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Our latest moneymatters, our financial newsletter, is now available to download. 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 that the UK will leave the EU 'come what may' by 31st October - the date the UK must depart if no deal is reached.

Even though we don’t definitively know what the impact of Brexit will be on both the UK’s and other countries’ economies, it doesn’t mean this is necessarily a bad time to invest internationally. Any well-run investment portfolio should include exposure to companies from around the world. This gives investors access to a greater range of opportunities and allows portfolios to be insulated from any shocks that could affect individual economies.

Saving for retirement is one of our greatest financial priorities, especially as life expectancy is growing and retirements are likely to last longer. It may be the case that you want to take the reins and have more control of your pension pot. Turn to page 08 to see how, for appropriate investors, one option to consider is a Self-Invested Personal Pension (SIPP).

Nobody wants to worry about how they’ll pay the bills if they become sick or injured and can’t work. But illness or injury can strike at any time and can lead to serious financial trouble. On page 28, we look at the latest government figures that report the dramatic increase in the likelihood of long-term sickness absence when we age, leading to an employment absence of four weeks or more.

Also inside this issue, we look at how to spot the warning signs if you’re approached by a pensions scammer; consider the winners and losers under the new State Pension; and if you have accumulated a number of pension pots over the years from different employers, why consolidating them could be appropriate. 

To download your FREE copy, please click here

We hope you enjoy this issue. To discuss any aspects of building, growing and protecting your future financial plans, please contact us – we look forward to hearing from you.

 

Latest Blogs

  • 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. [...]

  • 4 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. [...]

  • 8 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 [...]

  • Most over-45s are not making plans to match their hopes for the future, according to research from Standard Life[1]. The vast majority (86%) of those aged 45 or over are already dreaming about escaping their working life for retirement, but only 8% of the same age group have recently checked the retirement date on their pension plans to make sure it is still in line with their plans. [...]

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