Here you will find our latest client bulletins and any other noteworthy news we can bring you
Sage advice
- Published on Monday, 13 February 2012
Perhaps the biggest difficultly we have with regard to investing significant sums on behalf of clients is the short term “noise” both in terms of gyrating current valuations and the confusion caused by pundits who it has to be said usually have some form of vested interest in their prognostications. Through all of this an 81 year old man continues to issue investment letters which make sense:
Important Changes To USS Pension
- Published on Monday, 06 February 2012
We do a lot of advisory work for high earners in the USS pension scheme. The USS have just updated their rules to try and assist those members who may breach the Annual Allowance or Lifetime Allowance tax limits.
2012 Investment Outlook
- Published on Thursday, 02 February 2012
Whilst pontificating about what might or might not happen in investment markets is a "mugs game" it is still an interesting and fun pastime for many investors.
Pensions and Divorce
- Published on Tuesday, 24 January 2012
We have recently updated our notes for those contemplating what to do in this area, if you wish to know more follow the following link:
Pensions and Divorce (an introduction)
If we can help further to email us.
Trust and Charity Investments
- Published on Tuesday, 24 January 2012
At Swallow Financial Planning we manage investments for a wide range of structures including many trust arrangements. We have found that many trustees (and their advisers) are uncertain as to what their obligations are with regard to the management of the investments under their control.
Absolute return Funds
- Published on Wednesday, 18 January 2012
Andrew Swallow wrote an article for the Kensington and Chelsea Today magazine recently. You can see it in full at:
http://www.kensingtonandchelseatoday.co.uk/business-and-finance/2twgi69lhz.html
A Summary Of The Autumn Statement
- Published on Wednesday, 30 November 2011
The problem George Osborne has is the Pandora’s box he has created by setting up the office of Budget Responsibility as an independent body to produce economic forecasts and to judge the progress of the government fiscal targets. The idea behind the OBR was sound, the Labour administration had made a complete cods of the country’s finances but were masters of spin and hence were able to persuade the electorate that all was well. The OBR would mean that such manipulation of figures could not happen again.
Barely a year later the OBR is doing it’s job, unfortunately what it is telling us isn’t what George Osborne was hoping for!
So George is in a fix. He desperately needs some Keynesian spending to get the economy moving again but he hasn’t got any money to do this otherwise his borrowing reduction plans (which to date mean borrowing increasing plans) will look even more tenuous than they do now and we shall see the 7% bond yields which have brought down Italy, Spain and Greece.
HMRC Change to Carry Forward Rules
- Published on Wednesday, 30 November 2011
On Monday HMRC announced their intention to change the carry forward of unused pension contribution for the transitional period 2008/9 to 2010/11
Newton Private Clients
- Published on Monday, 28 November 2011
Newton Private Clients have announced that they will no longer be able to deal with discretionary portfolios of less than £500,000. Swallow Financial Planning are pleased to offer Newton clients an alternative service.
ISO 22222 Achievement
- Published on Wednesday, 23 November 2011
The CII have published their list of ISO 22222 approved financial advisers and we are pleased to confirm Andrew Swallow is one of only 9 advisers qualified to this high level within the Chartered Insurance Institute (Standards International tell us there are fewer than 100 in the UK).
The Financial Crisis And The Common Man.
- Published on Sunday, 13 November 2011
We all look aghast at the G20 meeting in France and the shenanigans of the Greek and Italian governments with regard to their debt crisis however what do all these huge figures actually mean?
Lifetime Allowance and Fixed Protection Update
- Published on Friday, 28 October 2011
Time is running out to make an informed decision on your Lifetime allowance and the new Fixed Protection regime
Are You Struggling To Carry Forward?
- Published on Tuesday, 13 September 2011
The Carry Forward regulations and rules and mind numbingly complex.
Don't Get A Cuckoo In Your NEST!
- Published on Tuesday, 13 September 2011
The new compulsory national private pension scheme will be the biggest government gamble with the savings of a generation since the contracting out ideas of the mid 1980's.
Investment Update
- Published on Tuesday, 13 September 2011
Our latest update on the state of the world economy and the investment opportunities available can be downloaded from this site
Lifetime Allowance and Fixed Protection Update
- Published on Friday, 28 October 2011
The Lifetime Allowance for pension plans falls from £1,800,000 to £1,500,000 WEF April 2012. This will bring far more people into the 55% LTA tax charge and it will hit those in final salary schemes particularly badly
Junior ISA Regulations published
- Published on Tuesday, 02 August 2011
This week, as anticipated, the Government laid detailed Regulations, amending the existing ISA (Individual Savings Account) Regulations, to provide for the establishment of Junior ISAs. It has confirmed that Junior ISAs will have the following key features:
Equities In Turmoil
- Published on Monday, 08 August 2011
Once again it seems the equity markets are on a Rollercoaster ride due to the nervousness over bank borrowing but what does this mean for client savings?
Put Your LPA Into Force Now!
- Published on Saturday, 16 July 2011
Whilst we prefer a client's legal advisers to undertake lasting powers of attorney we do for some clients undertake the task on their behalf. Unlike most solicitors we always put the LPA into force despite the fact that the individual giving the LPA is in perfect health.
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