The world of finance is often unfathomable. It is therefore paramount that the client is not only confident in their adviser’s planning, but they can also see the broader picture.
The following documents are designed as generic explanations of what can be highly complex issues. Do call or email our office if you need any further help.
Use the filters on the right to help find the information you are after.
Our Approach To Investment Management
Categories: Investment PlanningIt is important to understand how your adviser approaches the purchase and management of your investment funds. These notes are designed to explain briefly the Swallow Financial Planning methodology.
Whilst our investment style is bespoke to each client, we have over recent years begun to create a standardised approach to our Asset Allocation Process.
A Background To Our Fund Choices
Categories: Financial Planning > Investment Planning > PensionsOver many years, we have invested in every type of collective investment available. We have used managed funds, multi-managed funds and passive funds. This note explains our current thinking when we choose the funds for our clients to invest in.
An Introduction To Investments
Categories: Financial Planning > Investment Planning > PensionsThis document summarises all of our main explanations of our approach to investment management and evidence based investing. At Swallow Financial Planning we follow what is called “evidence based” investing. Whilst the name is self-explanatory, as so few advisers take the same stance as us we have explanatory notes to help you understand what we are doing and why it works.
Why Do We Prefer Passive Investments?
Categories: Investment PlanningThis note explains the evidence based reasons for our choosing Passive rather than Acitive investment funds.
An Introduction to Risk Profiling
Categories: Financial Planning > Investment Planning > Later Life > Mortgages And Loans > PensionsAn essential part of being able to provide ongoing investment advice is for us to understand your risk profile. By this we mean to determine your aversion to taking risks with the capital value of your investments. These notes are designed to dovetail with our further notes on asset allocation and our asset allocation report.
Investment Update – January 2021
Categories: Articles > Investment Planning > NewslettersSuitable investments for trustees
Tax Treatment Of Pension Death Benefits
Categories: PensionsRecent changes to the rules for pensions have radically changed the approach of advisers with regard to pension savings. The following notes are designed to give our current views as to the options available to clients.
Which Pension Plan is Right For Me?
Categories: Financial Planning > Investment Planning > PensionsThe following is a summary of the main pensions options available to most individuals. These are the savings options, when you want to take your pension benefits you need to consider the whole raft of different options available to you for drawing your pension.
Options When Taking Your Pension
Categories: PensionsThe purpose of these notes is to try and explain some of the common options available when you come to take your retirement benefits from a money purchase type pension plan.
These notes are our current understanding of the rules that govern the use of salary sacrifice to enhance pension savings.
Workplace Pensions & Auto Enrolment
Categories: PensionsThe following is a summary of the current position of the new state workplace pension automatic enrolment pension scheme.
Lifetime Allowance Protection Explained
Categories: PensionsOne could forgive clients and providers alike for being “punch drunk” over the changes to pension plans over the last 15 years. The government is desperate for more tax and pensions is an easy target, since limits on relief and tax on bigger pension funds only hit a relatively small proportion of the better off.
The latest news from Swallow Financial Planning and the financial industry
NS&I have announced a zero interest rate policy commencing November 24th 2020. Not only is this unprecedented but, in addition to a...
The 2020 March budget has all but been forgotten amidst the current Covid-19 pandemic. The following is our summary of the key...
Many clients will have seen that Bricks and Mortar investment funds have been suspended. Bricks and Mortar funds own physical property. Real...
The latest news from Swallow Financial Planning and the financial industry
