Brexit - What happens now?

Brexit – What Happens Now?

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Just in case you missed it, as of 11pm, on the 31st January 2020, the United Kingdom has officially left the European Union. After more than three and a half years of uncertainty, what will happen now we have left, particularly when it comes to your finances? The truth of it is, we still don’t…
ethical investing

Ethical Investing: An Update

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Ethical investing has become a bit of a buzz topic in the world of finance. We have already covered off the history of and what is ethical investing in a previous blog, so today we are going to be looking at what’s changed in the world of ethical investing. Let’s take a look.  Why is…
The Downfall of Neil Woodford

The Downfall of Neil Woodford: What are the lessons for investors?

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In his heyday, Neil Woodford was described as “Britain’s answer to Warren Buffett”. But, last month, the dwindling fortunes of superstar Fund Manager Neil Woodford took one final hit as his business finally imploded following months of uncertainty. What happened, and what can we all learn from this unfortunate series of events? Who is Neil…
Calculating your investment risk profile

Calculating Your Investment Risk Profile

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For those of you who already invest, you probably have a pretty good idea of what an investment risk portfolio is. For those of you who don’t, this summary is for you. A risk profile is an evaluation of an individual’s willingness and ability to take risks. When it comes to investment, risk and return…
Pound Cost Averaging

Pound Cost Averaging

Here at Face to Face Finance we’re very much focused on the long-term when it comes to investments.  If you are worried about the ups and downs in the markets and not sure when is the right time to invest, we look at pound cost averaging as a way to take advantage of these ups…
2018 mid-term investing update

Investing in 2018: mid-year update

We’re halfway through the year already. So, we thought it would be a good idea to summarise what’s been going on in the markets, and what we foresee for the rest of the year. The first half of the year has seen quite a difficult market environment. After a relatively calm 2017, market volatility has…
What happens to your shares if your broker goes bust?

What happens to your shares if your broker goes bust?

Brokerage failures do happen from time to time, particularly in today’s difficult economic landscape. In 2018, Beaufort Securities became the most recent firm of note to go bust, with around 16,000 customers left wondering what was to become of their investments. If your broker goes bust, is your money safe? The first thing to understand…
Fear and greed in the markets

Fear and greed in the markets

No one sets out to make a bad investment. But it happens all the time. Why? We all know that the markets can be volatile. But it’s usually bad decision making, based on intuition rather than logic, which contributes to the biggest losses. Emotions are to blame. Losses, in particular, can make investors vulnerable to…
Brexit and foreign investment

Brexit and foreign investment: it’s not all doom and gloom

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There have been a lot of headlines about how the uncertainty surrounding Brexit, particularly the current lack of international trade deals, will have a negative impact on investment into the UK. But look a bit closer and there are some good news stories too. China, for example, is certainly taking advantage of the opportunity. What…
Ways to reduce Capital Gains Tax Bill

11 Ways to Reduce Your Capital Gains Tax Bill

Let’s face it, we’d all be happy to pay less tax. And with a bit of careful planning and a great financial adviser on the case, you can limit your tax liabilities. Capital gains tax (CGT) is a prime example. CGT is a tax that may be charged on the profit (or gain) made when…