Poppy’s Planning — Financial Planning

I guess many of us have a dream about walking away from all the stresses of working life — the routines, the commuting, being controlled etc. Becoming like a student again. In fact for many of us facing a return to the old life after working from home for 18 months, the dream is probably more in focus than ever before.

Increasing numbers of people are opting to take a sabbatical or career break. In fact some employment contracts specifically provide for it…but unfortunately on a non paid basis!

So how do you fund it?

The answer is it depends…

Investment Team | Market Update

As the summer comes to an end and the autumn slowly creeps in, it is interesting to see that markets have continued to be fairly quiet on the whole. They have however been looking quite healthy despite this calm, with considerable growth in various areas.

For this month of August, our portfolio manager Daniel Greenhough and advisor Mike O’Sullivan discuss the strong pace of growth in the US and Europe. They also consider a number of factors involving China, which include the crackdown on education tech companies, a new spike in COVID cases and whether Chinese authorities will put more financial stimulus out there.

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Personal Finance | Rosecut

We have all been guilty of listening to family and friends when it comes to our personal finances. Whether we want to gain their perspective on how to handle things or just to get some free advice based on their own experiences.

But there is always a danger of relying too much on the opinions and general hearsay of other people. Whatever works for one person will not necessarily work for another. …

Poppy’s Planning — Financial Planning

Despite all the regular changes you will probably have read about, pension saving remains a highly tax efficient way of accumulating wealth; either for your own retirement or (if you find you don’t need it when you get there) for your family’s long-term benefit as well.

Our financial planning expert Poppy takes a closer look at pension savings through three key stages; Contribution, Accumulation and Decumulation.

Stage 1: Contribution

You can contribute up to £40,000 p.a. and you are entitled to UK tax relief on this up to 45%. If you are making the contributions yourself, for example to a self-invested pension plan…

Investment Team | Market Update

As we move further into the summer and restrictions continue to slowly loosen, we are seeing reduced volatility and relatively calm markets overall.

For this month of July, our portfolio manager Daniel Greenhough and advisor Mike O’Sullivan discuss bond yields, the rising strength of the dollar and some all-time highs in the S&P 500 Index, along with whether rising inflation levels are transitory or not.

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Visit us our website: www.rosecut.com

Investment | Daniel Greenhough — Portfolio Manager

While a ‘Cash ISA’ is simply a tax-free savings account, a ‘Stocks & Shares ISA’ is a tax-efficient investment account, which lets you put your money into a range of investments without the profits/losses being subject to any UK tax.

Our portfolio manager Daniel Greenhough highlights why this is an essential tax-efficient wrapper to consider as part of your financial plan.

What is an ISA:

Since launching Rosecut, we’ve been keen to add the most tax efficient wrappers so that your money can work as hard for you as possible. We are delighted to offer the Rosecut ISA to our UK based clients. …

Poppy’s Planning — Financial Planning

There is a debate in the UK about whether pensions are better than ISAs, which has been running for many years, perhaps even for a generation.

Our financial planning expert Poppy takes a closer look at the advantages and disadvantages of both Self-Invested Personal Pensions (SIPPs) and Individual Savings Accounts (ISAs) when making your financial plan.

Both have advantages and disadvantages but what it really comes down to is tax vs. access to capital. Broadly speaking do you want your tax advantage now (pension) and if so, are you comfortable in giving up access to your money until you are…

Investment Team | Market Update

Continued vaccine distribution and rapid testing pointed towards the substantial reopening of face-to-face sectors and the economy more broadly this month as June was set to be the turning point of our ‘freedom’. This month our portfolio manager Daniel Greenhough and advisor Mike O’Sullivan discuss rising inflation as the backdrop and how both banks and regulators will respond to cryptocurrencies now that El Salvador has made Bitcoin legal tender.

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Visit us our website: www.rosecut.com