Stock Market Volatility – Stay Disciplined

Investment discipline can be difficult. Despite best intentions many investors chase performance and react emotionally to market swings. Trying to adapt to changing market conditions and altering investment holdings is speculating and often leads to increased costs...

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Avoid The Gender Pension Gap

  With so much media attention currently being given to the disparities between men’s and women’s salaries within large organisations, and equal pay for equal value issues in general, you may not be surprised to learn that the gender gap in pension funds is also a...

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Family Mediation Awareness 

Family Mediation Week aims to raise awareness of mediation and how it can help separating families manage their issues collaboratively and productively. Here at The Financial Planning Group we have 25 years experience working in conjunction with solicitors to achieve...

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Equity Release Booms – But What Are The Other Options?

Figures released this week the Equity Release Council show this form of lending reached record numbers in 2017 – more than £3 billion was lent to home owners in this sector, growth of 42% on the previous year.  The final quarter’s lending alone totalled £833 million,...

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Insuring Women’s Futures

Insuring Women’s Futures (IWF) is a programme established by the Chartered Insurance Institute (CII), aimed at promoting and enhancing the insurance industry’s role in relation to women and risk. The UK insurance industry alone contributes £29bn to GDP and employs...

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Don’t Become A Crypto Investment Casualty

If you’ve had your ears pricked recently by reports regarding amazing returns from investing in Bitcoin or other Crypto currencies, or investigated other buzzword topics such as Blockchain technology, then it can be quite a baffling learning process to even...

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Platinum Rating For FPG’s Wrap System

The Financial Planning Group are delighted to announce that our main WRAP provider, Standard Life, have qualified for an AdviserAsset Platinum rating for the third year in a row – one of only five UK WRAP providers to receive the highest platform rating. The Platinum...

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Divorce Day Advice

The first working Monday of the New Year has been dubbed ‘Divorce Day’ by lawyers who witness an annual spike in demand for their family law services – unfortunately the season of good will is far from that for many couples – and the extra financial strain that...

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Supporting Crisis & Shooting Star Chase This Christmas

The Financial Planning Group have donated to two charities close to our hearts this Christmas, instead of sending Christmas cards. Crisis Crisis at Christmas is a unique volunteer effort that provides immediate help for homeless people at a critical time of year. By...

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Homeowners Need To Be Savvy

Savvy UK homeowners are taking advantage of a unique economic landscape – in which further interest rate rises are predicted in conjunction with a myriad of near record low fixed term mortgage deals – ensuring they are protected against unexpected hikes in the medium...

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Autumn Budget 2017 – What It Means For Investors

The Chancellor, Philip Hammond, delivered his Autumn Budget to Parliament, in which he outlined sluggish growth for the UK economy over the next four years – according to Office for Budget Responsibility (OBR) figures – with weak productivity named as one factor for...

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Eight Times More Choice By Going Independent

Over half (55%) of UK consumers do not realise mortgage brokers can offer more product choice than banks or building societies, according to a report published by Legal and General. The report showed that 48% of homeowners and prospective buyers who did not use a...

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Time To React To Today’s Interest Rate Rise

The news that the Bank of England has raised interest rates for the first time in more than a decade – from 0.25% to 0.5% – may not have come as a total surprise, however, the hike should come as a wake-up call to many home owners who could have been more protected...

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Information Is Power – So Keep Your’s Secure

Phoenix, the pensions group which owns Axa, SunLife and Abbey Life, have released some worrying information that says more of its customers have reported approaches from unregulated companies after obtaining personal details about their pensions. Around 10% of the...

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Mixed Forecasts On Interest Rate Rise

Economists have once again offered contrasting views on the short-term chances of a rise in interest rates following this week’s published inflation figures that showed the UK’s Consumer Price Index (CPI) had climbed to 3%, it’s highest level in more than five years....

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Stress Test Your Pension Pot Before Taking A Dip

Ever since reforms to the Pension industry rules came into force in 2015, those over the age of 55 have been able to ‘dip in’ to their pension pots – but with those extra freedoms has come the temptation to spend in the short term on ‘living today’ rather than in...

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Pounds With Principles – Good Money Week

https://www.youtube.com/watch?v=5X-QdPtc4ZQ Sustainable and ethical investment and finance allows you to have a positive impact on the environment and society without sacrificing financial performance. Good Money Week, which runs between October 8-14, raises awareness...

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Baby-Boomers Could Be Far Better Off Taking Advice

A recent report into pension advice behaviour of those aged between 54 and 71 has found that those who had planned for their pension provision after taking professional advice were, on average, 39% a year better off in retirement than those who had made their...

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London House Prices Fall For First Time In Eight Years

September’s Nationwide House Price Index report shows that London has become the weakest performing region in the UK for first time since 2005, with house prices down 0.6% year-on-year. However, nationally, annual house price growth stable at 2.0% in September. The...

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Putting Family Finances Before Retirement?

  According to figures released this week, one in five workers aged over 50, which equates to almost 2 million people, will face having to work longer before they consider retirement because of implications caused by their children’s or parents’ financial needs. The...

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Quirky Facts About A Better Planned Future

Here’s seven quirky facts that also help focus our minds on the importance of pension planning and investing in our futures. £40,000 The current annual allowance of £40,000 could buy you one night in The Ty Warner Penthouse at the Four Seasons in New York - the...

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North Korea: Why Haven’t Markets Been Affected?

Following North Korea’s latest missile launch, and with tensions in the Korean Peninsula escalating, many concerned observers are asking why this potential for international conflict has yet to affect the world’s stock markets. Hydrogen bombs and medium range...

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Inflation Hike Leads To Interest Rate And Mortgage Fears

The Bank of England’s Consumer Price Index cost of living benchmark for August matched May’s five-year high figure, prompting talk of an interest rate hike sooner than previously expected. The Bank’s policy makers meet later this week to discuss whether to raise the...

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High Earning Families’ Child Benefit Entitlement

Reports suggest that thousands of higher-earning parents are unaware of the link between their pension contributions and their family’s child benefit entitlements. If either parent earns over £50,000 per annum then annual payments per child of £1,076 tax free start to...

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Busy Doing Nothing

If you are fortunate enough to be looking forward to unwinding by the pool, or contemplating life whilst sipping a cold drink on the beach this August, then maybe you’ll appreciate the fact that, sometimes in life, you just need to relax and do as little as possible....

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Equity Release Reaches New High

The amount of people opting to release equity from their home, rather than downsize or relocate, reached a record high in the second quarter of 2017, with over-55s withdrawing more than £700m from their homes. That is a 36% increase on a year ago and they highest...

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Inflation ‘Blip’ Triggers Mortgage Deals

The unexpected fall in the latest inflation figures seems to have seen off any imminent threat of an interest rate rise in the UK, however, some Economists see this data as a blip, meaning those looking to grab one of the currently available low rate mortgage or...

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Rate Caution After Dip In UK Inflation

  They suggest that The Bank of England (BoE) is in an anomalous position… “ The US Federal Reserve and European Central Bank are gearing up for ‘normalisation’ of monetary policy in the absence of inflationary pressure, whilst policymakers at the BoE must decide how...

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Good Advice Certainly Pays Off

Research released this week shows that people who receive either independent or restricted financial advice are, on average, £40,000 better off than their unadvised peers. The data, which is supported by Royal London, found those who received financial advice...

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Life Expectancy Rate Falls In The UK

After more than 100 years’ growth in life expectancy levels in the UK, experts have claimed there has been a sharp dip in recent years. Lifestyle choices, as well as an increase in Alzheimer’s diagnosis, are contributory factors it is claimed. The increase rate has...

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Mortgage Availability Expected To Reduce

Lenders expect a slight reduction in mortgage availability over the next three months, the Bank of England said today. This is expected to affect only borrowers with loan to value (LTV) ratios of more than 75%, and in particular those with a LTV ratio of more than...

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The Financial Planning Group Summer Newsletter

Or download the PDF version here FPGnewsletterJune17 If you would like more information on any of the topics in this newsletter, or to arrange a financial planning consultation, please fill in your details below, or call us on 0800 731 7614...

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More Tempting Mortgage Deals Announced

Barclays have launched some very attractive new residential and buy-to-let mortgages as well as sweetening many of its current deals. These include a new 1.65 per cent two-year fixed rate house purchase loan at 75 per cent LTV, with no fees and a higher value...

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Local Expertise Outperforming City Wealth Managers

For the past eight years, Wealth-X, the leading global wealth information researchers, have collaborated with the Financial Times newspaper to inform readers of the top performers in the UK’s wealth management industry. This year’s results were published in the FT...

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Bank of Mum and Dad Need To Stay Within The Rules

According to recent research, ‘The Bank of Mum and Dad’ risk incurring accidental inheritance tax (IHT) bills due to not fully understanding the rules on gifting money to family members and friends. Nervousness and confusion were cited as key factors in not fully...

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The value of investments can go down in value as well as up, so you could get back less than you invest.

Your home may be repossessed if you do not keep up repayments on your mortgage.