History Lesson

History Lesson

“The primary function of a nation’s capital markets is to channel the country’s savings into productive investment, which in turn underpins long-term growth and productivity through superior capital allocation” (Tony Blair Institute for Global Change).   The case for Pension funds and ISA’s to own UK listed equities.   But first a history lesson: Personal…

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Are Annuities Back for good?

Are Annuities Back for good? Many moons ago when I was just a young (and wet behind the ears) financial adviser with Pearl Assurance the only option available to people with a personal pension at retirement (or as they were known back then, retirement annuity contracts) was to buy an annuity. An annuity is simply…

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Let’s talk about: Annuities

Let’s talk about: Annuities Is the UK in recession? There seems to be a lot of conflicting data, but one thing seems certain (according to the Bank of England and Office for Budget Responsibility) the UK will be in recession in 2023.  With the doom and gloom and turmoil of the financial markets you’d be…

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Market Update: October 2022

Market Update: October 2022 I think it’s fair to say that our resilience and patience as investors is being severely tested.  During the last 5 years or so, we’ve suffered market uncertainty following the Brexit vote and the run-up to leaving the EU, COVID19, the war in Ukraine and now the impact of rising inflation…