Independent Financial Advisers Glasgow News & Guides

An exciting opportunity has arisen for an experienced Sales Support Administrator to join our successful IFA company based in Glasgow City Centre. To be offered on a permanent basis, this is a fantastic opportunity to join an expanding and well established organisation.

Every business has key people who are driving it forward. Many businesses recognise the need to insure their company property, equipment and fixed assets. However, they continually overlook their most important assets, the people who drive the business – a key employee, director or shareholder.

Investing offshore may appeal to anyone who plans to live overseas, travels extensively, or wishes to look outside of their ‘home’ country for investment opportunities. Depending on where you reside, there will be various options available to you. Perhaps you already have money offshore and are looking to receive a better return; or you maybe you are planning to move abroad.

During these difficult economic times, one of the tools available to the Bank of England to stimulate the economy is interest rates. Lower interest rates mean that it is cheaper to borrow money and people have more to spend, hopefully stimulating the economy and reducing the risk of deflation. This is why the Bank of England has aggressively cut them. Such interest rates apply equally in Scotland; for financial advice from our Glasgow-based financial advisors, call 0141 331 0660 today.

British people are being more careful with their finances when they decide to move in with a new partner, according to new research from online bank first direct. Only 1 in 5 couples surveyed (20%) had decided to unify their money and control all their finances from a joint account.

Having the correct protection strategy in place will enable you to protect your family’s lifestyle if your income suddenly changes due to premature death or illness. But choosing the right options can be difficult without obtaining professional advice to ensure you protect your family from financial hardship.

When deciding whether to invest, it is important that any investment vehicle matches your feelings and preferences in relation to investment risk and return. Hence your asset allocation needs to be commensurate with your attitude to risk. Another key question to ask yourself is: “How comfortable would I be facing a short term loss in order to have the opportunity to make long term gains?” If your answer is that you are not prepared to take any risk whatsoever, then investing in the stock market is not for you.

Unit trusts are a collective investment scheme that enables you to invest money with others and participate in a wider range of investments and share the costs and benefits of doing so. They have proved popular over the years because cash is invested in a broad spread of shares, thus reducing the risk of losing money if the market falls.

Trustees have a clear duty to act in the best interests of the beneficiaries. Unfortunately, many trustees have believed, historically, that the best method of protecting the interests of their beneficiaries is to protect the capital.

I wanted to update you on some changes announced in the budget regarding VCT and EIS and how these will impact particular products for tax year end planning.

Are you looking to make potential gains from the growth in value of company shares on the stock market but don’t have the time to manage a share portfolio yourself? If the answer is ‘yes’, then open-ended investment companies (OEICs) could be worth considering. They are stock market-quoted collective investment schemes. Like unit trusts and investment trusts, they invest in a variety of assets to generate a return for investors.

BRIC is an acronym for the combined economies of Brazil, Russia, India and China. The BRIC nations are increasingly providing investors turning to emerging markets with growth potential for their portfolios. The four BRIC countries are the largest emerging markets by population size.

Making sure you have the correct amount of life assurance will enable you to protect your loved ones from having to deal with your financial burdens. That’s why obtaining the right advice and knowing which products to choose - including the most suitable sum assured, premium, terms and payment provisions - is essential.

For UK savers investing for income, it is important to strike a balance between hunting out good dividend paying shares, robust corporate bonds, well-managed funds or just the best savings account. Investing for income for most requires a mixture of investments, to balance risk with returns.

Investment is intrinsically linked with risk and return – they go hand in hand. Which is why it’s important that any investment vehicle matches your feelings and preferences towards risk and return. There are a wide variety of different asset classes available in which to invest and there are commensurate risks attached to each one.

Film investing through the government’s Enterprise Investment Scheme (EIS) is very high risk, but for the sophisticated speculative investor it offers unique tax breaks. For high net worth investors, it is one of the few remaining tax breaks on the market.