What’s happening out there in the international financial markets? How will these changes affect you and your family? What new products are coming on the market? Are they any good? How do existing products really work?  Keep up with my financial advice based blog.

Take the long view

If you were fully invested in the stock market for all of 2017, You’re probably smiling right now. The S&P 500, which is often used as an indicator of how the market’s doing, finished the year up around 19 %. But how long can this really last?

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UK Autumn Budget 2017

The Chancellor, Philip Hammond has announced the Autumn Budget 2017. Here is the budget in a nutshell:

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Focus on fees

Before you invest, you should take the time to understand all of the investment fees associated with your investment.

Any investment advisor worth working with should be willing to explain, in plain English, all the various types of investment fees that you will pay.

Acronyms are often thrown around with little understanding of what the terms stand for.  Here are some of the main fees and associated terms you should know about.

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Cryptocurrency, worth a punt?

It seems to be the buzz -word of the year but what exactly is Cryptocurrency?

Cryptocurrency is essentially a medium of exchange. Just like currencies such as the pound, the dollar and the euro but designed for the purpose of exchanging digital information, through a process made possible by certain principles of crypto currency. Or perhaps put simpler, it is a peer- to- peer electronic cash equivalent.

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Defined benefit pensions more at risk than ever

What is a defined benefit/final salary scheme? It used to be considered the most generous and secure type of pension arrangement, often referred to as a gold plated pension. The generosity of these schemes has resulted in most of them being forced to close, restrict access or reduce benefits because they are so expensive for the employer to provide and operate.

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