increase in cases

Action Fraud has released figures showing that reports of scams had increased by 400% in March. The majority of reports concerned online shopping scams, with victims purchasing protective products (such as hand sanitiser or face masks) that ...

What is cashflow modelling

Posted by siteadmin on Thursday 28th of May 2020

“In this world nothing can be said to be certain, except death and taxes.”

Financial planning is all about preparing for those things that may not be so certain (and taxes). Plans should be reviewed regularly so they adapt to changes in your circumstances and reflect developments in the wider economy and financial markets.

Cashflow modelling, sometimes known as cashflow forecasting takes a view of investments, debts, income and expenditure. It takes in to account things like inflation, changes in income and interest rates.

It can then b...

Our expert advice can help reduce your mortgage stress

Posted by siteadmin on Wednesday 27th of May 2020

Moving home is known to be one of life’s most stressful events. In fact, a survey earlier this year, found the process can cause us more stress than other major life events such as having a baby, getting married, starting a new job or getting divorced.

Sorting out your finances

The biggest cause of worry for many is arranging finance for the move. First-time buyers need to save up funds for a deposit, as well as finding the right mortgage and an affordable property. Low- deposit mortgages and saving schemes, like the Help to Buy ISA (whi...

Updated Government financial support information

Posted by siteadmin on Thursday 14th of May 2020

Government financial assistance

Covid-19 measures

The 11 March Budget from the Chancellor, Rishi Sunak, initially included £7 billion of expenditure targeting the impact of Covid-19 on employees, the self-employed and businesses. On 17 March a further raft of measures was announced, amounting to an additional £20 billion of support expenditure plus £330 billion of loan guarantees.

Between 20 March and 26 March, the Chancellor made three separate rounds of announcements, including measures to support retention of employees, a range of financing options and an income repla...

Are you engaged with ‘good’ investing?

Posted by siteadmin on Tuesday 21st of April 2020

Sustainable investment

Socially Responsible Investing and Environmental, Social and Governance Investing explained.

Social and environmental change is accelerating at pace, with climate change one of the biggest issues facing humanity today. Recent climate protests around the globe have raised awareness and prompted many people to question their personal and corporations’ impact on the environment. This heightened awareness has transcended to investment preferences.

Ethical investing traversed into the mainstream as people increasingly choose to allocate their...

Spring Newsletter

Posted by siteadmin on Thursday 2nd of April 2020

Spring newsletter

None of us are where we thought we would be at the beginning of the year. With the decisive general election in December allowing Boris Johnson his mandate to push forward with Brexit, we might all have been forgiven for thinking that we could look forward to more stability in 2020. However, as the Covid-19 virus has spread into a global pandemic, it is clear that we are facing an entirely new challenge which may now last for several months.

In this climate, where the situation is changing daily, we have tried to update this edition of ou...

March Market Update

Posted by siteadmin on Thursday 2nd of April 2020

Market Update

What a month March was…

it will surely be looked back on in history school classes in the future.  As the world tries to fight the impact of the coronavirus (Covid-19) from a health perspective, many countries are in lockdown and economies are on hold.  Major governments have provided unprecedented financial support packages for business, employees and the self-employed.

All of this has led to a roller-coaster ride for global equity markets and while they have all fallen significantly during March, many have risen markedly from their low...

The importance of Staying Protected

Posted by siteadmin on Wednesday 1st of April 2020

Stay protected

Coronavirus is having a huge impact on all of our lives and, it goes without saying, that this must be a very unsettling time for everyone. Not surprisingly, we've received a number of queries from our clients in relation to protection cover and claims which I have made every effort to provide answers to in the following Q&A section.

Am I still covered?

Providing you have paid your monthly premiums with your insurer, the cover we arranged remains in place and the terms of it are unaffected by the Coronavirus outbreak. If you ha...

Focus on the Horizon

Posted by siteadmin on Friday 20th of March 2020

focus on the horizon

As the coronavirus has continued to spread around the globe, financial markets have become increasingly turbulent. The S&P 500 index of US stocks has risen or fallen by 4% or more on each of the past eight trading days while volatility (as measured by the Vix index, otherwise known as ‘Wall Street’s fear gauge’) has surpassed that seen even at the peak of the financial crisis.

Navigating these stormy waters is undeniably challenging. However, we are reminded of the advice often given to sea-sick sailors: pick a point on the horizon and fo...