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We thought it would be helpful to send some initial thoughts following yesterday's budget. Business owners and those with significant pension assets are now faced with a completely different situation, which could affect ongoing planning.
Discover the key differences between wealth management and financial planning. Learn how each service caters to different financial needs, from foundational planning to complex asset management, ensuring your financial goals are met.
Unlock your financial potential with expert wealth management services from Ifamax. Our tailored strategies in tax planning, investments, and risk management help secure your long-term financial success.
Debating gold as an investment? Explore the pros and cons, from its historical value and diversification benefits to its lack of income stream and inflation hedge limitations.
Choosing the appropriate financial help can be crucial to managing your finances effectively. In the UK, financial advice professionals have three main titles: financial advisers, financial planners, and wealth managers.
Wealth management is often perceived as a service reserved for the rich and famous. However, with the rapid rise in house prices and the increasing complexity of financial planning, more people need a wealth manager.
Retirement planning extends beyond managing assets. It involves establishing long-term relationships with financial advisers who can guide clients through the complexities of retirement.
The government's decision to abolish the Lifetime Allowance (LTA) on April 6th, 2024, is a significant change for pension savers. Here at Ifamax Wealth Management, we want to help you understand what this means for your retirement planning.
In 2023, Bank of America analyst Michael Harnett began using the phrase “Magnificent 7” to describe the biggest seven stocks in the US (Apple, Microsoft, Alphabet, Amazon, NVIDIA, Tesla and Meta Platforms).
Globally, the most significant upcoming election is in the US, but of course, the UK election is also expected towards the end of this year.
There are similarities to US and UK politics in that it is generally a race between two parties,
As our world becomes more interconnected, financial fraud has become a means of exploiting our vulnerabilities. The statistics paint a stark picture: in 2022, £1.2 billion was stolen, with a further £1.2 billion stopped by the banks (source: UK Finance).
Reaching retirement is a significant milestone, but navigating the world of pensions and taxes can be tricky. Fortunately, there are strategies that can help you keep more of your hard-earned money for what matters most; enjoying your retirement.
In 2023 UK investors navigated the choppy waters of market volatility fuelled by geopolitical tensions, soaring inflation, and tightening monetary policy, and with this comes the inevitable question: what can we expect from investing in 2024?
Over the longer term, investors expect a positive, after inflation return from investing in company shares and lending money to governments and companies by owning bonds. Unfortunately – and inescapably – in the shorter-term market returns are anything but predictable. They contain a lot of noise, as the market absorbs new information into prices. High inflation in 2022 led to a rapid rise in interest rates around the world, contributing, in part, to the fall in global bond and equity prices.
Environmental, social, and governance (ESG) investing is a rapidly growing trend in the wealth management industry. ESG investors consider non-financial factors alongside the more traditional ones when making important investment decisions. These factors can include a company's environmental impact, its social responsibility practices, and its corporate governance structure.
Inflation can have both positive and negative effects on investments in the UK, it all depends on whether the trend is high inflation or low inflation. We have detailed some of the key impacts that inflation may have on your investments, and when you may want to think of contacting your financial advisor.
The crowding-out effect is when certain stocks dominate an index, potentially reducing diversification and investment opportunities. Simply put, you have little room for growth once you dominate your market. This point seems obvious when you think about it.
When it comes to managing your finances, having a trusted advisor by your side can make all the difference. While there are many options available, working with a wealth manager who is Bristol based can offer unique benefits and advantages. A local wealth manager understands the nuances of the local market and can provide personalised advice tailored to your specific financial goals and needs. They also offer a level of accessibility and responsiveness that can be hard to find with larger wealth management businesses.
You may have noticed the term ‘Stealth Tax’ getting more of an airing across the press recently, especially so since Jeremy Hunt’s Autumn Statement back in November 2022. Keep an eye out again for more, over the next week, when we have the next Budget announcement (15th March 2023).
Each year, investors face a barrage of commentary and speculation from the financial press about which stock, sector or country is set to do well in the coming months. The quotes below are taken from articles published by well-known media outlets and demonstrate that 2023 is no different: