News / page 2

5th July 2018 - Samuel Martin

Top 5 ways to help your loved ones after you have gone

Recent research from Royal London showed one in three adults (33%) have dealt with the financial affairs of someone who has died, yet only a quarter (23%) have their own comprehensive file of financial information. This research prompted them to compile a top five list of things to-do, to help your loved ones after you have gone: Write…

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18th June 2018 - Tracey Payne

Some thoughts on bonds…

Challenging times In response to the very low yield on bonds, some investors have been tempted to chase higher yielding bonds, in an attempt to squeeze some return out of what feels like an unproductive portfolio allocation.  This is, unfortunately, an accident waiting to happen.  The phrase ‘picking up pennies in front of a steamroller’ comes…

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14th May 2018 - Tracey Payne

Annual Re-balancing of your Herbert Scott Proficient Portfolios

I just wanted to let our clients know that over the course of the next few days, you might receive contract notes, either electronically or by post, confirming various sales and purchases in your portfolios.  There is nothing to worry about – we have simply carried out our annual re-balancing exercise, to ensure the amount of risk in…

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16th April 2018 - Tracey Payne

Spoken Memoirs

Below is an article written by a Lewes based client of mine, Sarah Hitchings.  When we shared our latest annual review meeting, Sarah explained how she was continuing to progress her small business, Spoken Memoirs, for which she clearly has a heart-felt passion.  After listening to an explanation of Sarah’s work, I couldn’t help but think that this…

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28th March 2018 - Tracey Payne

Capital Gains Tax Audit 2017/2018

As our Capital Gains Tax Audit for the 2017/2018 Tax Year is now in full swing, we would like to remind our clients involved that there will be an increase in the amount of contract notes received from your Wrap provider due to the fund switches that have been processed. These will either be sent via e-delivery or…

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16th March 2018 - Jennie Snooks

School-leavers on the road to success at Herbert Scott…

We, at Herbert Scott have recently taken on our fourth apprentice after previous success from 3 of our current full-time employees. Sixteen-year-old Ellen Wood is hoping to follow in the footsteps of previous apprentices who have landed full-time positions within the company. In the ever-competitive jobs market, school and college leavers can find it very hard…

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28th February 2018 - Tracey Payne

Behind the scenes – The Herbert Scott Centralised Investment Philosophy

When we explain the philosophy behind our centralised investment proposition, you’d be forgiven for making the assumption that we don’t do a lot! After all, the words “stick with it”, “unexciting”, “low trading costs” and “passive” give the impression that there isn’t a hive of activity surrounding our process. And to some extent you would be…

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23rd February 2018 - Kevin Scott

Recent Market Volatility

After a period of relative calm in the markets we have observed in recent days an increase in volatility in the world’s stock markets which may have resulted in a feeling of anxiety for some investors. Whilst it may be difficult to remain calm during a substantial market decline, it is important to remember that volatility…

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9th February 2018 - Tracey Payne

Withdrawing income in retirement

Thirty years ago, securing an income in retirement was relatively simple; collect years of service in the company’s pension plan and retire on a defined percentage of your final salary.  Today, for most, the risk and financial burden of securing a retirement income has shifted from companies and governments to individuals.  Turning investment assets into a stable income…

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19th January 2018 - Bertrand Pole

5.8 million renters have no plan B if they were too ill to work

New research from Royal London, the UK’s largest mutual life insurer, reveals that 5.8 million working private renters do not have a plan B in place to cover their rent if they or someone in their household became too ill to earn an income for three months or longer.  Worryingly nearly half (48%) of these people have never…

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