Why timing the market doesn’t work

Market timing is an investing tactic where investors transfer their money in and out of the market in an attempt to avoid losses before they occur and buy-in at the bottom after the market has fallen. It’s the well known strategy of ‘buy low and sell high’. It all sounds…

Uplift in the housing market

Positive news for property owners looking to sell; The Royal Institution of Chartered Surveyors (RICS) has reported that sales expectations have ‘’risen sharply’’ according to a survey of property professionals. House sales increased in December for the first time in seven months, boosted largely by elevated activity in the South…

What’s happening to the tapered annual allowance?

There has been much talk in the financial press recently of proposed changes to the tapered annual allowance. The taper was introduced in 2016 and gradually reduces the annual allowance for high earners. For every £2 of adjusted income above £150,000 a year, £1 of annual allowance is lost. It…

The link between human behaviour and investing

Financial planning… Isn’t that based on cold, hard facts and scientific reasoning? Surely emotions and feelings don’t have much to do with investing? I think they do. And here’s why. A little thing called human behaviour gets involved, you see. Only it’s not so little. Human beings are highly complex…

4 financial planning tips for 30 and 40 something year-olds

After age 30 it’s likely that financial planning will increase in importance and become a far more serious matter. It’s worth thinking about how things have changed over the past few generations; more and more individuals are going to universities, people are having children later, are buying property (and by…

What does the election result mean for your finances?

With the Tories having won their largest majority since 1987, we thought now would be a good time to reflect on some of the pledges made during the election campaign. How will the promised reforms affect you and your finances? Income tax When he was striving for leadership of the…

6 things to do before tax year end

The tax year will be coming to an end on 5th April. With that cutoff date in mind, we wanted to remind our clients of some of the allowances available to you during the tax year. It’s important to make sure you’re making the most of your allowances in all…

Have kids? Watch our guide to Junior ISAs

By starting to save early you can give your child a good financial start in life. Junior Individual Savings Accounts (Junior ISAs or JISAs) let you save and invest on behalf of a child under 18. There is no tax on the interest or investment gains, which means the money…

New year, new decade, new approach to your finances?

You may have already made some New Year’s resolutions regarding exercise and healthy eating but could your finances do with slimming down too? The start of a new year, not to mention a new decade, is a great time to review your financial affairs, analyse your spending and make plans…

The Charters Annual Summary – 2019: A year of change

It’s frequently said that the two certainties in life are death and taxes. This may be true, but there is at least a third certainty—that things change. Indeed, 2019 has seen plenty of that and it has been a privilege to work with our clients to deal with those very…
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