Paul Murray Investments

16/01/2023

Happy New Year! -

Most people will have recovered from their New Year's party now! The financial market's hangover, unfortunately, will take a great deal more than a couple of paracetamol to fix.  This leaves both policy makers and investors with some hard work to do. Governments and companies will have to bring abo...

09/11/2022

What do the Bank of England projections mean for your money? -

28/09/2022

There's Light at the End of the Tunnel for Investors & Savers -

When markets are performing well, the global economy is in good shape and geopolitics is benign, investors tend to focus on a “bottom up” view of the market.   In times of trouble, the reverse applies. The reassurance of companies, analysts and fund managers is regarded as complacent, deluded o...

08/12/2021

Top tip to smooth out investment returns - Make investment contributions regularly, despite volatility

When you invest regularly, during both market highs and lows, this means that you are buying the average price of the market, rather than trying to guess the top or bottom. This is called cost price averaging, and helps smooth out investment returns. This is a very effective way of avoiding investing a lump sum at the wrong time, particularly amongst market volatility.

06/12/2021

HEALTHY, WEALTHY & WELL ADVISED
The complexities of passing on wealth

What key points should you consider?

MAKING DECISIONS ON YOUR BEHALF
It is often said that the well advised rarely pay inheritance tax, or rather, their estates do not. Part of the planning process is to make sure that you have a current will in place, this ensures that your wishes are clear. Many people also consider a Lasting Power of Attorney, a legal documents that lets others help you make decisions, or make decisions on your behalf.

POTENTIAL INHERITANCE TAX LIABILITY
With our help, you can work out if you have a potential inheritance tax liability. We can then suggest how you could reduce your inheritance tax by reviewing all the different allowances and options available.

SIGNIFICANT DEGREE OF ASSET PROTECTION
The separation of legal ownership of an asset from its beneficial ownership creates great flexibility and offers a significant degree of asset protection. When thinking about inheritance, another concern is that property may have to be sold to pay for nursing home fees. If a couple own their home jointly, then its normally possible to ensure if the longer lived partner goes into a home, the share of the house owned by the other member of the couple is ringfenced, and thus protected from being sold to pay for fees.

If you have any queries or feel you may benefit from advice, please contact us on 02393 295 300, or visit our website www.paulmurrayinvestments.co.uk.

Flynn Baxter
Paul Murray Investments

Provide non-product driven Financial Planning Advice and Stockbroking services serving the local individual investor. Based in Portsmouth.

06/12/2021

The Omicron Variant and Financial Markets -

The breaking news of the discovery of B.1.1.529, now known as the ‘Omicron’ variant, rocked markets on Friday and has been the centre of the media’s attention over the weekend.   Scientists expressed concern over its ability to evade vaccines and transmit faster than the Delta variant of the ...

29/11/2021

HOW TO PREPARE YOUR PORTFOLIO FOR INFLATION

INFLATION RISK INDEX:
There are some investments that are indexed for inflation risk. They earn more when inflation goes up and less when inflation goes down, so your total earnings are more stable. Some bonds and annuities offer this feature for an additional cost.

Index linked gilts are government bonds whose interest payments and value at redemption are adjusted for inflation. However, if they are sold before their maturity date, their market value can fall as well as rise and so may be more or less than the redemption value paid at the end of their terms.

23/11/2021

A useful tax saving opportunity is to plan your capital gains to make best use of any capital losses. The £12,300 allowance is a 'use it or lose it' allowance. You can't carry it forward to future years. But remember each individual has their own allowance, so a married couple can potentially realise gains of £24,600 this tax year without incurring any tax liability. If appropriate you could transfer assets between your spouse tax free, so it might make sense to consider transferring holdings to a spouse in a lower tax bracket or one who hasn't used their allowance.

Gains and losses in the same tax year have been offset against each other, this will reduce the amount of gain that is subject to tax. If your losses exceed your gains, you could carry them forward to offset against gains in the future, provided you have registered those losses with HMRC.

15/11/2021

GUIDANCE TO ENABLE YOU TO MAKE AN INFORMED DECISION

Whether you have plans to retire completely or want to scale down your work hours, there are now more options than ever to choose from when thinking about making your savings work for you. If you are considering accessing your pension it is essential that you receive professional financial guidance to enable you to make an informed decision. If you get it wrong you could end up with a large tax bill. To discuss your situation we're here to help you.

For more information, call us on 02392 295 300, or visit our website at www.paulmurrayinvestments.co.uk

11/11/2021

NEED HELP DEVELOPING BETTER FINANCIAL HABITS IN 2021?

Making the right decisions now can bring peace of mind by offering a clearer future for you and you family. Together, we'll create a wealth plan that goes beyond simply finances, taking care of what really matters in every aspect of your life. to discuss your situation, we're here to listen.

10/11/2021

DON'T DELAY AND LEAVE IT TO CHANCE:

When it comes to tax, knowing how best to manage your finances can be a complex task. It's important that you get it right, not only because of the financial benefits, but because getting it wrong can have serious consequences for you. To discuss your situation, don't delay and leave it to chance. Contact us for more information on 02392 295 300 or visit our website

Provide non-product driven Financial Planning Advice and Stockbroking services serving the local individual investor. Based in Portsmouth.

03/11/2021

Still unsure what's right for you?

Tax-efficiency is a key consideration when investing because it can make such an enormous difference to your wealth and quality of life. If you want to understand more about ISA options please contact us on 02392 295 300.

Or, visit our website,

Provide non-product driven Financial Planning Advice and Stockbroking services serving the local individual investor. Based in Portsmouth.