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.

Brexit

The UK stock market and the pound had both rallied strongly over the past week in anticipation of a Remain vote. But with the ‘out’ vote cast, as predicted market reactions have been dramatic. Most equity markets are down 5-10%  (at time of writing) and the Pound went into free fall overnight in one of the most dramatic major currency movements in recent history.

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Why you should place your life insurance policy under trust

According to a 2014 survey by Legal and General, an eye watering £530 million was paid in inheritance tax (IHT) by people not placing their life insurance policies ‘under trust’

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Votes for expats and the EU referendum

With more than 5.5 million UK nationals living outside of the UK, UK expats are being urged to register to have their say on whether Britain should exit the EU.

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Alternative asset allocation

Asset allocation is generally defined as the allocation of an investor’s portfolio across a number of ‘major’ asset classes: The main asset classes are: cash, fixed interest securities, bonds, equities and property.

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Risk and investment strategy

If you remember investing in the 1980s, you probably remember when deposit accounts paid a handsome rate of return. Nowadays we are all too familiar with rock bottom interest rates. This coupled with the fact inflation erodes the true value of cash over time, means we tend to look to the markets, and most notably equities to get real growth on our capital. But with the turmoil and volatility we have experienced over the last 12 months it is understandable that market sentiment is not overly high. Even the experienced individual investor is somewhat cautious.

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