moneymatters Newsletter - November 2019

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The latest edition of our moneymatters newsletter is now available to download. Inside this issue, we look at a number of the topical financial stories making the news agenda

Creating and maintaining the right investment strategy plays a vital role in securing your financial future. But we live in the era of the 24-hour news cycle, and ‘bad news sells’. The investment world can be unpredictable and investors currently have plenty of bad news to process, with a plethora of events making the daily and even hourly news headlines – from the US-China trade conflict and oil price volatility to Britain's exit from the European Union. On page 06, we consider why it’s important to stay positive and focus on your investment goals.

Once we enter January, the end of the 2019/20 tax year will be just over three months away on 5 April. As this date approaches, the window of opportunity reduces if you want to make the most of valuable allowances, reliefs and exemptions that could help reduce your tax bill and make sure your finances stay tax-efficient. Read the full article on page 04.

On 3 October, campaigners lost a significant legal battle against the Government's handling of the rise in women’s State Pension age. The retirement age for women has increased from 60 to 65, in line with men, and will go up to 66 by 2020, and to 67 by 2028. Nearly four million women have been affected by these changes. On page 08, we consider the impact of the High Court's decision.

Also inside this issue, we look at whether some people are ‘sleepwalking’ into retirement and how much you will need to save to afford a comfortable retirement. We assess, too, how the financial implications of divorce, added to the emotional upheaval, can be difficult to deal with. A full list of the articles featured in this issue appears on page 03.

 

Latest Blogs

  • The latest edition of our moneymatters newsletter is now available to download. Inside this issue, we look at a number of the topical financial planning stories making the news agenda. [...]

  • At the time of writing, the UK Government said it is ‘ready and willing’ to do a deal to leave the EU if new terms are negotiated with Brussels. But the new Prime Minister, Boris Johnson, has vowed the UK will leave the EU ‘come what may’ by 31 October – the date the UK must depart if no deal has been reached. [...]

  • Gemini Professional Financial Group, the professional services company headquartered in Sutton Coldfield, recently held its 10th annual golf day in support of its new Charity Partners – The Michael Lewis Foundation and Remap UK. [...]

  • Saving for your child’s future is a fantastic way to help them pay for some of life’s big expenses when they get older, such as University, marriage or buying their first home. Yet many parents face the dilemma of whether they want their child to have access to the money set aside once they become an adult at 18, fearing they’ll squander the cash before they can use it for something important. [...]

  • 7 months ago

    Having delayed Brexit from 29 March to 12 April, Prime Minister Theresa May agreed a new Brexit deadline of 31 October with EU leaders [...]

  • With Brexit still unresolved and the clock counting down to the 29 March deadline, Prime Minister Theresa May announced that a second “meaningful vote” on her Brexit deal will be held today. If the Government loses the vote, it will table a motion asking MPs if they support leaving with “no deal”. If MPs reject this motion, the Government will seek to extend the Brexit deadline. [...]

  • 10 months ago

    Gemini Professional Financial Group is proud to announce their sponsorship of the Moseley Rugby Club’s Under 14’s Team [...]

  • Individual Savings Accounts (ISAs) are tax-efficient savings vehicles that allow you to save and invest without having to pay income tax or capital gains tax. They can be a good way for people to start saving or to add to their existing portfolio of savings and investments. [...]

  • 2018 proved to be the worst year for global markets since 2008. The MSCI World Index fell by 10.4% over the year as a whole, dragged down by widespread economic and political concerns. Markets seesawed during December as investors reacted to newsflow over Brexit, trade tensions, and the prospect of a shutdown of the US government. [...]

  • Philip Hammond, the Chancellor of the Exchequer, delivered his third Budget to Parliament on 29 October 2018 and what should be the last one before Brexit in March next year. What should you take away from this year’s Chancellor’s Autumn Budget 2018? [...]

  • A new study highlights the value of employee benefits to SMEs and their employees. For SMEs, the balance between boosting the bottom line and ensuring employees are paid fairly is something of a tightrope. [...]

  • Gemini Professional Financial Group, the financial services group headquartered in Sutton Coldfield, recently held its 9th annual golf day to support it’s two Charity Partners – Acorns Children’s Hospice and Sutton Cancer Support Centre [...]

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