What’s happening out there in international financial markets?  Wan't to know more about  pensions, investments and taxes? How could changes in legislation affect you and your finances?  Keep up to date with my financial advice based blog.

Worried about market volatility?


Investors as a whole tend to act on impulse and often volatility will see investors rush to sell. 

When your investments form a well diversified, low cost portfolio you will be in the best position. Holding an appropriate asset allocation, that is aligned with your willingness and ability to bear risk during periods of volatility, is key.  

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Listen to my live Q & A on Money management on Dubai Eye radio 103.8fm

Just click the link to listen to the podcast.

Live Q and A - Dubai Eye

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Understanding discretionary fund management

Investment management services typically fall into one of 3 options:

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The UK October 2018 Budget -Key takeaways

Income tax personal allowance

  • The tax-free “personal allowance” for workers in the UK is set to rise to £12,500 for the 2019-2020 tax year, up from £11,850 in the current year. basic rate tax payers – approximately 32 million people - will see their take home pay rise by around £132 a year.
  • Crucially, the allowance will then rise in line with the rate of inflation.
  • The higher rate income tax threshold, the point at which people start paying tax at 40%, to rise from £46,350 to £50,000 in April. After that, the two rates will rise in line with inflation

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Understanding Risk

When you invest, you’re exposed to different types of risk. How can different risks affect your investment returns?  Risk is essentially a deviation of an expected outcome. In investing we can look at risk as a deviation of expected investment returns.

The deviation from the expected return can be either positive or negative. The probability and magnitude of the deviation is what an investor is concerned about. There are many factors that can affect risk.

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