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Month: July 2023

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Upcoming Webinar: The basics & benefits of Annuities

The basics & benefits of Annuities
The basics & benefits of Annuities

On the 17th August, Claire Calder, one of our trusted Financial Advisers, will be hosting a webinar surrounding Annuities. 

Are you looking for a reliable way to secure your financial future and enjoy a steady stream of income during retirement? Annuities could be the answer you’ve been searching for. Join us for an insightful webinar as we delve into “Annuities: The Basics and Benefits.” In this webinar, we will demystify annuities, explore their advantages, and help you understand how they can play a vital role in your overall financial plan.

WHAT WILL BE COVERED:

  • What is an Annuity

  • Lifetime Annuity considerations

  • Fixed Term Annuity considerations

  • How Annuities can fit into your retirement plan

Join Catriona on the 15th of December for 45 minutes to 1 hour to get a better understanding of how the recent fiscal changes may affect your personal financial circumstance.

Please email info@ascotwm.com for any questions.

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Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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Debt Freedom: Tips for paying off debts and improving credit score

Debt Freedom: Financial Advice for paying off debts and improving credit score

Debt Freedom: Tips for paying off debts and improving credit score

In order to achieve financial stability, it is crucial to effectively manage  your personal finances. Many individuals find themselves in debt at some point in their lifetime, resulting in lower credit scores. If you find yourself in this situation, it can be extremely stressful, however, with the right planning put in place, you can regain control of your finances and work towards improving your credit score.

Asses your current debts

The first step towards paying off debt is to get a clear understanding of your financial circumstances, and the debts you owe. Take note of the interested rates, payment due dates and if there are any minimum monthly payments for each debt

 

Benefits of working with a Financial advisor

Budgeting

Having an achievable budget is essential for effective debt management. Once you are comfortable with being able to stick to your budget, you can allocate a specific amount each month to pay off your debts. This should hopefully take away some of the stress as you know you are slowly paying off the money you owe in an affordable and manageable way.

Prioritise Debts

It is important to decide which debts you would like to pay off first. While making minimum payments on all debts is important, it is crucial to prioritise the debts with the highest interest rates, as they accumulate the most interest over time. By paying the high interest debts off early, you’ll save money in the long run.

Negotiate with creditors and consider debt consolidation

If you are facing financial difficulties, do not hesitate to negotiate with your creditors. You may be able to get a reduced interest rate or a favourable repayment plan. Many creditors are willing to work with debtors to achieve a mutually beneficial solution. You should also consider debt consolidation, which allows you to consolidate all your debts into a single loan, with a lower interest rate. By doing this, you will simplify your repayment process. It is important to make sure any arrangement you enter into is affordable and in line with your current financial circumstances.

Improving your credit score is an essential step towards financial stability. Consistently paying your bills on time is one of the most crucial factors in improving your credit score, late payments can have a significant negative impact on your creditworthiness. Reducing your overall debt is another effective way to improve your credit score. As per the above tips, developing a debt repayment plan by prioritizing high interest debts and making consistent payments towards them is key. You should stay vigilant by monitoring your credit regularly. Improving your credit score can take time and consistent effort, but if you stay disciplined in your habits, over time you will see positive changes reflected in your credit score.

Written by: Jemma Long

Date: 12 July 2023

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Webinar: Q2 Portfolio Performance Review &

Q2 Portfolio Performance Review
Q2 Portfolio Performance Review

On the 20th July 2023, we are hosting a webinar with our Discretionary Fund Manager, Cape Berkshire Asset Management (CBAM).

The heads of the investment team, Mark and Shingirai, will be your hosts for the webinar and they will offer insights that we don’t normally share with clients or the public, so book your seat and bring along any questions you may have.

WHAT WILL BE COVERED:

  • 2022 Q1 Macrothemes
  • Portfolio Performance
  • Portfolio Positioning
  • 2023 Outlook and Strategy
  •  

Join Mark and Shingirai on the 20th July for 45 minutes to 1 hour.

Those who register to the event will be sent a link to the webinar a day prior to the event.

Please email info@ascotwm.com for any questions.

12 JANUARY 2023

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Ascot Wealth Management Limited is authorised and regulated by the Financial Conduct Authority reference 551744. Our registered office: Scotch Corner, London Road, Sunningdale, Ascot, Berkshire, SL5 0ER. Registered in England No. 7428363. www.ascotwm.com Unless otherwise stated, the information in this document was valid on 3rd February 2017. Not all the services and investments described are regulated by the Financial Conduct Authority (FCA). Tax, trust and company administration services are not authorised and regulated by the Financial Conduct Authority. The services described may not be suitable for all and you should seek appropriate advice. This document is not intended as an offer or solicitation for the purpose or sale of any financial instrument by Ascot Wealth Management Limited. The information and opinions expressed herein are considered valid at publication, but are subject to change without notice and their accuracy and completeness cannot be guaranteed. No part of this document may be reproduced in any manner without prior permission. © 2017 Ascot Wealth Management Ltd. Please note: This website uses cookies. To continue to use this website, you are giving consent to cookies being used. 

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The impact of inflation on personal finances

The impact of inflation on personal finances

The impact of inflation on personal finances

Inflation can pose challenges to personal investments, but with the right strategies, AWM can help protect and grow your wealth. Diversifying your investment portfolio (such as in AWM investment portfolios) is a key strategy to mitigate the effects of high inflation. By spreading your investments across different asset classes such as equities, real estate, commodities and inflation-protected securities, you can reduce risk and increase the potential for positive returns.
 
Inflation erodes the purchasing power of your money over time. To counteract this, consider investments that tend to perform well during inflationary periods. Equity investments in companies with pricing power can be resilient in inflationary environments. 
Managing money in retirement
 
By selecting assets that can maintain or even outpace inflation, we can help preserve your purchasing power and ensure long-term financial stability.
 
Fixed-income investments are vulnerable to inflation as rising prices erode the real value of future cash flows. However, inflation-proof bonds such as inflation-linked government bonds can provide a measure of protection against rising prices. By including these bonds in a diversified portfolio, you can safeguard your wealth and preserve the real value of your investment.
 
High inflation can disrupt the performance of different investments in your portfolio. Regularly reviewing and rebalancing your portfolio ensures it remains aligned with your financial goals and risk tolerance. This involves selling overperforming assets and reinvesting in those that have the potential to counteract the impact of inflation. By maintaining balance, you can position yourself for long-term investment success. At AWM, our investment portfolios are rebalanced quarterly and our CBAM discretionary portfolios include adhoc trading even within that period in order to be able to action portfolio trades at the best opportunity.
 
To further diversify your portfolio and potentially enhance your returns, consider exploring alternative investments such as commodities, structured products, or private equity/lending. These investments can provide exposure to assets that may perform well during inflationary periods and offer unique avenues for wealth preservation and growth.
 
Navigating the complexities of high inflation requires knowledge and expertise. Seeking guidance from a qualified financial advisor or investment professional can provide valuable insights tailored to your financial goals. Their expertise can help you make informed decisions, adjust your investment strategy as needed, and maximize your potential for success.
 
At AWM, we stand ready to assist you in any and all personal finance matters that you may wish to enquire about. Feel free to ask us today for a free initial consultation.

Written by: Sam Hallett

Date: 30 June 2023

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