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How long will you live?

A million-pound question!  When will I die? If we knew when our final day was, it would be so easy to plan, so easy to know how much we can spend now verses save for retirement, where we would holiday, when we would have our last kiss and when to say our last good-bye. But…

October 2, 2017 News
 
 
 
Lexo

Keep investing simple

Legendary music producer Quincy Jones has loaned his name to a new ETF tracking companies involved in any aspect of ‘online streaming of entertainment’.  There are plenty of other ‘niche, thematic’ ETFs currently available such as; Horizons Marijuana Life Sciences Index – This ETF has grown to $82.9m, despite a comedown from its’ high. Millennials Thematic…

August 22, 2017 News
 
 
 
Women rertirement age

The effect of raising the female state pension age

The Institute for Fiscal Studies (IFS) has issued a working paper examining “the effect of raising the female state pension age on income, poverty and deprivation”. It offers a variety of interesting and sometimes counter-intuitive insights to the reform, which was originally set in train by the Pensions Act 1995. For example: Between 2010/11 and 2015/2016, the…

August 5, 2017 Handy Guides, News
 
 
 
 
Education saving

The Cost of Education

A quarter of UK parents regret not saving earlier for their child’s education and one is five say they wish they had saved more, according to new data. Funding the cost of education is a big and important issue. It seems that more than 70% of parents contribute towards the cost of their child’s education,…

July 31, 2017 Handy Guides
 
 
 
Tax year end

More Over 50’s Setting up Businesses

ONS (Office of National Statistics) data shows that as at the end of 2015 there were 4.6m self-employed people in the UK – up from 3.8m in 2008 – and the over 50’s account for 43% of those that start their own business.  In addition, the number of self-employed people aged 65 and over has…

July 28, 2017 News
 
 
 
 

How to make financial independence automatic

Helping clients to make the right choices for regular savings and lump sum investment is one of the key roles of financial planners.  Making the wrong choices can cause serious financial detriment and this consequence, together with relative complexity over the choices and difficulty in “self-serving” the answers, are the three key components underpinning most…

 
 
 
IFA Choosing a Financial Adviser

Hiring a Financial Adviser

If you’ve heard it once, you’ve heard it a hundred times: you need to invest for retirement, especially if you want to retire early. That means, at some point, you’re going to need a financial adviser – someone who can explain complex investments in terms you can understand. Finding the right professional may seem intimidating, but it’s not that difficult; you just need to remember a few things.

July 1, 2017 Handy Guides
 
 
 
 

Marriage Tax Allowance – What Is It?

As you may be aware the Government has introduced a tax break called the Marriage Tax Allowance. The allowance, which came into effect from 6 April 2015, is available to couples who are married or in a civil partnership and enables a transfer of a proportion of their tax free personal allowance between them. The…

June 13, 2017 Handy Guides
 
 
 
 

The FTSE 100

The FTSE 100 – the “Footsie” – is the UK stock market index which garners most of the headlines. It was launched on 31 December 1983 with a base value of 1,000. Today it is about 7,550, which equates to an average annual return (excluding dividends) of 6.2%.  RPI inflation over the same period averaged 3.5%…

June 7, 2017 Handy Guides
 
 
 
AYMs

50 years of ATMs

50 years ago on 27 June 1967, Barclays installed the world’s first cash machine (ATM) at its Enfield branch in north London, but how have payments changed since then? In 1976 you could withdraw no more than £10 at a time using a special voucher and a personal six-figure code. Last year we withdrew £129…

June 1, 2017 News
 
 
 
 
 
 
 
 
 

The New £1 Coin

With the excitement surrounding the issue of the new one pound coin, I wondered how much I would have today, if I had invested 10,000 of them into the FTSE All Share index when the pound coin was first launched. The one pound was introduced on 23 April 1983, when Lady Thatcher was Prime Minister,…

March 29, 2017 News
 
 
 
AYMs

Key points from today’s Budget

1. The economic forecast Growth in the UK economy picked up through 2016. Employment has reached a record high of 31.8 million people. The Office for Budget Responsibility (OBR) now forecasts that the UK economy will grow by 2% in 2017. The OBR also forecast that the economy will grow at a slightly slower rate in 2018,…

March 8, 2017 News
 
 
 
 

Back to school funding: grandparents get top marks

Grandparents can make a real difference to their grandchildrens’  futures by helping with the costs of education. With the cost of a 3 year university course topping £50k*, grandchildren could otherwise be faced with a sizeable debt on leaving university, or worse, could be put off going altogether.  The right combination of trust and investment…

February 18, 2017 Handy Guides
 
 
 

How much can I pay into my pension?

The maximum you can personally invest into a pension and receive Tax Relief on, is 100% of your salary subject to an Annual Allowance limit which is currently £40,000. Please note dividends are not classed as salary. If, as an example, you have a salary of £8,000 and dividends of £45,000 the maximum you can…

February 11, 2017 Handy Guides
 
 
 

Less Sunlight ….take more Vitamin D3

This is time of year many people start to really miss the Sun and not just sentimentally… humans are solar powered of course and our biology gets a boost for the long days of everlasting summer Sunlight.  Mind, mood and physical strength actually all get a boost in the summer time.  I love the Sun…

February 9, 2017 Handy Guides
 
 
 

Thank you!

We would just like to thank everyone who came to our Event on Friday evening and who kindly donated to The Bala Children’s Charity. Your generosity helped raise over £145, so Lexington have decided to match this amount. We have therefore donate £300 to The Bala Children’s Centre Kenya.

January 26, 2017 Uncategorized
 
 
 

Dividends Crossovers

Who will pay how much more from 2018/19 on dividends? “…the Chancellor … announced that the £5,000 tax free dividend allowance, introduced less than a year ago, would be cut to £2,000. To change it so quickly does not look like coherent policy making.” So said Paul Johnson, the Institute for Fiscal Studies Director in presenting the…

January 6, 2017 Handy Guides
 
 
 
 
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