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Archive for June, 2010

Lyndhurst Money Demo – Like mint.com but powered by moneyinfo

Monday, June 28th, 2010

Lyndhurst are pleased to welcome the first users of this new service and are keen to get further feedback from other new users. I have enclosed a link to a demo site for the service below which is much like the Lyndhurst Money service.

Have a look at the demo and if you would like to have this service for free and then please complete the enquiry form.

If you are an existing client we can upload your details to the service and you can benefit from the daily valuation service which is available for investments held on this platform.

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Posted in For our clients | No Comments »

Fixed rates at all time low = Fix your mortgage NOW !!!

Wednesday, June 23rd, 2010

BoE split on interest rate decision

23 June 2010

A member of the Bank of England’s Monetary Policy Committee last night voted for rates to rise to 0.75% from 0.5%, MPC minutes reveal.

The Governor invited the Committee to vote on the proposition that:

- The Bank Rate should be maintained at 0.5%.

- The Bank of England should maintain the stock of asset purchases financed by the issuance
of central bank reserves at £200 billion.

Seven members of the Committee (the Governor, Charles Bean, Paul Tucker, Spencer Dale, Paul Fisher, David Miles and Adam Posen) voted in favour of the proposition.

Andrew Sentance voted against, preferring an increase in Bank Rate of 25 basis points.

The 7-to-1 majority means rates are kept at 0.5% for the 15th consecutive month.

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Posted in Mortgage Rates, News and Information | No Comments »

Mortgage Rates – 3 year fixed below 4% looks good!

Thursday, June 17th, 2010

On Thursday 18th June 2010, Abbey are launching a new 3 year Fixed rate Core product, 70% LTV, 3.98% with a £995 fee.

If you would like further details on this please contact me on 01582 715777.

Nick Mann
Mortgage Adviser



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Why you should consider an ISA now, not later!

Wednesday, June 9th, 2010

Research from Fidelity Fundsnetwork shows that investing earlier in the tax year can pay off handsomely. Over the last fifteen years those who have chosen to invest at the beginning of the tax year rather than the end could have gained an extra £7,006*. This figure is based on the growth of the FTSE All-Share Index, but the sum increases considerably to £30,708 if a more aggressive, actively managed fund, such as Fidelity’s Special Situations Fund, was chosen.

 

If you haven’t done your ISA this year and wish to do so please contact us on 0800 435648.

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Can you afford to retire?

Tuesday, June 1st, 2010

Do you know that to target a retirement income of £20,000 p.a. you would need a pension fund of £300,000? (source FSA Money Made Clear www.fsa.gov.uk/tables/bespoke/Annuities. Based on a 65 yr old non smoking male, single life, no guarantee, standard level annuity.)

This means means that for some of you approaching retirement, the promised age of leisure may be more of a myth than a reality. Without proper planning you may simply not be able to afford to retire.

Retirement is lasting longer, getting more expensive and it’s becoming complicated too. Phasing retirement is becoming increasingly popular. Any pension plan needs to support your lifestyle during accumulation and the retirement phase.

If you would like a review of your pension plan, please contact your financial adviser, or speak to our expert Alan Brown on 0800 435648.

 

Adam Cook
Head of Operations

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Posted in Annuity, Pensions, SIPP | No Comments »