Ellora Wealth and Investments

23/12/2025

here's wishing you and your family a...

27/11/2025

The Chancellor has delivered her 2025 Budget. If you’re unsure what the changes could mean for your money, we're here to help.

Ellora Wealth and Investments is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority).

SJP Approved 25/11/2025

17/02/2025

Last year’s Budget changes means it’s more important than ever to get on top of Capital Gains Tax (CGT), so you can manage your assets as tax-efficiently as possible.

Which is why it’s wise to get your head around CGT and take financial advice, so you don’t end up paying more than you need to.

These are some of the most common questions we’re asked about CGT, plus some practical tips on how it works, and how to pay the right amount at the right time.

Read more' https://www.ellorawealth.co.uk/article/detail/sjpp/getting-on-top-of-capital-gains-tax

17/02/2025

The British government received a small boost last Thursday after it was revealed the UK economy grew by 0.1% over the three months to December.

While this small level of growth would usually not be particularly exciting, it was notably ahead of expectations, which were for a 0.1% fall.

Growth was spurred by a 0.4% increase in GDP in December, largely thanks to improvements in the services sector.

Read more: https://www.ellorawealth.co.uk/article/detail/sjpp/weekwatch-17-02-2025

10/02/2025

A fall in interest rates and record highs for the FTSE 100 meant last week was a positive one for UK investors, despite wider gloom around the economy.

UK GDP figures for December are due to be released later this week and expected to show weak growth at best, as the economy has broadly moved sideways over recent months. On Thursday, the Bank of England (BoE) said it expected the UK economy to grow just 0.75% in 2025, compared to its previous estimate of 1.5%.

Read more: https://www.ellorawealth.co.uk/article/detail/sjpp/weekwatch-10-02-2025

06/02/2025

From start-up to sale and exit, tax planning is central to running a successful small business. Discover the tax strategy tips that’ll help you make the most of your finances.

21/01/2025

🌟 Feeling Overwhelmed by Tax Year-End? You're Not Alone 🌟

We understand the stress and complexity of preparing for Tax year-end. That's why we've created a supportive webinar to guide you through this journey with confidence.

Ready for Tax Year-End? Webinar
🗓️ Thursday 6 February
⏰ 12:30 to 13:30
🔗 Register Here: https://sjp-co-uk.zoom.us/webinar/register/9317241685242/WN_voefbt-LTqafsJqWYKBHLw

Our expert speakers, Trott and Patel, recognise that financial planning can feel daunting. In this informative session, we'll help you:

- Navigate your Year-End Tax Checklist with ease

- Explore Tax-Efficient Investment Strategies tailored to your needs

- Understand Inheritance Tax Planning to protect your family's future

- Gain Personalised Income and Business Tax Insights

- Conduct a Supportive Financial Health Check

You don't have to face this alone. Let us help you feel empowered and prepared.

The value of your investment can go down as well as up. You could get back less than you invested.

Taxation rules can change at any time and are dependent on individual circumstances.



Ellora Wealth and Investments is an Appointed Representative of and represents only St. James's Place Wealth Management plc (which is authorised and regulated by the Financial Conduct Authority). The 'St. James's Place Partnership' and the titles 'Partner' and 'Partner Practice' are marketing terms used to describe St. James's Place representatives.

14/01/2025

Persistent fears around inflation and the pace of interest rates changes pushed up government borrowing costs last week, hitting multi decade highs in the UK.

Global bond yields have been rising since September last year, when the US Federal Reserve began cutting interest rates. Since then, inflation has proven more resilient than many expected, while initial hopes for a rapid return to lower interest rates also faded.

As a result, last week 30-year UK gilts saw yields hit heights not seen since 1998, while 10-year gilt yields reached 2008 levels.

Read more: https://www.ellorawealth.co.uk/article/detail/sjpp/weekwatch-13-01-2025

06/01/2025

Last year, over half the world’s population voted in an election and, in many cases, voted for change.

Commenting on the last 12 months, Hetal Mehta, Head of Economic Research at SJP, said: “In a year peppered with many notable elections, the global economy was marked by heightened economic uncertainty in 2024. Despite concerns at the start of the year that restrictive monetary policy would weigh on GDP, growth surprised to the upside and recessions in the key developed market economies were avoided. A gradual cooling of labour markets - lower vacancies and lower wage growth without a significant increase in unemployment – combined with progress in taming inflation, has allowed central banks to pivot policy towards gradual rate cuts.”

Read more: https://www.ellorawealth.co.uk/article/detail/sjpp/weekwatch-06-01-2025

30/12/2024

📊 FCA Research Highlights Quick Investment Decisions Among Young Investors

Recent research by the Financial Conduct Authority (FCA) reveals a surprising trend:
👉 66% of young UK investors (aged 18-40) make investment decisions in less than 24 hours!
⏱️ Even more shocking—14% decide in under an hour.

💡 Many of these decisions are influenced by:

FOMO (Fear of Missing Out) 😨
Social media platforms like Instagram, TikTok, and YouTube 📱🎥
🔎 The Numbers Speak:

* 85% of young investors say social media significantly affects their decisions.
* 40% regret buying into hyped investment products.
* The average spend on these products? £550 💸
⚠️ The FCA is urging young investors to:
✅ Research thoroughly.
✅ Avoid impulsive decisions.
✅ Align investments with long-term goals.

📚 InvestSmart with FCA:
Before jumping in, ask yourself these 5 key questions:
1️⃣ Am I comfortable with the risk?
2️⃣ Do I understand the investment & its downsides?
3️⃣ Am I protected if something goes wrong?
4️⃣ Is this investment regulated?
5️⃣ Should I seek financial advice?

💭 Taking a moment to reflect could save you money, stress, and regret. Remember, smart investing is a marathon, not a sprint! 🏃‍♂️📈

Link to the FCA report in comments👇🏽

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