Active versus passive fund management – which is best?
One of the most enduring debates in the world of investment management is that between active and passive management. Which one provides clients with the best outcomes? Active management Active managers build portfolios by choosing to invest only in companies…Read more
Budget Summary 2011
The Chancellor presented his first budget since the autumn’s spending review, which outlined the Government’s cuts programme on Wednesday, 23rd March 2011. From the outset we knew that this budget was aimed at reflecting the Government’s stated priorities of a…Read more
Retirement Planning for Baby Boomers
An article in the Sunday Telegraph questioned whether baby boomers, now in their fifties, are well prepared for retirement in ten years time. The article also outlined positive steps that could be taken over the next ten year period to…Read more
Financial Planning for a longer life
In the work of the Office of National Statistics each of us is a number, part of crunching and analysis that produces a profile of our population and its trends. What comes out in regular reports is statistically significant and…Read more
Take action before the tax year ends. Time is running out!
The current tax year will end on 5 April. If you haven’t already taken advantage of the various allowances and exemptions you’re entitled to by that date, you’ll lose the benefits they provide. That’s because most of them cannot be…Read more
Are first time buyers getting older?
An aspect of the first time buyer’s market is highlighted in research by property website Globrix.com. It states that 38% of aspiring first-time buyers anticipate being 40 or older when they buy their new home. A further 8%, or one…Read more
Public Sector Pensions – background facts and commentary
The publishing of Lord Hutton’s final report on public sector pensions in early March 2011, prompted a hot debate about the fairness of the recommendations and the necessity of making changes. Years ago it seemed to be widely recognised that…Read more
Hot off the press…
We’re making headlines! To coincide with the launch of Santorini Financial Planning we were recently featured in Citywire – read more here…Read more
The cost of bringing up children
LV the countries largest friendly society, has for a number of years been carrying out annual research on the cost of having children from birth to 21 years of age. The latest survey report published earlier this year shows that…Read more
Increased protection for savings
The compensation limit for people who lose money if their bank, building society or credit union goes bust was increased on Friday 31st December 2010, from £50,000 to £85,000. Compensation will be paid by the Financial Services Compensation Scheme (FSCS)…Read more
February Market Commentary
Overview The month has been dominated by the unsettling events in Egypt which have concerned investors across the globe. Markets have reacted negatively to the events, with the consolidated fear that the unrest will have repercussions for the wider Middle…Read more