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Rogers Wealth Management Ltd

We specialise in bespoke face to face financial advice for individuals, families and businesses in the East Midlands.

23/06/2026

You can read the Wealth WeekWatch here:

Rise in UK political uncertainty

After weeks of speculation and growing pressure, Keir Starmer announced his resignation as prime minister on 22 June. It comes after just under two years in office and means the UK will soon have its fifth prime minister in as many years. However, the next steps remain unclear. Even in the event of a smooth ‘coronation’ to a successor, the process could take several weeks.

Immediately after the announcement, the UK market took Starmer’s resignation largely in its stride, although the pound weakened in anticipation of his resignation. The FTSE was very marginally down while gilts held steady in the hours after the news was released on Monday morning. However, a big question, not least for markets, will be who becomes the next chancellor if, as expected, Rachel Reeves is moved from her current position.

Hetal Mehta, St. James's Place’s Chief Economist, says: “Given the current situation, policy uncertainty – especially regarding the fiscal stance – could remain elevated for months, i.e, until the next Budget.

“Without cuts to day-to-day spending and welfare, any attempts to boost investment or reduce the real terms spending cuts some government departments are facing, would require tax increases.”

WeekWatch - 22/06/2026

19/06/2026

Investing and penalties: a game of nerves or reactions?

With the start of the 2026 World Cup, fans across the globe will be excited to see their team perform but also dreading the stress of a potential penalty shootout.

A record-breaking five matches were decided this way in the 2022 tournament, including, famously, the final between Argentina and France.

Penalty shootouts offer goalkeepers the chance to be the hero, to display lightning reactions, diving to the left or right in an effort to keep the ball out of the net. In truth, they often would be better served staying put in the middle of the goal. But it wouldn’t look as good.

The same is true in investing – with so much noise around world events, it can be tempting to buy and sell investments as they rise and fall, to try and time the market. But history has shown time and time again the best option is to avoid making emotional decisions, and to stay true to your long-term process. While investments have delivered positive outcomes over many longer-term periods, returns can never be guaranteed, and you could get back less than you invest.

Investing and penalties: a game of nerves or reactions?

16/06/2026

You can read the Wealth WeekWatch here:

UK economy shrinks in April

While North America celebrates the ceasefire deal and the SpaceX IPO, the UK is contending with ongoing economic weakness.

Figures from the Office for National Statistics show GDP fell 0.1% in April – though this number was widely expected, following strong growth in
February and March.

Since Covid, the UK has generally performed better in the first quarter than later in the year. This year the difference is likely to be compounded by the higher energy costs that only really started to bite in the final weeks of March.

Despite this weak domestic backdrop, UK investors instead seemed to focus on the improving global sentiment and falling energy prices. As a result, the FTSE 100 finished the week in positive territory after a strong second half to the week.

Later this week, the Bank of England (BoE) will meet to discuss interest rates. The ceasefire news reduces the chances of a rate hike for now. However, given the ongoing uncertainty, a hike later this year can’t be ruled out.

WeekWatch - 15/06/2026

12/06/2026

Approaching retirement: what is the right time to de-risk?

Moving from decades of building wealth to relying on investments for income is a significant transition. At this point, many people begin to think more carefully about risk, particularly how much of it they are comfortable taking.

Meanwhile, those who are approaching retirement may feel concerned about the timing of taking income from investments in the current economic and geopolitical environment, when markets may seem more volatile.

However, de-risking a portfolio is often misunderstood. In practice, it simply means making your investments safer and more stable over time, although it can't remove risk entirely and factors such as inflation still need to be considered. It doesn’t need to happen suddenly, nor does it mean sacrificing potential for long-term growth.

So what is the right time to do it? Here we explore how to approach de-risking and some of the strategies available.

Approaching retirement: what is the right time to de-risk?

09/06/2026

You can read the Wealth WeekWatch here:

No fast-track for SpaceX into S&P 500

Index provider S&P Dow Jones Indices confirmed that it will not bend its listing rules for SpaceX. This means that the company will not automatically gain entry to the world’s most valuable stock index, the S&P 500. The decision makes the S&P Dow Jones an outlier, as SpaceX will be fast-tracked into indices from rival index providers FTSE Russell and Nasdaq.

The S&P Dow Jones listing rules are unambiguous. A new company must be publicly traded for at least a year before consideration for entry. It must also be profitable, both during the most recent quarter and at the end of its past four quarters. SpaceX’s aggressive expenditure plans (a key reason for its listing) suggest it will not be profitable for a few more years.

The S&P Dow Jones decision has been praised as not bowing to commercial considerations. However, with SpaceX expected to be one of the largest public companies in the US, it is exceptional that it will not be represented in the premier US stock market index. It also raises the possibility of sharp divergences between the tech-heavy Nasdaq, where SpaceX will be a constituent member and will automatically be purchased by passive investors, and the S&P 500, where there will be no such requirement. If SpaceX performs strongly, S&P 500 funds may underperform the Nasdaq ones (although the opposite will be true if SpaceX underperforms).

&Pdowjones

WeekWatch - 08.06/2026

05/06/2026

Why bonds are back in the spotlight – and why it matters

Bonds are back in the headlines, with political uncertainty driving fresh volatility in what is usually seen as a steadier part of the market. But why does this matter for investors? We answer some of the key questions.

Backdrop: When governments need to borrow money to fund expenses, they generally do so by issuing bonds. In the UK, government bonds are known as ‘gilts’. Each gilt will pay a regular amount of interest over the course of its life, which is called the coupon, with higher interest rates charged for bonds seen as ‘less safe’.

The amount an investor earns lending to the government on a 10-year gilt has risen sharply in recent months to 5%, a level not seen for years and a sign of investor unease. Likewise, the yield on a 30-year gilt is close to 6%, a level not seen since 1998.

Why bonds are back in the spotlight – and why it matters

02/06/2026

You can read the Wealth WeekWatch here:

Pension withdrawals on the rise

Growing numbers of people are taking money out of their pensions ahead of April 2027, when unused pots will fall into an estate for inheritance tax (IHT) purposes.

Several reports suggest that hundreds of thousands of UK pension savers are cashing out their pension pots in full, in anticipation of the proposed changes coming into force next year. Historically many savers have used pensions as a way of passing on family wealth to beneficiaries, as pensions were exempt from IHT.

But it means many people could be paying more tax than necessary. The lump sum allowance (the amount a pension saver is allowed to take tax free) is typically 25% of the pension pot, to a maximum of £268,275. Any withdrawals above this level are taxed at the individual’s marginal tax rate.

This means that withdrawing a pension in one go could push many people into higher tax bands, potentially triggering avoidable tax bills.

WeekWatch - 01/06/2026

29/05/2026

What are offset mortgages?

Offset mortgages can seem complex but those who take them out can potentially benefit from significant savings on mortgage interest.

Having an offset mortgage can provide flexible benefits when it comes to interest.

Taking advice about whether an offset mortgage is right for you can give you the confidence to know whether you're making the right decision.

The mortgage market has been volatile so far in 2026 and interest rates look set to climb in the coming months as inflation is expected to rise. Borrowers can take some degree of control with an offset mortgage, which allows you to use savings to either lower your monthly payments or pay off your home loan faster.

But how does an offset mortgage work and is it right for you? Our guide explains more.

While most homeowners are familiar with fixed rate and tracker rate mortgages, fewer borrowers are aware of how an offset mortgage deal works, or the benefits and value they can offer.

What are offset mortgages?

26/05/2026

You can read the Wealth WeekWatch here:

Anthropic and ChatGPT – readying to go public?

Upbeat AI sentiment is being helped by AI coding giant Anthropic’s update that second quarter revenues will more than double to $10.9 billion, compared with the previous quarter. The operator of Claude says this will help it generate an operating profit by mid-year, ahead of expectations. While not a public company, Anthropic revealed these details during its latest funding round, which fuelled speculation the company is readying itself to go public.

Elsewhere, rival OpenAI, which operates ChatGPT, may list in September. The listing this year of three high profile tech and AI-related companies will reinforce 2026 as being the largest ever for IPO funds raised.

WeekWatch - 26/05/2026

15/05/2026

The special K-shaped economy

The American dream is beginning to look more tarnished. The US-Iran war, combined with volatile and unpredictable behaviour by the US president and his administration, have taken the shine off. Meanwhile the divide between the ‘haves’ and the ‘have nots’ is growing ever larger. We look at what this might mean for investments in the region.

In 18th Century France, when told peasants couldn’t afford bread, Queen Marie-Antoinette supposedly said, ‘let them eat cake.’ This oft-repeated tale never actually happened, but its popularity highlights the wealth disparity the country faced in the lead up to the revolution.
Fast forward over 200 years, and the US has supplanted France as the world’s greatest power. Thankfully, centuries of progress mean the levels of deprivation found back then are no longer so widespread in the world’s leading economies.

However, the wealth disparity between the haves and have nots has been growing in recent years. Currently, the bottom 50% of the population hold just 2.5% of the total US net worth.

Since Covid, the US economy has been one of the highlights of the global economy. It has managed impressive growth, undaunted by a growing national debt pile and international pressures.

The question is, could this inequality become a threat to the longer-term growth story?

The special K-shaped economy

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Rogers Wealth Management Ltd, 18 Hilton Crescent, West Bridgford
Nottingham
NG26HT

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Tuesday	9am - 5:30pm
Wednesday	9am - 5:30pm
Thursday	9am - 5:30pm
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+441158387020

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https://www.rogerswealthmanagement.co.uk/index.html

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