Author: Ray L Best

Spending: What to Do When You and Your Spouse are NOT on the Same Page?

Spending: What to Do When You and Your Spouse are NOT on the Same Page? Many inexperienced financial planners may assume that couple’s attitudes to money are aligned. Invariably they are not, money issues are one of the biggest sources of marital strife, and a leading factor in divorces. The financial disparity between a couple […]

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Large Pensions and Lifetime Allowance

Large pension funds need to consider the Lifetime Allowance, that is the total value you can accumulate in pensions before incurring additional tax penalties. The Lifetime Allowance (LA) was introduced in 2006/7  at £1.5M, the LA figure has changed over the years and it was reduced to £1M in 2016/17. However, for future tax years […]

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Stock Market Valuations and What to do in 2018

Stock Market Valuations and What to do in 2018 The valuations of stock markets are at an all-time high, recent research by Schiller states that the Cape Schiller index at 30 has only been reached twice before and that coincided with massive subsequent drops in stock market values. Not surprisingly we have re-iterated this to […]

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Organising Your Investments and Pensions

Every financial adviser and individual investor has a different point of view on how to organise investment and pension portfolios. FINANCIAL ADVISERS Many financial advisers will rely upon guidance from the FCA that requires them to invest as per their clients Risk Profile into a model investment portfolio, regardless of market valuations. They will also […]

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BEST INVESTMENT OF TIME FOR BUSINESS OWNERS

BEST INVESTMENT OF TIME FOR BUSINESS OWNERS I want you to give some advice to my son, who is starting up his own business. What’s the best steps he can take to make sure the business is successful. Well although I have never met your son and don’t know his background – but I am […]

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Dunedin Enterprise Investment Trust (DNE)

Dunedin Enterprise Investment Trust PLC was established in 1973 and provides equity finance for management buyouts, management buy-ins and growing businesses worth £20-£200M. Their stated investment objective is to achieve substantial long-term capital growth from our investments and we aim to achieve a rate of return on equity in excess of 8% per annum over […]

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Will Stock Market Trend Sideways ?

Will Stock Market Trend Sideways ? Although there have been numerous warnings about the high valuation levels of the global stock markets (including from ourselves) – we have yet to see a firm indication of a stock market collapse. Instead the stock market appears to be entering a sideways trend. If you are having trouble […]

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Avoid the Iceburgs

Some time ago, I went on holiday to Ireland with my family, we had some difficulty driving around the country lanes looking for our guest house. The road map was of little help as apparently the locals took delight in removing signposts, especially at crossroads. Outcome? We were lost. The sat-nav indicated that we were […]

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How to Avoid Financial Success …

How to Avoid Financial Success … What is financial success? I believe that it is creating a level of wealth that you are comfortable with and passing that wealth on intact to the next generation. Yet many individuals choose to press the self-destruct button, and rationalise their destructive behaviour with bizarre statements, that defy logic. […]

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Investment Fears in Berkshire

Investment Fears in Berkshire We have received many calls from followers of our blog regarding the state of the investment markets, the reason being that the media is making comment on the possible collapse of investment markets. The 30th anniversary of the 1987 crash is just ahead, however looking back to that period, the market […]

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