Investment Update – April 2021

A year has passed since the World Health Organisation (WHO) declared COVID-19 a pandemic.  In the year since, tremendous effort has been expended to stop the spread of the virus, and protect people and economies.  Whereas this time last year, equity markets were falling sharply, and corporate bond spreads were widening dramatically, many equity indices…

What is your number?

Some people dream about retirement, others plan assiduously for it, and for others, it just comes along.  Retirement means many things for different people but knowing when you can afford to go depends on your number – the level of assets that you need to be certain that you do not need to return to…

ISA Allowance 2020/2021

Individual Savings Accounts (ISAs) offer the opportunity to invest up to £20,000 annually.  ISAs are a tax-efficient way of investing, with no liability to either Income Tax or Capital Gains Tax on the invested funds. Unlike pension allowances, the ISA allowance cannot be reclaimed from previous years.  Therefore, if you are intending to utilise this…

The Stealth Tax Trap

The bill for COVID is coming, make no mistake about it. Yet, in a clever game of political smoke and mirrors, Chancellor of the Exchequer Rishi Sunak served up some hope in the Budget, freezing personal and corporation tax bands rather than increasing tax rates as originally mooted. All seems to be well until you…

Lasting Power of Attorneys

Lasting Powers of Attorney (LPAs) allow you to appoint an individual to act as your legal representative in the event of declining mental health or injury. Whilst LPAs are vitally important documents and critical to your financial planning, it is estimated that less than 1% of the British public have one.  In contrast, 40% of…

A New Team Member

We are pleased to welcome Callum Robinson as a new member of the Client Manager team. He will be coming on board as a Trainee Client Manager, to help deal with the ever-increasing workload at Foresight. Callum has previously worked in the Hospitality Industry as a Manager and therefore has a great understanding of customer…