Category: Uncategorized

MARKET COMMENTARY – November 2016

Recent Days  The U.S. stock market is partying like it’s 1999. For the first time since that year, the four major benchmark indexes hit all-time highs, thanks to an ongoing post- election rally that has lasted for three weeks and lifted almost everything from banks to industrials to small-cap stocks. Investors kept piling into equities […]

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Thinking of Switching your Mortgage?

Opportunity: If you are in a position to switch your mortgage there are significant savings to be made. Should you be on a variable rate (as opposed to a tracker or fixed rate) and your loan to value has fallen below 80%, due to increases in property prices and a reduction in the amount borrowed, then the […]

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The key is time, not timing

Given that the European Central Bank base rate continues to remain at 0.0%, returns from bank deposit accounts are now at an all-time low. This trend is likely to continue for the foreseeable future meaning the real value of your savings held on deposit is gradually being eroded. Due to the risks and uncertainty in […]

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Top 4 reasons to make AVCs

What are Additional Voluntary Contributions? Additional Voluntary Contributions or AVC’s are extra savings that you can make towards your pension Top 4 reasons to make AVCs 1) Enhance your retirement benefits Increase your expected tax-free lump sum at retirement. This is potentially 25% of your retirement fund, if you are a member of DC company […]

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Are you now a non smoker or e smoker?

As part of our financial service, we wish to ensure that your records with us are accurate. There may be savings if you are no longer regarded as a “smoker”. A strict definition of what a non-smoker is applies. If you qualify, you can significantly reduce the monthly cost of your Mortgage Protection, Life Assurance […]

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